|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 1st Choice Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
1st Choice Credit Union's CDs 12 month rates are at 4.01%, CDs 24 month rates are at 3.55%, CDs 6 month rates are at 3.55%, CDs 36 month rates are at 3.29%, CDs 3 month rates are at 3.03%. 1st Choice Credit Union's savings rates are at 0.15%. 1st Choice Credit Union's money market rates are at 0.50%. 1st Choice Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of 1st Choice Credit Union with a 1.0 Star Rating and an D Overall Health Grade. Rates were last updated on 03/24/2026. 1st Choice Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Choice Credit Union? Share your experience about 1st Choice Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Choice Credit Union. 1st Choice Credit Union
Admin Office 315 Auburn Ave NE
https://www.1stchoicecu.org Atlanta, GA 30303 2603 
1st Choice Credit Union CD Rates
1st Choice Credit Union Savings Rates
1st Choice Credit Union Money Market Rates
1st Choice Credit Union Auto Loan Rates
1st Choice Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 1st Choice Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st Choice Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st Choice Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
1st Choice Credit Union
Website
https://www.1stchoicecu.org
Address
315 Auburn Ave NE,
Atlanta, GA 30303 2603
Phone
404-832-5800
Fax
404-607-8252
President
CEO
Cassandra Williams
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
D (60/100)
Return on Assets (ROA)
-3.3501%
Non-Performing Loans Ratio (NPL)
14.03%
Total Assets
30,607,233
Total Amount of Shares and Deposits
31,023,352
Total Shares and Deposits < 1 Year
26,991,067
Total Shares and Deposits 1 3 Years
4,032,285
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
304,028
Total Uninsured Shares and Deposits > $250K (F+J)
304,028
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,719,324
Total Interest Expense (Sum of items 6 8)
231,572
Share Certificates
66
Number of Accounts for Share Drafts
2,844
IRA KEOGH Accounts
83
Number of Accounts for Regular Shares
7,636
Non Member Deposits
21
Money Market Shares
54
Net Income (unless the amount is already included in Undivided Earnings)
-1,025,370
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,496,547
Total Liabilities
30,923,015
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About 1st Choice Credit UnionIs 1st Choice Credit Union a safe place to deposit money?Yes, 1st Choice Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 1st Choice Credit Union operate?1st Choice Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 1st Choice Credit Union?Yes, to access services at 1st Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 1st Choice Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 1st Choice Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 1st Choice Credit Union offer online and mobile banking?Most modern institutions like 1st Choice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stchoicecu.org. Current 1st Choice Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Arcadia Credit Union
Deming Schools Employees Credit Union
Houston Highway Credit Union
Smmh Federal Credit Union
Valley Federal Credit Union
Wabellco Federal Credit Union
Postal and Community Credit Union
SOUTH CAROLINA NATIONAL GUARD
Alabama Teachers Credit Union
Alcoa Community Federal Credit Union
Choctaw Federal Credit Union
O&R Utilities Employees Federal Credit Union
Westar Federal Credit Union
Charleston Federal Credit Union
St Cloud Financial Credit Union
SISTERS HOSPITAL EMPLOYEES
Cleveland Bradley Cty Teacher Federal Credit Union
TENNESSEE RIVER
Shawnee TVA Employees Federal Credit Union
City Co Federal Credit Union
Idaho Central Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
