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First Choice Community Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
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 and Verified: October 9, 2026

First Choice Community Credit Union's top rates as of October 9, 2026 are 3.56% APY on its 60 Month CD, 0.10% APY on savings, 1.01% APY on money market accounts, 0.05% APY on checking, 6.00% on its New RV, Boat, and Farm Equip mortgage, personal loans from 9.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other First Choice Community Credit Union CD rates include 36 Month IRA-CD at 0.90%, 36 Month CD at 0.90%, and 24 Month IRA-CD at 0.75%. MonitorBankRates evaluates the financial stability of First Choice Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.44%. Rates last updated and verified on 10/09/2026.

First Choice Community 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 First Choice Community Credit Union? Share your experience about First Choice Community Credit Union by leaving a review below, or read customer reviews before you decide to use First Choice Community Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.44%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
First Choice Community Credit Union
First Choice Community Credit Union
100 N 17th St
Knoxville, TN 37921-6750
https://www.firstchoiceccu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Choice Community Credit Union CD Rates

Product Rate APY Term View More
60 Month Share Certificate - 3.557% 60 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
36 Month IRA-Certificate - 0.90% 36 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
36 Month Share Certificate - 0.90% 36 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
24 Month IRA-Certificate - 0.75% 24 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
24 Month Share Certificate - 0.75% 24 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
18 Month IRA-Certificate - 0.50% 18 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
18 Month Share Certificate - 0.50% 18 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
12 Month IRA-Certificate - 0.45% 12 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
12 Month Share Certificate - 0.45% 12 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
6 Month IRA-Certificate - 0.25% 6 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
6 Month Share Certificate - 0.25% 6 Month
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.30% 0.30%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Kid's Club 0.20% 0.20%
Min Deposit $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Regular Share Savings 0.10% 0.10%
Min Deposit $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Special Savings 0.10% 0.10%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.01%
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.05% → 1.01% ▼ 0.04 pts · high 1.05% / low 1.01%
0.51%1.03%1.55%Sep 14, 2026: 1.05% APYSep 18, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20261.01%▼ from 1.05%
  • Sep 14, 20261.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Checking Rates

Product Rate APY View More
Golden Circle Checking 0.05% 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Special Checking 0.02% 0.02%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Mortgage Rates

Product Rate Points APR Term View More
New RV, Boat, and Farm Equip - - 6.00% 0 to 48 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New RV, Boat, and Farm Equip - - 6.00% 49 to 60 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New RV, Boat, and Farm Equip - - 6.00% 61 to 72 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 7.00%
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 5.24% 0 to 48 months
Details As low as; New Auto (2020 - 2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New Auto - - 5.24% 49 to 60 months
Details As low as; New Auto (2020 - 2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New Auto - - 5.24% 61 to 72 months
Details As low as; New Auto (2020 - 2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New Auto - - 5.24% 73 to 84 months
Details As low as; New Auto (2020 - 2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used Auto - - 5.25% 0 to 36 months
Details As low as; Used Auto (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 9, 2026: 5.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used Auto - - 6.00% 37 to 48 months
Details As low as; Used Auto (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used Auto - - 6.00% 49 to 60 months
Details As low as; Used Auto (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used Auto - - 6.00% 61 to 72 months
Details As low as; Used Auto (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New RV, Boat, and Farm Equip - 6.00% 0 to 48 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New RV, Boat, and Farm Equip - 6.00% 49 to 60 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
New RV, Boat, and Farm Equip - 6.00% 61 to 72 months
Details As low as; New RV, Boat, and Farm Equip (2020-2026)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used RV, Boat, and Farm Equip - 6.50% 0 to 48 months
Details As low as; Used RV, Boat, and Farm Equip (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used RV, Boat, and Farm Equip - 6.50% 49 to 60 months
Details As low as; Used RV, Boat, and Farm Equip (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Used RV, Boat, and Farm Equip - 6.50% 61 to 72 months
Details As low as; Used RV, Boat, and Farm Equip (2013-2019)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 9.90%
Details Intro/promo APR: 5.99%; Intro rate expires: 12 months; Regular APR: 9.90%-15.90%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 4 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loan, Signature Loan/Line of Credit 9.90% up to 60 months
Details as low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.90% APR
9.40%9.90%10.40%Oct 9, 2026: 9.90% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%

First Choice Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
Older Collateral Loan - - 7.50% 0 to 60 months
Details As low as; Older Collateral (2012 and older)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 9, 2026: 7.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Older Collateral Loan - - 8.75% 61 to 72 months
Details As low as; Older Collateral (2012 and older)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 9, 2026: 8.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
IRA - Roth 1.00% - 1.00%
Min Deposit $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
IRA - Traditional 1.00% - 1.00%
Min Deposit $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.44%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

First Choice Community Credit Union’s Texas Ratio stayed near 2.24% in Q3 2023 to 2.44% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.8% 2.0★ 1.6% 3.0★ 2.5% 4.0★ 3.3% 5.0★ Healthy zone – entire history below the 15% limit 2.24% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.44% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$49M2.44%5.0A+
March 31, 2026$48M1.67%5.0A+
December 31, 2025$49M2.34%5.0A+
September 30, 2025$50M1.95%5.0A+
June 30, 2025$50M2.34%5.0A+
March 31, 2025$50M0.33%5.0A+
December 31, 2024$49M0.92%5.0A+
September 30, 2024$49M0.29%5.0A+
June 30, 2024$49M1.53%5.0A+
March 31, 2024$48M1.32%5.0A+
December 31, 2023$47M2.12%5.0A+
September 30, 2023$47M2.24%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for First Choice Community 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 First Choice Community 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 First Choice Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Choice Community Credit Union
Website https://www.firstchoiceccu.org
Address 100 N 17th St, Knoxville, TN 37921-6750
Phone 865-637-0112
Fax 865-637-0777
President Jason Haggard
CEO Carisa Chitwood
Full-Time Employees 10
Part-Time Employees 3
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.44%
Return on Assets (ROA)
0.6548%
Return on Equity (ROE)
3.9897%
Non-Performing Loans Ratio (NPL)
1.02%
Total Assets
48,948,343
Total Amount of Shares and Deposits
40,693,603
Total Shares and Deposits < 1 Year
39,993,561
Total Shares and Deposits 1 3 Years
473,790
Total Shares and Deposits > 3 Years
226,252
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
607,165
Total Uninsured Shares and Deposits > $250K (F+J)
607,165
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,086,438
Total Interest Expense (Sum of items 6 8)
88,402
Share Certificates
104
Number of Accounts for Share Drafts
2,199
IRA KEOGH Accounts
107
Number of Accounts for Regular Shares
4,006
All other shares
40
Money Market Shares
115
Net Income (unless the amount is already included in Undivided Earnings)
320,515
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,529,598
Total Liabilities
40,914,803
Source: NCUA — Last Updated 06/30/2026
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First Choice Community Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About First Choice Community Credit Union

How many branches does First Choice Community Credit Union operate?

First Choice Community 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 First Choice Community Credit Union?

Yes, to access services at First Choice Community 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, First Choice Community 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, First Choice Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Choice Community Credit Union offer online and mobile banking?

Most modern institutions like First Choice Community 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.firstchoiceccu.org.

Current First Choice Community Credit Union Rates

  • 12-Month CD0.45%
  • 18-Month CD0.50%
  • 24-Month CD0.75%
  • 60-Month CD3.56%
  • Savings0.10%
  • MMA1.01%
Retrieved from our database of financial products. Rates subject to change.

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