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First Choice Credit Union

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First Choice Credit Union Rates & Review March 2026

Q: Is a member application needed to join First Choice Credit Union?

Yes, to access services at First 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare First Choice Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.10%, 6-month share certificate rates at 1.50% and 3-month share certificate rates at 3.25%. Savings rates are at 0.20% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to First Choice Credit Union rates. MonitorBankRates evaluates the financial stability of First Choice Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.50%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.50%

Excellent Lower than avg

First Choice Credit Union
FIRST CHOICE CREDIT UNION

1614 E 4th St
Marshfield, WI 54449 4601

https://firstchoicecreditunion.com

First Choice Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa - 21 Day Grace Period	-	12.90%
No additional details. Last Updated 03/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name First Choice Credit Union

Website https://firstchoicecreditunion.com

Address 1614 E 4th St, Marshfield, WI 54449 4601

Phone 715-387-8405

Fax 715-389-1007

President JEAN LAMPI

CEO ROB SCHULZ

Full-Time Employees 9

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

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

1.50%

Return on Assets (ROA)

1.7339%

Return on Equity (ROE)

10.8843%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

48,143,507

Total Amount of Shares and Deposits

40,132,367

Total Shares and Deposits < 1 Year

38,824,296

Total Shares and Deposits 1 3 Years

1,308,071

Total Insured Shares and Deposits > $250K (item 17 less item K)

40,132,367

Total Interest Expense (Sum of items 6 8)

353,676

Share Certificates

241

Number of Accounts for Share Drafts

1,864

IRA KEOGH Accounts

184

Number of Accounts for Regular Shares

4,149

Net Income (unless the amount is already included in Undivided Earnings)

834,707

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,684,404

Total Liabilities

40,475,642

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About First Choice Credit Union

Is First Choice Credit Union a safe place to deposit money?

Yes, First Choice Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4951907931932%, the institution's financial health is rated as excellent. 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 First Choice Credit Union operate?

First 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 First Choice Credit Union?

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

Does First Choice Credit Union offer online and mobile banking?

Most modern institutions like First 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://firstchoicecreditunion.com.