What are the current interest rates at First Choice Credit Union West Palm Beach, FL?

Current rates for First Choice Credit Union West Palm Beach, FL include: 12-Month CD: 2.96%, 60-Month CD: 3.98%, Savings: 3.40%, MMA: 1.35%

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First Choice Credit Union West Palm Beach, FL

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First Choice Credit Union West Palm Beach, FL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Choice Credit Union West Palm Beach, FL 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 and Verified: October 10, 2026

First Choice Credit Union West Palm Beach, FL's top rates as of October 10, 2026 are 4.75% APY on its Jumbo 60 Month CDs CD, 3.40% APY on savings, 1.35% APY on money market accounts, and personal loans from 7.99% APR, according to rates verified by MonitorBankRates. Other First Choice Credit Union West Palm Beach, FL CD rates include Jumbo 30 Month CDs at 4.50%, Regular 60 Month CDs at 4.49%, and Jumbo 12 Month CDs at 4.25%. MonitorBankRates evaluates the financial stability of First Choice Credit Union West Palm Beach, FL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/10/2026.

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

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

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Choice Credit Union West Palm Beach, FL
Main Office

1055 S Congress Ave
West Palm Beach, FL 33406-5195

https://www.firstchoicecu.org

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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 Credit Union West Palm Beach, FL CD Rates

Product	Rate	APY	Term
Jumbo 60 Month Certificates	4.67%	4.75%	60 months
Min Balance $75,000 Details Jumbo 60 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35% Oct 1, 20264.75%▲ from 4.35% Sep 18, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Jumbo 30 Month Certificates	4.43%	4.50%	30 months
Min Balance $75,000 Details Jumbo 30 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Oct 1, 20264.50%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 60 Month Certificates	4.42%	4.49%	60 months
Min Deposit $5,000 Details Minimum $5,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.09% → 4.49% ▲ 0.40 pts · high 4.49% / low 4.09% Oct 1, 20264.49%▲ from 4.09% Sep 14, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Jumbo 12 Month Certificates	4.18%	4.25%	12 months
Min Balance $75,000 Details Jumbo 12 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 1, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 30 Month Certificates	4.18%	4.25%	30 months
Min Deposit $5,000 Details Minimum $5,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95% Oct 1, 20264.25%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 12 Month Certificates	3.93%	3.99%	12 months
Min Deposit $5,000 Details Minimum $5,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 3.99% ▲ 0.25 pts · high 3.99% / low 3.74% Oct 1, 20263.99%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 60 Month Certificates	3.92%	3.98%	60 months
Min Deposit $1,000 Details Minimum $1,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.09% → 3.98% ▼ 0.11 pts · high 4.09% / low 3.98% Oct 1, 20263.98%▼ from 4.09% Sep 14, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 30 Month Certificates	3.68%	3.73%	30 months
Min Deposit $1,000 Details Minimum $1,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 3.73% ▼ 0.22 pts · high 3.95% / low 3.73% Oct 1, 20263.73%▼ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Regular 12 Month Certificates	2.93%	2.96%	12 months
Min Deposit $1,000 Details Minimum $1,000; Early Withdrawal Penalty: 180 days interest Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.72% → 2.96% ▲ 0.24 pts · high 2.96% / low 2.72% Oct 1, 20262.96%▲ from 2.72% Sep 14, 20262.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Savings Rates

Product	Rate	APY
High Yield Savings	3.35%	3.40%
Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Holiday Club	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Money Market Rates

Product	Rate	APY
Super Money Market	1.35%	1.35%
Min Balance $50,000 Details Balance: & over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.70%	0.77%
Min Balance $25,000 Details Balance: $25,000 & over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.77% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.40%	0.40%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Super Money Market	0.15%	0.15%
Min Balance $0 Details Balance: up to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - First Position	-	-	5.875%	5 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.38% → 5.88% ▲ 0.50 pts · high 5.88% / low 5.38% Oct 1, 20265.88%▲ from 5.63% Sep 22, 20265.63%▲ from 5.38% Sep 14, 20265.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	5.875%	5 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.38% → 5.88% ▲ 0.50 pts · high 5.88% / low 5.38% Oct 1, 20265.88%▲ from 5.63% Sep 18, 20265.63%▲ from 5.38% Sep 14, 20265.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	6.00%
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.125%	5 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.63% → 6.13% ▲ 0.50 pts · high 6.13% / low 5.63% Oct 1, 20266.13%▲ from 5.88% Sep 22, 20265.88%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.125%	5 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.63% → 6.13% ▲ 0.50 pts · high 6.13% / low 5.63% Oct 1, 20266.13%▲ from 5.88% Sep 18, 20265.88%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.25%	10 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 1, 20266.25%▲ from 6.00% Sep 22, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	6.25%
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.25%	10 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 1, 20266.25%▲ from 6.00% Sep 18, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.375%	5 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.88% → 6.38% ▲ 0.50 pts · high 6.38% / low 5.88% Oct 1, 20266.38%▲ from 6.13% Sep 22, 20266.13%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.375%	5 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.88% → 6.38% ▲ 0.50 pts · high 6.38% / low 5.88% Oct 1, 20266.38%▲ from 6.13% Sep 18, 20266.13%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.50%	15 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 6.50% ▼ 1.50 pts · high 8.00% / low 6.25% Oct 1, 20266.50%▲ from 6.25% Sep 22, 20266.25%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.50%	10 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75% Oct 1, 20266.50%▲ from 6.25% Sep 22, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	6.50%
Details Term: Fixed - First Position; Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.50%	10 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 1, 20266.50%▲ from 6.25% Sep 18, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.75%	15 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 6.75% ▼ 1.25 pts · high 8.00% / low 6.50% Oct 1, 20266.75%▲ from 6.50% Sep 22, 20266.50%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.75%	10 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.75% ▲ 1.00 pts · high 6.75% / low 5.75% Oct 1, 20266.75%▲ from 6.50% Sep 22, 20266.50%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	6.75%
Details Term: Fixed - First Position; Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.75%	10 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 1, 20266.75%▲ from 6.50% Sep 18, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	6.875%	5 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Oct 1, 20266.88%▲ from 6.63% Sep 22, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	6.875%
Details Term: Fixed - Second Position; Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	6.875%	5 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Oct 1, 20266.88%▲ from 6.63% Sep 18, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.00%	20 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 22, 20266.75%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.00%	15 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 7.00% ▼ 1.00 pts · high 8.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 22, 20266.75%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit	-	-	7.125%
Details Term: Fixed - Second Position; Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.25%	20 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 22, 20267.00%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.25%	10 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 7.25% ▼ 0.50 pts · high 7.75% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 22, 20267.00%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	7.25%	10 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 1, 20267.25%▲ from 7.00% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.50%	20 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 7.50% ▼ 0.00 pts · high 7.50% / low 7.25% Oct 1, 20267.50%▲ from 7.25% Sep 22, 20267.25%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.50%	15 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 7.50% ▼ 0.50 pts · high 8.00% / low 7.25% Oct 1, 20267.50%▲ from 7.25% Sep 22, 20267.25%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	7.875%	5 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.38% → 7.88% ▲ 0.50 pts · high 7.88% / low 7.38% Oct 1, 20267.88%▲ from 7.63% Sep 22, 20267.63%▲ from 7.38% Sep 14, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	7.875%	5 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.38% → 7.88% ▲ 0.50 pts · high 7.88% / low 7.38% Oct 1, 20267.88%▲ from 7.63% Sep 18, 20267.63%▲ from 7.38% Sep 14, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	8.00%	20 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50% Oct 1, 20268.00%▲ from 7.75% Sep 22, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	8.25%	10 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 1, 20268.25%▲ from 8.00% Sep 22, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	8.25%	5 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 1, 20268.25%▲ from 8.00% Sep 18, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
No Insurance Home Equity	-	-	8.25%	10 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 1, 20268.25%▲ from 8.00% Sep 18, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	8.50%	15 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00% Oct 1, 20268.50%▲ from 8.25% Sep 22, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	8.625%	10 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.38% → 8.63% ▲ 0.25 pts · high 8.63% / low 8.38% Oct 1, 20268.63%▲ from 8.38% Sep 18, 20268.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	8.875%	15 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.63% → 8.88% ▲ 0.25 pts · high 8.88% / low 8.63% Oct 1, 20268.88%▲ from 8.63% Sep 18, 20268.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - First Position	-	-	9.00%	20 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.50% → 9.00% ▲ 0.50 pts · high 9.00% / low 8.50% Oct 1, 20269.00%▲ from 8.75% Sep 22, 20268.75%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.49%	36 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	4.49%	48 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	4.74%	36 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	4.99%	60 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	4.99%	36 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	4.99%	48 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.24%	48 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.24%	60 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.24%	36 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.49%	72 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.49%	60 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.49%	36 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.49%	48 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.74%	48 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.74%	72 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.74%	60 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.74%	36 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.99%	72 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	5.99%	60 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	5.99%	48 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	6.24%	84 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	6.24%	72 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	6.24%	60 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	6.49%	72 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	6.49%	84 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	6.74%	84 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	6.74%	72 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	6.99%	36 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	6.99%	84 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	7.24%	84 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	7.24%	48 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	7.24%	36 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	7.49%	60 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	7.49%	84 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	7.49%	48 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	7.74%	60 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	7.99%	72 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	8.24%	72 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	8.49%	36 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	8.74%	48 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	8.74%	36 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto	-	-	8.99%	60 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	8.99%	48 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Used Auto Loan	-	-	9.24%	60 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Personal Loan Rates

Product	APR	Term
Personal Loans	7.99%	12 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	8.24%	24 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	8.49%	36 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	8.74%	12 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	8.99%	24 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	9.24%	36 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	9.49%	48 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	9.99%	12 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	10.24%	48 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	10.24%	24 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	10.49%	60 Months
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	10.49%	36 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	11.24%	60 Months
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	11.49%	48 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	11.99%	12 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	12.24%	24 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	12.49%	60 Months
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	12.49%	36 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	13.49%	48 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	13.99%	12 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	14.24%	24 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	14.49%	60 Months
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	14.49%	36 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loans	15.49%	48 Months
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Other Rates

Product	Rate	Points	APY/APR	Term
Classic - Minimum Limit Loan	-	-	14.76%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 14.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Gold - Minimum Limit Loan	-	-	8.75%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	6.375%	5 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13% Oct 10, 20266.38%▲ from 6.13% Sep 22, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	6.75%	10 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 10, 20266.75%▲ from 6.50% Sep 22, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.00%	15 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 10, 20267.00%▲ from 6.75% Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	6.625%	5 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 10, 20266.63%▲ from 6.38% Sep 22, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.00%	10 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 10, 20267.00%▲ from 6.75% Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.25%	15 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 10, 20267.25%▲ from 7.00% Sep 22, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	6.875%	5 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 10, 20266.88%▲ from 6.63% Sep 22, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.25%	10 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 10, 20267.25%▲ from 7.00% Sep 22, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.50%	15 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 10, 20267.50%▲ from 7.25% Sep 22, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.375%	5 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Oct 10, 20267.38%▲ from 7.13% Sep 22, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	7.75%	10 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 10, 20267.75%▲ from 7.50% Sep 22, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	8.00%	15 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 10, 20268.00%▲ from 7.75% Sep 22, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	8.375%	5 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Oct 10, 20268.38%▲ from 8.13% Sep 22, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	8.75%	10 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50% Oct 10, 20268.75%▲ from 8.50% Sep 22, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - First Position	-	-	9.00%	15 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 10, 20269.00%▲ from 8.75% Sep 22, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	6.75%	5 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 1, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.125%	10 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 1, 20267.13%▲ from 6.88% Sep 18, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.375%	15 Years
Details Credit Score: 720+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Oct 1, 20267.38%▲ from 7.13% Sep 18, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.00%	5 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.375%	10 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Oct 1, 20267.38%▲ from 7.13% Sep 18, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.625%	15 Years
Details Credit Score: 680-719 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38% Oct 1, 20267.63%▲ from 7.38% Sep 18, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.25%	5 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.625%	10 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38% Oct 1, 20267.63%▲ from 7.38% Sep 18, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.875%	15 Years
Details Credit Score: 640-679 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63% Oct 1, 20267.88%▲ from 7.63% Sep 18, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	7.75%	5 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 1, 20267.75%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	8.125%	10 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88% Oct 1, 20268.13%▲ from 7.88% Sep 18, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	8.375%	15 Years
Details Credit Score: 600-639 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Oct 1, 20268.38%▲ from 8.13% Sep 18, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	8.75%	5 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50% Oct 1, 20268.75%▲ from 8.50% Sep 18, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	9.125%	10 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.88% → 9.13% ▲ 0.25 pts · high 9.13% / low 8.88% Oct 1, 20269.13%▲ from 8.88% Sep 18, 20268.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Primary Residence Loan - Second Position	-	-	9.375%	15 Years
Details Credit Score: Less than 600 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.13% → 9.38% ▲ 0.25 pts · high 9.38% / low 9.13% Oct 1, 20269.38%▲ from 9.13% Sep 18, 20269.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA - Educational	0.25%	-	0.25%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA - ROTH	0.25%	-	0.25%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA - Traditional	0.25%	-	0.25%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share Account	0.10%	-	0.10%
Min Balance $100 Details Must have balance of $100.00 to earn dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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.
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Financial Health History

First Choice Credit Union West Palm Beach, FL’s Texas Ratio rose from 1.34% in Q3 2023 to 2.64% 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$161M	2.64%	5.0	A+
March 31, 2026	$155M	2.08%	5.0	A+
December 31, 2025	$154M	3.23%	5.0	A+
September 30, 2025	$152M	1.45%	5.0	A+
June 30, 2025	$149M	2.60%	5.0	A+
March 31, 2025	$153M	0.78%	5.0	A+
December 31, 2024	$145M	1.52%	5.0	A+
September 30, 2024	$145M	1.22%	5.0	A+
June 30, 2024	$142M	1.31%	5.0	A+
March 31, 2024	$144M	1.07%	5.0	A+
December 31, 2023	$141M	1.18%	5.0	A+
September 30, 2023	$142M	1.34%	5.0	A+

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 Credit Union West Palm Beach, FL 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 West Palm Beach, FL 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 West Palm Beach, FL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Choice Credit Union West Palm Beach, FL

Website https://www.firstchoicecu.org

Address 1055 S Congress Ave, West Palm Beach, FL 33406-5195

Phone 561-641-0100

Fax 561-641-7931

President Rhonda Diffenbach

CEO Michael Welte

Full-Time Employees 25

Part-Time Employees 1

Branch Locations 2

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

2.64%

Return on Assets (ROA)

0.2037%

Return on Equity (ROE)

1.9513%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

161,261,381

Total Amount of Shares and Deposits

146,547,675

Total Shares and Deposits < 1 Year

137,358,283

Total Shares and Deposits 1 3 Years

6,283,355

Total Shares and Deposits > 3 Years

2,906,038

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,310,167

Total Uninsured Shares and Deposits > $250K (F+J)

10,310,167

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

136,237,508

Total Interest Expense (Sum of items 6 8)

909,497

Share Certificates

414

Number of Accounts for Share Drafts

5,850

IRA KEOGH Accounts

182

Number of Accounts for Regular Shares

9,152

Money Market Shares

394

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)

9,194,177

Total Liabilities

147,991,190

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Choice Credit Union West Palm Beach, FL earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About First Choice Credit Union West Palm Beach, FL

How many branches does First Choice Credit Union West Palm Beach, FL operate?

First Choice Credit Union West Palm Beach, FL 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 West Palm Beach, FL?

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

Does First Choice Credit Union West Palm Beach, FL offer online and mobile banking?

Most modern institutions like First Choice Credit Union West Palm Beach, FL 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.firstchoicecu.org.