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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 November 2026

Q: 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%

Q: What CD terms does First Choice Credit Union West Palm Beach, FL offer?

First Choice Credit Union West Palm Beach, FL CD rates are 3.99% APY for a 12 month CD, 4.25% APY for a 30 month CD and 4.49% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Choice Credit Union West Palm Beach, FL for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

First Choice Credit Union West Palm Beach, FL's Regular 60 Month CDs rates are at 4.49%, Regular 30 Month CDs rates are at 4.25%, Regular 12 Month CDs rates are at 3.99%, Jumbo 60 Month CDs rates are at 4.75%, Jumbo 30 Month CDs rates are at 4.50%. First Choice Credit Union West Palm Beach, FL's savings rates are at 3.40%. First Choice Credit Union West Palm Beach, FL's money market rates are at 1.35%. First Choice Credit Union West Palm Beach, FL's Personal Loan Rates are as low as 7.99%. First Choice Credit Union West Palm Beach, FL's Credit Card Rates are at 8.75%. First Choice Credit Union West Palm Beach, FL's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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 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 Deposit $75,000 Details Jumbo Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35% Oct 14, 20264.75%▲ from 4.35% Sep 14, 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 Deposit $75,000 Details Jumbo Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Oct 14, 20264.50%▲ from 4.20% Sep 14, 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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 Deposit $75,000 Details Jumbo Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 14, 20264.25%▲ from 4.00% Sep 14, 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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; Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest Last Updated 10/30/2026 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 Details Balance: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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: $50,000 & over; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Money Market	-	0.77%
Min Balance $25,000 Details Balance: $25,000 & over; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.77% APY · checked 11 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; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 11 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; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Super Money Market	0.15%	0.15%
Details Balance: up to $49,999.99; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Oct 14, 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; Money Markets Accounts Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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 10/30/2026 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 10/30/2026 Rate History No change since Oct 10, 2026 · 5.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit - Adjustable	-	-	6.00%
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% 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	-	-	6.125%	5 Years
Details Credit Score: 680-719 Last Updated 10/30/2026 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 10/30/2026 Rate History No change since Oct 10, 2026 · 6.13% APR · checked 6 times 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 10/30/2026 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 - Second Position	-	-	6.25%	5 Years
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 8.25% / low 6.00% Oct 14, 20266.25%▼ from 8.25% Oct 10, 20268.25%▲ from 6.25% Oct 1, 20266.25%▲ from 6.00% Sep 18, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit - Adjustable	-	-	6.25%
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% 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%
No Insurance Home Equity	-	-	6.25%	10 Years
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.25% APR · checked 6 times 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 10/30/2026 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 10/30/2026 Rate History No change since Oct 10, 2026 · 6.38% APR · checked 6 times 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 10/30/2026 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 10/30/2026 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 - Second Position	-	-	6.50%	5 Years
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 8.25% / low 6.25% Oct 14, 20266.50%▼ from 8.25% Oct 10, 20268.25%▲ from 6.50% Oct 1, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit - Fixed First Position	-	-	6.50%
Details Credit Score: 720+ Last Updated 10/30/2026 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%
No Insurance Home Equity	-	-	6.50%	10 Years
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	6.625%	10 Years
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 8.63% / low 6.38% Oct 14, 20266.63%▼ from 8.63% Oct 10, 20268.63%▲ from 6.63% Oct 1, 20266.63%▲ from 6.38% Sep 18, 20266.38%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 10/30/2026 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 10/30/2026 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 - Second Position	-	-	6.75%	5 Years
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 8.25% / low 6.50% Oct 14, 20266.75%▼ from 8.25% Oct 10, 20268.25%▲ from 6.75% 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%
Home Equity Line of Credit - Fixed First Position	-	-	6.75%
Details Credit Score: 680-719 Last Updated 10/30/2026 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%
No Insurance Home Equity	-	-	6.75%	10 Years
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.75% APR · checked 6 times 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 10/30/2026 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 - Second Position	-	-	6.875%	15 Years
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 8.88% / low 6.63% Oct 14, 20266.88%▼ from 8.88% Oct 10, 20268.88%▲ from 6.88% Oct 1, 20266.88%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	6.875%	10 Years
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 8.63% / low 6.63% Oct 14, 20266.88%▼ from 8.63% Oct 10, 20268.63%▲ from 6.88% Oct 1, 20266.88%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Line of Credit - Fixed Second Position	-	-	6.875%
Details Credit Score: 720+ Last Updated 10/30/2026 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%
No Insurance Home Equity	-	-	6.875%	5 Years
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.88% APR · checked 6 times 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 10/30/2026 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 10/30/2026 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 - Second Position	-	-	7.125%	15 Years
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 8.88% / low 6.88% Oct 14, 20267.13%▼ from 8.88% Oct 10, 20268.88%▲ from 7.13% 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%
Home Equity - Second Position	-	-	7.125%	10 Years
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 8.63% / low 6.88% Oct 14, 20267.13%▼ from 8.63% Oct 10, 20268.63%▲ from 7.13% 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%
Home Equity Line of Credit - Fixed Second Position	-	-	7.125%
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63% Oct 1, 20267.13%▲ from 6.88% Sep 18, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded 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 10/30/2026 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 10/30/2026 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%
Home Equity - Second Position	-	-	7.25%	5 Years
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 8.25% / low 7.00% Oct 14, 20267.25%▼ from 8.25% Oct 10, 20268.25%▲ from 7.25% 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%
No Insurance Home Equity	-	-	7.25%	10 Years
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity - Second Position	-	-	7.375%	15 Years
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 8.88% / low 7.13% Oct 14, 20267.38%▼ from 8.88% Oct 10, 20268.88%▲ from 7.38% 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%
Home Equity - First Position	-	-	7.50%	20 Years
Details Credit Score: 640-679 Last Updated 10/30/2026 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 10/30/2026 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 - Second Position	-	-	7.625%	10 Years
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 8.63% / low 7.38% Oct 14, 20267.63%▼ from 8.63% Oct 10, 20268.63%▲ from 7.63% 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%
Home Equity - First Position	-	-	7.875%	5 Years
Details Credit Score: Less than 600 Last Updated 10/30/2026 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%
Home Equity - Second Position	-	-	7.875%	15 Years
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 8.88% / low 7.63% Oct 14, 20267.88%▼ from 8.88% Oct 10, 20268.88%▲ from 7.88% 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%
No Insurance Home Equity	-	-	7.875%	5 Years
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.88% APR · checked 6 times 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 Rate History No change since Oct 10, 2026 · 8.25% APR · checked 6 times 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 Loan	-	-	4.49%	36 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	4.49%	48 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 10 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+; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	4.99%	60 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	4.99%	36 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 10 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+; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.24%	48 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 10 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+; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.49%	72 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.49%	60 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.49%	36 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.74%	48 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 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+; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.99%	72 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	5.99%	60 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	6.24%	84 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	6.49%	72 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 10 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+; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	6.74%	84 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	6.99%	36 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	7.24%	84 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	7.24%	48 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	7.49%	60 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	7.99%	72 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	8.49%	36 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	8.74%	48 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
New Auto Loan	-	-	8.99%	60 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 10 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 9 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; Cooperative Discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

First Choice Credit Union West Palm Beach, FL Credit Card Rates

Product	Rate	APR
VISA Gold	-	8.75%
Details Minimum Limit $4,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
VISA Classic	-	14.76%
Details Minimum Limit $300 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.76% 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 Personal Loan Rates

Product	APR	Term
Personal Loan	7.99%	12 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 11.99% / low 7.99% Oct 19, 20267.99%▼ from 11.99% Oct 14, 202611.99%▲ from 7.99% Oct 10, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	8.24%	24 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 8.24% → 8.24% ▼ 0.00 pts · high 12.24% / low 8.24% Oct 19, 20268.24%▼ from 12.24% Oct 14, 202612.24%▲ from 8.24% Oct 10, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	8.49%	36 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 8.49% → 8.49% ▼ 0.00 pts · high 12.49% / low 8.49% Oct 19, 20268.49%▼ from 12.49% Oct 14, 202612.49%▲ from 8.49% Oct 10, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	8.74%	12 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 8.74% → 8.74% ▼ 0.00 pts · high 11.99% / low 8.74% Oct 19, 20268.74%▼ from 11.99% Oct 14, 202611.99%▲ from 8.74% Oct 10, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	8.99%	24 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 8.99% → 8.99% ▼ 0.00 pts · high 12.24% / low 8.99% Oct 19, 20268.99%▼ from 12.24% Oct 14, 202612.24%▲ from 8.99% Oct 10, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	9.24%	36 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 9.24% → 9.24% ▼ 0.00 pts · high 12.49% / low 9.24% Oct 19, 20269.24%▼ from 12.49% Oct 14, 202612.49%▲ from 9.24% Oct 10, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	9.49%	48 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 9.49% → 9.49% ▼ 0.00 pts · high 11.49% / low 9.49% Oct 19, 20269.49%▼ from 11.49% Oct 14, 202611.49%▲ from 9.49% Oct 10, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	9.99%	12 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 9.99% → 9.99% ▼ 0.00 pts · high 11.99% / low 9.99% Oct 19, 20269.99%▼ from 11.99% Oct 14, 202611.99%▲ from 9.99% Oct 10, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	10.24%	48 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 10.24% → 10.24% ▼ 0.00 pts · high 11.49% / low 10.24% Oct 19, 202610.24%▼ from 11.49% Oct 14, 202611.49%▲ from 10.24% Oct 10, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	10.24%	24 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 10.24% → 10.24% ▼ 0.00 pts · high 12.24% / low 10.24% Oct 19, 202610.24%▼ from 12.24% Oct 14, 202612.24%▲ from 10.24% Oct 10, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	10.49%	60 Months
Details Credit Score: 720+ Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 10.49% → 10.49% ▼ 0.00 pts · high 12.49% / low 10.49% Oct 19, 202610.49%▼ from 12.49% Oct 14, 202612.49%▲ from 10.49% Oct 10, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	10.49%	36 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 10.49% → 10.49% ▼ 0.00 pts · high 12.49% / low 10.49% Oct 19, 202610.49%▼ from 12.49% Oct 14, 202612.49%▲ from 10.49% Oct 10, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	11.24%	60 Months
Details Credit Score: 680-719 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 11.24% → 11.24% ▼ 0.00 pts · high 12.49% / low 11.24% Oct 19, 202611.24%▼ from 12.49% Oct 14, 202612.49%▲ from 11.24% Oct 10, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	11.49%	48 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 11.49% → 11.49% ▼ 0.00 pts · high 11.49% / low 10.24% Oct 14, 202611.49%▲ from 10.24% Oct 14, 202610.24%▼ from 11.49% Oct 10, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	11.99%	12 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 11.99% → 11.99% ▼ 0.00 pts · high 11.99% / low 9.99% Oct 14, 202611.99%▲ from 9.99% Oct 14, 20269.99%▼ from 11.99% Oct 10, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	12.24%	24 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 12.24% → 12.24% ▼ 0.00 pts · high 12.24% / low 10.24% Oct 14, 202612.24%▲ from 10.24% Oct 14, 202610.24%▼ from 12.24% Oct 10, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	12.49%	60 Months
Details Credit Score: 640-679 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 12.49% / low 11.24% Oct 14, 202612.49%▲ from 11.24% Oct 14, 202611.24%▼ from 12.49% Oct 10, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	12.49%	36 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 12.49% / low 10.49% Oct 14, 202612.49%▲ from 10.49% Oct 14, 202610.49%▼ from 12.49% Oct 10, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	13.49%	48 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 13.49% → 13.49% ▼ 0.00 pts · high 13.49% / low 10.24% Oct 14, 202613.49%▲ from 10.24% Oct 14, 202610.24%▼ from 13.49% Oct 10, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	13.99%	12 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 13.99% → 13.99% ▼ 0.00 pts · high 13.99% / low 9.99% Oct 14, 202613.99%▲ from 9.99% Oct 14, 20269.99%▼ from 13.99% Oct 10, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	14.24%	24 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 14.24% → 14.24% ▼ 0.00 pts · high 14.24% / low 10.24% Oct 14, 202614.24%▲ from 10.24% Oct 14, 202610.24%▼ from 14.24% Oct 10, 202614.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	14.49%	60 Months
Details Credit Score: 600-639 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 14.49% → 14.49% ▼ 0.00 pts · high 14.49% / low 11.24% Oct 14, 202614.49%▲ from 11.24% Oct 14, 202611.24%▼ from 14.49% Oct 10, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	14.49%	36 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 14.49% → 14.49% ▼ 0.00 pts · high 14.49% / low 10.49% Oct 14, 202614.49%▲ from 10.49% Oct 14, 202610.49%▼ from 14.49% Oct 10, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Loan	15.49%	48 Months
Details Credit Score: Less than 600 Last Updated 10/30/2026 Rate History 2 changes since Oct 10, 2026 · 15.49% → 15.49% ▼ 0.00 pts · high 15.49% / low 10.24% Oct 14, 202615.49%▲ from 10.24% Oct 14, 202610.24%▼ from 15.49% Oct 10, 202615.49%first recorded 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
Non-Primary Residence Loan - First Position	-	-	6.375%	5 Years
Details Credit Score: 720+ Last Updated 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA - ROTH	0.25%	-	0.25%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA - Traditional	0.25%	-	0.25%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 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.
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.

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

2026 MBR Health & Safety Badge

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

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Customer Reviews

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☆☆☆☆☆

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

Does First Choice Credit Union West Palm Beach, FL offer CDs?

Yes. First Choice Credit Union West Palm Beach, FL current CD rates include its Jumbo 60 Month CDs at 4.75% APY, its Jumbo 30 Month CDs at 4.50% APY and its Regular 60 Month CDs at 4.49% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from First Choice Credit Union West Palm Beach, FL NCUA insured?

Yes. First Choice Credit Union West Palm Beach, FL is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Choice Credit Union West Palm Beach, FL?

The highest First Choice Credit Union West Palm Beach, FL CD rate is its Jumbo 60 Month CDs at 4.75% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does First Choice Credit Union West Palm Beach, FL offer?

First Choice Credit Union West Palm Beach, FL CD rates are 3.99% APY for a 12 month CD, 4.25% APY for a 30 month CD and 4.49% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Choice Credit Union West Palm Beach, FL for its full lineup.

What is the highest savings rate at First Choice Credit Union West Palm Beach, FL?

The highest First Choice Credit Union West Palm Beach, FL savings rate is its High Yield Savings at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at First Choice Credit Union West Palm Beach, FL?

The highest First Choice Credit Union West Palm Beach, FL money market rate is its Super Money Market at 1.35% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at First Choice Credit Union West Palm Beach, FL?

The lowest First Choice Credit Union West Palm Beach, FL auto loan rate is its New Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at First Choice Credit Union West Palm Beach, FL?

The lowest First Choice Credit Union West Palm Beach, FL personal loan rate is its Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at First Choice Credit Union West Palm Beach, FL?

The lowest First Choice Credit Union West Palm Beach, FL credit card APR is its VISA Gold Credit Card at 8.75% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Choice Credit Union West Palm Beach, FL rates compare?

First Choice Credit Union West Palm Beach, FL's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. First Choice Credit Union West Palm Beach, FL's top rates are its Jumbo 60 Month CDs at 4.75% APY, its High Yield Savings at 3.40% APY, its Super Money Market at 1.35% APY, its Personal Loan at 7.99% APR and its VISA Gold Credit Card at 8.75% APR, verified by MonitorBankRates on October 30, 2026.

Current First Choice Credit Union West Palm Beach, FL Rates

12-Month CD2.96%
60-Month CD3.98%
Savings3.40%
MMA1.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

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

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Choice Credit Union West Palm Beach, FL Texas Ratio

First Choice Credit Union West Palm Beach, FL Health Trend

First Choice Credit Union West Palm Beach, FL CD Rates

First Choice Credit Union West Palm Beach, FL Savings Rates

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

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

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

First Choice Credit Union West Palm Beach, FL Credit Card Rates

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

First Choice Credit Union West Palm Beach, FL Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

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

Customer Reviews

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

Does First Choice Credit Union West Palm Beach, FL offer CDs?

Are CDs from First Choice Credit Union West Palm Beach, FL NCUA insured?

What is the highest CD rate at First Choice Credit Union West Palm Beach, FL?

What CD terms does First Choice Credit Union West Palm Beach, FL offer?

What is the highest savings rate at First Choice Credit Union West Palm Beach, FL?

What is the highest money market rate at First Choice Credit Union West Palm Beach, FL?

What is the lowest auto loan rate at First Choice Credit Union West Palm Beach, FL?

What is the lowest personal loan rate at First Choice Credit Union West Palm Beach, FL?

What is the lowest credit card APR at First Choice Credit Union West Palm Beach, FL?

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

Is a member application needed to join First Choice Credit Union West Palm Beach, FL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Choice Credit Union West Palm Beach, FL rates compare?

Current First Choice Credit Union West Palm Beach, FL Rates

Compare to Other Credit Unions