Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
First Choice Financial Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
First Choice Financial Federal Credit Union's top rates as of October 9, 2026 are 4.39% APY on its 4 Year CD, 0.10% APY on savings, 2.84% APY on money market accounts, and personal loans from 13.75% APR, according to rates verified by MonitorBankRates. Other First Choice Financial Federal Credit Union CD rates include 5 Year CD at 4.39%, 2 Year CD at 4.34%, and 4 Year CD at 4.34%. MonitorBankRates evaluates the financial stability of First Choice Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.09%. Rates last updated and verified on 10/09/2026.
First Choice Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Choice Financial Federal Credit Union? Share your experience about First Choice Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Choice Financial Federal Credit Union.
First Choice Financial Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Choice Financial Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.09%
ExcellentLower than avg
First Choice Financial Federal Credit Union Texas Ratio
First Choice Financial Federal Credit Union's Texas Ratio is 6.09%, which is considered excellent and is lower than the national average of 6.13%.
First Choice Financial Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
First Choice Financial Federal Credit Union Health Trend
2.73% to 6.09% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Financial Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
4 Year Share Certificate
4.25%
4.39%
4 Year
DetailsCredit Quarterly
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.39% ▲ 0.36 pts · high 4.39% / low 4.03%
Oct 5, 20264.39%▲ from 4.03%
Sep 14, 20264.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
5 Year Certificate
4.30%
4.39%
5 Year
Min Deposit$500
Min Balance$500
DetailsCredit Quarterly Compound Daily
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
Oct 5, 20264.39%▲ from 4.08%
Sep 14, 20264.08%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2 Year Certificate
4.25%
4.34%
2 Year
Min Deposit$500
Min Balance$500
DetailsCredit Quarterly Compound Daily
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.34% ▲ 0.47 pts · high 4.34% / low 3.87%
Oct 5, 20264.34%▲ from 3.87%
Sep 14, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
4 Year Certificate
4.25%
4.34%
4 Year
Min Deposit$500
Min Balance$500
DetailsCredit Quarterly Compound Daily
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03%
Oct 5, 20264.34%▲ from 4.03%
Sep 14, 20264.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
3 Year Certificate
4.20%
4.29%
3 Year
Min Deposit$500
Min Balance$500
DetailsCredit Quarterly Compound Daily
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.72% → 4.29% ▲ 0.57 pts · high 4.29% / low 3.72%
Oct 5, 20264.29%▲ from 3.72%
Sep 14, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
18 Month Share Certificate
4.10%
4.18%
18 Month
DetailsCredit Quarterly
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 4.18% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
1 Year Certificate
4.00%
4.08%
1 Year
Min Deposit$500
Min Balance$500
DetailsCredit Quarterly Compound Daily
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
Oct 5, 20264.08%▲ from 3.77%
Sep 14, 20263.77%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
9 Month Share Certificate
3.85%
3.92%
9 months
DetailsCredit Monthly
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.67% → 3.92% ▲ 0.25 pts · high 3.92% / low 3.67%
Oct 5, 20263.92%▲ from 3.67%
Sep 14, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
6 Month Share Certificate
3.70%
3.77%
6 months
DetailsCredit Monthly
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.77% ▲ 0.26 pts · high 3.77% / low 3.51%
Oct 5, 20263.77%▲ from 3.51%
Sep 14, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
3 Month Share Certificate
3.55%
3.61%
3 months
DetailsCredit Monthly
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.61% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.10%
0.10%
Min Balance$5
DetailsBalance: $5.00 Average Daily Bal.; Compound Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Regular Savings
0.10%
0.10%
Min Balance$5
DetailsBalance: $5.00 Average Daily Bal.; Compound Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Special Savings
0.10%
0.10%
Min Balance$5
DetailsBalance: $5.00 Average Daily Bal.; Compound Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
2.80%
2.84%
Min Balance$1,000,000
DetailsBalance: $1,000,000.01 + Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 2.84% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
1.80%
1.81%
Min Balance$500,000
DetailsBalance: $500,000.01 - $1,000,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.81% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
1.45%
1.46%
Min Balance$250,000
DetailsBalance: $250,000.01 - $500,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.46% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
1.05%
1.06%
Min Balance$100,000
DetailsBalance: $100,000.01 - $250,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.06% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
0.65%
0.65%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
0.50%
0.50%
Min Balance$25,000
DetailsBalance: $25,000.01 - $50,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
0.40%
0.40%
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market
0.30%
0.30%
Min Balance$0
DetailsBalance: $0.00 - $10,000.00 Average Daily Bal. Compound Monthly
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2023 & Newer Auto Loan
-
-
4.60%
Up to 3 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 4.60% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2023 & Newer Loan
-
-
4.60%
Up to 3 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.60% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2023 & Newer Auto Loan
-
-
5.55%
4 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2023 & Newer Loan
-
-
5.55%
4 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.55% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2023 & Newer Auto Loan
-
-
5.80%
5 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2023 & Newer Loan
-
-
5.80%
5 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.80% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2023 & Newer Auto Loan
-
-
6.05%
6 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2023 & Newer Loan
-
-
6.05%
6 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.05% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2023 & Newer Auto Loan
-
-
6.55%
7 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2023 & Newer Loan
-
-
6.55%
7 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.55% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2020-2022 Auto Loan
-
-
7.25%
Up To 5 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2022-2020 Loan
-
-
7.25%
Up To 5 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2020-2022 Auto Loan
-
-
8.00%
6 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2022-2020 Loan
-
-
8.00%
6 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2019 & Older Auto Loan
-
-
8.50%
Up To 3 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2019 - Older Loan
-
-
8.50%
Up To 3 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
2019 & Older Auto Loan
-
-
9.00%
4 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Autos - 2019 - Older Loan
-
-
9.00%
4 Years
DetailsUp to 100% NADA + Tax + Warranty
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles- Park Model 2026 & Newer Loan
-
6.40%
Up to 5 Years
DetailsUp to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - 2026 & Newer Loan
-
6.74%
Up to 5 Years
DetailsUp to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports 2026 & Newer Loan
-
7.24%
Up to 5 Years
DetailsUp to 100% List Price
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
7.24%
Up to 5 Years
Details2026 & Newer; Up to 100% List Price
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 7.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2025-2024 Loan
-
7.24%
Up to 5 Years
DetailsUp to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 7.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2025-2024 Loan
-
7.24%
Up to 5 Years
DetailsUp to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
7.74%
Up to 5 Years
DetailsUsed 2025-2024; Up to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2025-2024 Loan
-
7.74%
Up to 5 Years
DetailsUp to 100% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - 2026 & Newer Loan
-
7.74%
6 to 8 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $20,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 7.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports 2026 & Newer Loan
-
8.24%
6 to 7 Years
DetailsUp to 100% List Price (Minimum Loan Amount / RV Value of $15,000)
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
8.24%
6 to 7 Years
Details2026 & Newer; Up to 100% List Price + Tax; Minimum Loan Amount / RV Value of $15,000
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2023-2022 Loan
-
8.24%
Up to 5 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2025-2024 Loan
-
8.24%
6 to 8 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $20,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2023-2022 Loan
-
8.24%
Up to 5 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2025-2024 Loan
-
8.24%
6 to 9 Years
DetailsUp to 100% List Price + Tax; $40,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model 2026 & Newer Loan
-
8.40%
6 to 9 Years
DetailsUp to 100% List Price + Tax; $40,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
8.74%
6 to 7 Years
DetailsUsed 2025-2024; Up to 100% List Price + Tax; Minimum Loan Amount / RV Value of $15,000
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
8.74%
Up to 4 Years
DetailsUsed 2023-2022; Up to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2023-2022 Loan
-
8.74%
Up to 4 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2025-2024 Loan
-
8.74%
6 to 7 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $15,000)
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - 2026 & Newer Loan
-
8.74%
9 to 10 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $25,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2021 & Older Loan
-
8.74%
Up to 5 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 8.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model 2026 & Newer Loan
-
9.15%
10 to 15 Years
DetailsUp to 100% List Price + Tax; $40,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
9.24%
Up to 3 Years
DetailsUsed 2021 & Older; Up to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2021 & Older Loan
-
9.24%
Up to 3 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2023-2022 Loan
-
9.24%
6 to 8 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $20,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2025-2024 Loan
-
9.24%
9 to 10 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $25,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2023-2022 Loan
-
9.24%
6 to 9 Years
DetailsUp to 90% List Price + Tax; $30,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
9.74%
5 to 6 Years
DetailsUsed 2023-2022; Up to 90% List Price + Tax; Minimum Loan Amount / RV Value of $10,000
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2023-2022 Loan
-
9.74%
5 to 6 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $10,000)
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - 2026 & Newer Loan
-
9.74%
11 to 15 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $30,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 9.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2025-2024 Loan
-
9.74%
10 to 15 Years
DetailsUp to 100% List Price + Tax; $40,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 9.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Loan
-
10.24%
4 to 5 Years
DetailsUsed 2021 & Older; Up to 90% List Price + Tax; Minimum Loan Amount / RV Value of $10,000
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Powersports Used 2021 & Older Loan
-
10.24%
4 to 5 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $10,000)
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 10.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2023-2022 Loan
-
10.24%
9 to 10 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $25,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2025-2024 Loan
-
10.24%
11 to 15 Years
DetailsUp to 100% List Price + Tax (Minimum Loan Amount / RV Value of $30,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2021 & Older Loan
-
10.24%
Up to 5 Years
DetailsUp to 90% List Price + Tax
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 10.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2021 & Older Loan
-
10.74%
6 to 8 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $15,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2023-2022 Loan
-
11.24%
11 to 15 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $30,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 11.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2023-2022 Loan
-
11.24%
10 to 15 Years
DetailsUp to 90% List Price + Tax; $30,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 11.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles - Used 2021 & Older Loan
-
12.74%
9 to 10 Years
DetailsUp to 90% List Price + Tax (Minimum Loan Amount / RV Value of $20,000)
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 12.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicles- Park Model Used 2021 & Older Loan
-
12.74%
6 to 10 Years
DetailsUp to 90% List Price + Tax; $25,000.00 Minimum Loan Amount
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 12.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit
13.75%
Revolving
DetailsVariable Rate as Low as; $10,000 Per Member
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 13.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Personal Unsecured Loan
14.05%
Up To 5 Years
Details$42,000 Per Member
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 14.05% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Personal Unsecured Loan
16.05%
Up To 6 Years
Details$42,000 Per Member
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 16.05% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Personal Unsecured Loan
18.00%
Up to 7 Years
Details$42,000 Per Member
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
First Choice Financial Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
IRA Shares
0.10%
-
0.10%
Min Balance$5
DetailsBalance: $5.00 Average Daily Balance; Quarterly Compound
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Financial Health History
First Choice Financial Federal Credit Union’s Texas Ratio rose from 2.73% in Q3 2023 to 6.09% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$184M
6.09%
5.0
A
March 31, 2026
$181M
3.08%
5.0
A+
December 31, 2025
$179M
7.19%
5.0
A
September 30, 2025
$177M
5.73%
5.0
A+
June 30, 2025
$189M
5.14%
5.0
A+
March 31, 2025
$188M
2.39%
5.0
A+
December 31, 2024
$183M
2.86%
5.0
A+
September 30, 2024
$182M
4.49%
5.0
A+
June 30, 2024
$172M
3.21%
5.0
A+
March 31, 2024
$168M
3.18%
5.0
A+
December 31, 2023
$162M
4.14%
5.0
A+
September 30, 2023
$162M
2.73%
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 Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Choice Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Choice Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameFirst Choice Financial Federal Credit Union
Address
355 Hales Mills Rd Ext,
Gloversville, NY 12078-5703
Phone518-725-3191
Fax518-725-3236
PresidentMichael Rossi
CEOPaul Naslund
Full-Time Employees30
Part-Time Employees6
Branch Locations3
ATM Locations3
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.09%
Return on Assets (ROA)
0.5536%
Return on Equity (ROE)
4.2423%
Non-Performing Loans Ratio (NPL)
1.70%
Total Assets
183,683,948
Total Amount of Shares and Deposits
161,740,648
Total Shares and Deposits < 1 Year
138,042,385
Total Shares and Deposits 1 3 Years
21,503,990
Total Shares and Deposits > 3 Years
2,194,273
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,926,343
Total Uninsured Shares and Deposits > $250K (F+J)
7,926,343
Total Insured Shares and Deposits > $250K (item 17 less item K)
153,814,305
Total Interest Expense (Sum of items 6 8)
788,285
Share Certificates
990
Number of Accounts for Share Drafts
8,037
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
11,953
All other shares
1,251
Money Market Shares
2,910
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)
19,656,884
Total Liabilities
162,808,450
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
First Choice Financial Federal Credit Union 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for First Choice Financial Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Choice Financial Federal Credit Union
Frequently Asked Questions About First Choice Financial Federal Credit Union
How many branches does First Choice Financial Federal Credit Union operate?
First Choice Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join First Choice Financial Federal Credit Union?
Yes, to access services at First Choice Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, First Choice Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, First Choice Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does First Choice Financial Federal Credit Union offer online and mobile banking?
Most modern institutions like First Choice Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fcfinancialcu.org.
Current First Choice Financial Federal Credit Union Rates
12-Month CD4.08%
18-Month CD4.18%
24-Month CD4.34%
60-Month CD4.39%
Savings0.10%
MMA2.84%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
