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First Choice Financial Federal Credit Union

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First Choice Financial Federal Credit Union Rates & Review June 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 26, 2026

You can compare First Choice Financial Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 0.60%. Savings rates are at 0.20% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to First Choice Financial Federal Credit Union rates. 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 5.73%. Rates were last updated on 06/26/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.73%

Excellent Lower than avg

First Choice Financial Federal Credit Union
Main Building

355 Hales Mills Rd Ext
Gloversville, NY 12078 5703

https://www.fcfinancialcu.org

Current Rate Availability

We do not have First Choice Financial Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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 Name First Choice Financial Federal Credit Union

Website https://www.fcfinancialcu.org

Address 355 Hales Mills Rd Ext, Gloversville, NY 12078 5703

Phone 518-725-3191

Fax 518-725-3236

President Michael Rossi

CEO Paul Naslund

Full-Time Employees 26

Part-Time Employees 9

Branch Locations 3

ATM Locations 3

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

5.73%

Return on Assets (ROA)

0.8871%

Return on Equity (ROE)

6.9935%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

176,597,458

Total Amount of Shares and Deposits

155,570,685

Total Shares and Deposits < 1 Year

128,431,508

Total Shares and Deposits 1 3 Years

25,609,164

Total Shares and Deposits > 3 Years

1,530,014

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

6,990,249

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

6,990,249

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

148,580,436

Total Interest Expense (Sum of items 6 8)

1,644,093

Share Certificates

1,013

Number of Accounts for Share Drafts

8,045

IRA KEOGH Accounts

374

Number of Accounts for Regular Shares

11,904

All other shares

1,255

Money Market Shares

2,867

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,022,292

Total Liabilities

156,789,258

Source: NCUA — Last Updated 09/30/2025

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 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 — no need to download or upload anything.

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

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

Customer Reviews

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Total Reviews

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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.