|
iAdvertiser Disclosure
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.
 Choice One Community Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 12, 2026
Choice One Community Federal Credit Union's top rates as of October 12, 2026 are 3.40% APY on its CD - 6 month, 0.05% APY on savings, 2.25% APY on money market accounts, auto loans from 4.39% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Choice One Community Federal Credit Union CD rates include CD - 12 month at 3.25%, CD - 24 month at 2.95%, and CD - 36 month at 2.80%. MonitorBankRates evaluates the financial stability of Choice One Community Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.74%. Rates last updated and verified on 10/12/2026. Choice One Community 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 Choice One Community Federal Credit Union? Share your experience about Choice One Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Choice One Community Federal Credit Union. Choice One Community Federal Credit Union
Main 501 E Main St
https://www.choiceone.org Plains Township, PA 18702-6920  Customer Reviews
Be the first to review
Write a Review
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. Choice One Community Federal Credit Union CD Rates
Choice One Community Federal Credit Union Savings Rates
Choice One Community Federal Credit Union Money Market Rates
Choice One Community Federal Credit Union Home Equity & HELOC
Choice One Community Federal Credit Union Auto Loan Rates
Choice One Community Federal Credit Union RV, Boat and Powersport Loan Rates
Choice One Community Federal Credit Union Credit Card Rates
Choice One Community Federal Credit Union Other Rates
Financial Health HistoryChoice One Community Federal Credit Union’s Texas Ratio rose from 8.52% in Q3 2023 to 15.74% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Choice One Community 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 Choice One Community 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 Choice One Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Choice One Community Federal Credit Union
Website
https://www.choiceone.org
Address
501 E Main St,
Plains Township, PA 18702-6920
Phone
570-823-7676
Fax
President
Libby Yeager
CEO
Thomas Smith
Full-Time Employees
28
Part-Time Employees
4
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.74%
Return on Assets (ROA)
0.1724%
Return on Equity (ROE)
1.7069%
Non-Performing Loans Ratio (NPL)
2.86%
Total Assets
130,871,362
Total Amount of Shares and Deposits
119,101,619
Total Shares and Deposits < 1 Year
117,337,083
Total Shares and Deposits 1 3 Years
1,309,947
Total Shares and Deposits > 3 Years
454,589
Total Insured Shares and Deposits > $250K (item 17 less item K)
119,101,619
Total Interest Expense (Sum of items 6 8)
142,946
Share Certificates
232
Number of Accounts for Share Drafts
6,939
IRA KEOGH Accounts
216
Number of Accounts for Regular Shares
12,138
Money Market Shares
130
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)
19,374,110
Total Liabilities
119,504,333
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Choice One Community 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.
Add Your Rating and Review for Choice One Community Federal Credit Union
Frequently Asked Questions About Choice One Community Federal Credit UnionHow many branches does Choice One Community Federal Credit Union operate?Choice One Community 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 Choice One Community Federal Credit Union?Yes, to access services at Choice One Community 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, Choice One Community 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, Choice One Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Choice One Community Federal Credit Union offer online and mobile banking?Most modern institutions like Choice One Community 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.choiceone.org. Current Choice One Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Kearny Municipal Employees Federal Credit Union
Pittsburgh Federal Credit Union
University of Louisiana Federal Credit Union
St Paul Federal Credit Union
LaMoure Credit Union
KRAFTSMAN
Schools Federal Credit Union
Homebase Federal Credit Union
WATERBURY POSTAL EMPLOYEES
County Schools Federal Credit Union
Mount Vernon Baptist Church Credit Union
Inspire Federal Credit Union
Bayonne City Employees Federal Credit Union
Molokai Community Federal Credit Union
Affiliated Trades Credit Union
Morehead Community Federal Credit Union
Highway Employees Credit Union
CTAFC Federal Credit Union
Heritage Family Federal Credit Union
Directors Choice Credit Union
Horizon Utah Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking