1st Choice Atlanta GA Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to 1st Choice, your trusted financial partner located at 80 Jesse Hill Jr Dr Se, Atlanta, GA 30303. Established in 1991, we have proudly served our community for over three decades, providing personalized banking solutions tailored to meet your unique needs. With a total membership of 6,779 and assets amounting to an impressive $33,681,801, we are committed to fostering financial well-being for all our members. At 1st Choice, we believe in building strong relationships within our community. Our dedicated team of 9 employees, led by CEO Marsha Hahn, is here to assist you with everything from checking and savings accounts to auto loans and business financing. We strive to ensure that your financial journey is smooth and rewarding. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 80 Jesse Hill Drive, Atlanta, GA 30312. With total deposits reaching $4,815,841 and a net worth of $1,100,644, we maintain a solid foundation to support our members' financial aspirations. Whether you're looking to purchase a new vehicle with one of our auto loans or explore options for personal loans and debt consolidation, we've got you covered. Our commitment extends beyond just banking; we aim to make a positive impact on the lives of those we serve. As part of the local community, we take pride in offering services that align with your goals and contribute to your success. Ready to take the next step? Visit us at 1st Choice or call us at 404-616-4027 today! Let's work together toward a brighter financial future.

Branch History & Mission

Commitment to Innovation

We understand the importance of adapting to new technologies while ensuring accessibility for all. Our online banking platform allows you to manage your finances easily from anywhere. Additionally, we're proud to say that our services are compliant with ADA standards, ensuring that everyone can access the help they need.

Community Engagement

Our commitment extends beyond banking; we actively participate in local events and partner with organizations that make a difference in Atlanta. Whether it's sponsoring youth programs or supporting local charities, we are dedicated to uplifting our community.

Join Us Today!

As we continue this journey together, we invite you to become part of the 1st Choice family. Experience personalized service and community-focused banking that puts you first. Visit us during our operating hours Monday through Friday from 9:00 AM to 4:00 PM or give us a call at 404-616-4027 for more information on how we can assist you today! Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, 1st Choice has seen tremendous growth and evolution. Starting with a simple mission to provide accessible financial services, we have expanded our offerings to meet the diverse needs of our members. Today, we boast total assets of over $33,681,801, reflecting our commitment to stability and member support. Our branch is conveniently located at 80 Jesse Hill Jr Dr SE, right by the bustling downtown area, making it easy for you to visit us during your day-to-day activities. While members can visit us at 80 Jesse Hill Jr Dr SE, official correspondence should be sent to 80 Jesse Hill Drive, Atlanta, GA 30312.

Our Mission

At 1st Choice, our mission is simple yet impactful: to empower individuals and families through superior financial services while giving back to the community we cherish. We believe that financial education and support are vital for fostering strong communities. We strive not just to offer products like checking and savings accounts, auto loans, and credit cards with rewards but also to enhance the lives of our members through personalized service and community outreach programs.

Branch Location & Accessibility

A Warm Invitation

We invite you to come visit us at the 1st Choice branch! If you have questions or would like more information about our services, feel free to give us a call at 404-616-4027. We're here to help you achieve your financial goals with a smile!

Nearby Landmarks

Situated in Fulton County, we're just a stone's throw away from key landmarks in downtown Atlanta. You can easily stop by while running errands or visiting local attractions. Our branch is designed with your convenience in mind, providing ample parking and ADA-compliant features for easy access.

Operating Hours and Services

Our friendly team is here for you Monday through Friday from 9:00 AM to 4:00 PM. During these hours, you can take advantage of a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. While we currently do not offer ATM or drive-thru services, our lobby is always open and ready to assist you.

Member Eligibility

At 1st Choice, we believe that becoming a member is like joining a close-knit community where everyone looks out for each other. To become a part of our family, you'll find that eligibility is simple and welcoming. We invite individuals who live, work, or worship in the area to join us at our branch located at 80 Jesse Hill Jr Dr Se Atlanta Ga 30303. This means if you're a resident of Atlanta or have connections to our vibrant community, you can easily qualify for membership. The benefits are numerous from personalized banking services to competitive rates on loans and savings. Plus, as a member, you gain access to exclusive financial products tailored just for you! Getting started is easy; simply visit our website for more details on how to open an account at https://www.1stchoicecu.org/digital-lending.html. If you have any questions or need assistance along the way, feel free to give us a call at (404) 616-4027. For the most up-to-date eligibility criteria, check out this resource: . We can't wait to welcome you into the 1st Choice family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $9 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $938,874, we continue to drive economic growth by financing new and expanding businesses. Imagine having access to the funds you need right when you need them. Our competitive rates and flexible terms mean you can focus on what truly matters running your business.

Merchant Services

In today's fast-paced world, efficient payment solutions are crucial. At 1st Choice, our merchant services provide businesses with reliable tools to accept payments easily and securely. Whether you're operating a retail store or offering services online, our payment processing options simplify transactions, letting you concentrate on delivering exceptional customer experiences. Located at 80 Jesse Hill Jr Dr Se Atlanta Ga 30303 in Atlanta, GA, we're here to empower your business every step of the way. For inquiries or more information, feel free to reach out at (404) 616-4027. Let's grow together!

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we offer comprehensive Business Banking solutions. From merchant services that make transactions easy to Business Loans that support growth and expansion, we are dedicated to helping local businesses thrive.

Cash Withdrawal Services

Although we currently do not have ATMs on-site, we ensure easy access through our ATM & Cash Withdrawal Services, allowing you to withdraw cash when needed without hassle. At 1st Choice, we're committed to making banking simple and accessible for everyone in our community. If you're ready to explore how our services can benefit you, give us a call at 404-616-4027 or visit us online at 1st Choice. We look forward to serving you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services. You can manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or paying bills right from your smartphone.

Flexible Personal Loans

For those unexpected expenses or projects around the house, our Personal Loans & Debt Consolidation services can provide the financial relief you need. We work with you to create manageable repayment plans tailored specifically for your situation.

Mortgage Options

Buying a home is one of the biggest decisions you'll ever make. At 1st Choice, we offer Mortgage Loans & Refinancing to ensure you get the best deal possible. Our knowledgeable staff will guide you through the process, making it easier than ever to secure your future home.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to help you save for your goals. Imagine having a safe place for your money where you can easily access it whenever you need our accounts provide just that. If you're considering purchasing a new vehicle or refinancing an existing loan, our Auto Loans & Vehicle Financing options can help make that dream a reality. We work with you to find competitive rates that fit your budget.

Rewarding Credit Cards

Looking for a way to earn while you spend? Our Credit Cards with Rewards program allows you to earn points on every purchase, which can be redeemed for travel, merchandise, and more! It's a smart choice for those who want to maximize their spending potential.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check your account balances, transfer funds, and pay bills at your convenience. You don't have to wait in lines or rush to the bank before closing hours. Just log in from your computer or mobile device and take care of everything with just a few clicks. For members who prefer to manage their finances on the go, our mobile application is here for you! It provides all the essential features right at your fingertips. Plus, if you want to send money to friends or family quickly, our person-to-person transfer feature makes it easy no cash required!

Security and Accessibility

Your security is our top priority. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected with robust security measures to keep your information safe. We also provide e-statements for easy access to your account statements without the clutter of paper helping you stay organized and environmentally friendly. Whether you're using our desktop site or the mobile app, managing your accounts has never been simpler or more efficient. At 1st Choice, we're committed to making banking easy so you can focus on what really matters in life. Explore more about our digital offerings today by visiting https://www.1stchoicecu.org/!

Financial Strength

At 1st Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to have confidence in your financial institution. That's why we're proud to share our financial strength with you, showcasing the measures we take to ensure your trust and security. With a net worth of $1,100,644, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $326 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,551,182 in share certificates and $657,827 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,189,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition to our robust savings options, we have $996,960 in undivided earnings that allow us to reinvest in innovative banking tools and stronger lending options. With $51,370 in used auto loans and $24,207,938 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 1 part-time employees who are dedicated to serving you with a knowledgeable and committed team. With net shares available for lending at $0, along with a total of 11,167 share accounts, it's clear that many members trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Choice is your trusted partner. Visit us at 80 Jesse Hill Jr Dr Se Atlanta Ga 30303 or call (404) 616-4027 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,473,739 in used vehicle loans and $5,555,112 in new vehicle loans already helping members get on the road. Whether you're considering a new model or a reliable used vehicle, we have flexible financing options to suit your budget.

Credit Lines

For those looking for additional flexibility in managing their finances, our total credit lines amount to $3,000,000. This option allows you to access funds when needed while only paying interest on what you use. For business owners seeking growth opportunities, our outstanding commercial loans totaling $938,874 provide the capital needed to expand operations or invest in new ventures. If you're interested in refinancing any of your current loans or learning more about eligibility options for any of our products, please don't hesitate to reach out. You can contact us at 404-616-4027 during our lobby hours from Monday to Friday between 9:00 AM and 4:00 PM. The performance insights and financial data mentioned here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how 1st Choice can support your journey towards financial stability with our diverse loan offerings today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,108,924, make buying or refinancing simple. We offer competitive rates and terms that can help you manage your mortgage effectively.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $1,060,002 in loans helping members manage their finances effectively. These cards come with various benefits that can enhance your purchasing power without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing ensures that users receive fair and transparent offers. The platform's commitment to accuracy means you can trust the information you see.

Take Action Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

1St Choice