First Choice Credit Union Riviera Beach FL | Best Auto Loans & Business Banking

Introduction

Welcome to First Choice, your trusted partner in financial success since 1929. Conveniently located at 7305 N Military Trl, Riviera Beach, FL 33410, we are proud to serve our community with a personal touch that larger banks simply can't match. With a total membership of 8,957 and assets exceeding $144,739,876, we have the stability and experience to help you achieve your financial goals. At First Choice, we understand that each member's journey is unique. Our dedicated team of 28 employees, led by CEO Michael Welte and Board President Rhonda Diffenbach, is committed to providing personalized service tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we have something for everyone. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 1055 S Congress Ave, West Palm Beach, FL 33406-5195. We invite you to take advantage of our range of services designed with you in mind, including online banking and ATM access for your convenience. As a member-focused credit union with total deposits of $3,496,491 and a net worth of $15,785,401, we prioritize your financial well-being above all else. With cash in hand totaling $478,782 and no outstanding borrowings, we are well-positioned to support your ambitions. We encourage you to reach out to us today at 561-641-0100 or visit our website at firstchoicecu.org to learn more about how we can assist you on your financial journey. Your future starts here let's build it together!

Branch History & Mission

Community Engagement

First Choice believes in giving back to the community that has supported us over the years. We actively participate in local outreach programs and partnerships aimed at enhancing the well-being of residents in Riviera Beach and beyond. Our goal is not only to provide excellent financial services but also to foster a sense of belonging among our members. We invite you to join us on this journey as we continue to serve our community with integrity and dedication. Experience the benefits of becoming a member of First Choice today where your financial goals are our top priority! For more information or assistance, feel free to reach out at 561-641-0100 or visit us online at First Choice Credit Union.

Our Mission

Our mission at First Choice is clear: to provide personalized financial solutions that empower individuals and strengthen communities. We understand that each member has unique needs and goals. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, credit cards with rewards, and business banking options. We strive not just to meet your financial needs but to build lasting relationships based on trust and support. As part of our commitment to innovation and accessibility, we offer online and mobile banking options along with ATM services available for your convenience. Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM, ensuring that you can reach us when you need us most.

Branch Location & Accessibility

Connect With Us!

Have questions? We're just a phone call away! Reach out to us at 561-641-0100 for any inquiries or assistance. We invite you to visit us today at First Choice and experience the personalized service that sets us apart from the rest. Your financial success is our priority!

Conveniently Situated

Our branch is nestled in a bustling area of Riviera Beach, just a short drive from notable landmarks like the beautiful beaches and local parks. Whether you're running errands or enjoying a day out, stopping by our credit union is a breeze. We offer ample parking for your convenience, ensuring that you can visit us without any hassle. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and pathways.

Services Designed for You

We pride ourselves on offering 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've got you covered. Additionally, our ATM is available for quick cash withdrawals and balance checks whenever you need it.

Welcoming Operating Hours

At First Choice, we value your time. Our lobby hours are from 8:30 AM to 5:00 PM, Monday through Friday. This schedule allows you to take care of your banking needs on your way to work or during your lunch break. While we currently do not offer drive-thru service, we encourage you to come inside where our friendly staff is ready to assist you with any questions or services you may need.

Member Eligibility

At First Choice, becoming a member feels like joining a close-knit family that genuinely cares about your financial well-being. If you're looking to take part in our supportive community, you'll be happy to know that eligibility is straightforward and welcoming. Typically, anyone who lives, works, or worships in the area around 7305 N Military Trl Riviera Beach Fl 33410 can become a member. It's all about building connections and empowering each other to reach our financial goals together. To get started on your journey with us, simply visit our website for detailed information on the eligibility criteria at . Our friendly team is here to help if you have any questions; just give us a call at (561) 641-0100. Opening an account is easy and designed with your convenience in mind check out how to do it at . Join us at First Choice today, and let's work towards achieving your dreams together!

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 $0 in commercial loans for our members, helping businesses scale and succeed. If you're not yet a member, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. Imagine having the capital to expand your operations or invest in new technology these are just some of the opportunities our commercial loans can unlock. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to streamline your daily operations. From payment processing solutions to point-of-sale systems, our services empower you to focus on what you do best running your business. With easy access to funds and efficient transaction handling, you can enhance customer satisfaction while managing your cash flow effectively. Located at 7305 N Military Trl Riviera Beach Fl 33410 in Riviera Beach, FL, we're here to help you take your business to the next level. Call us at (561) 641-0100 to learn more about how we can partner with you on your financial journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options can help make that dream car a reality. With competitive rates and flexible terms, purchasing your next vehicle can be an easy and straightforward process. Picture driving off the lot with confidence knowing that you've secured a loan that fits your budget.

Business Banking Services

For our business-minded members, we provide robust business banking services including merchant services and business loans. Whether you're starting up or expanding, we're committed to supporting local businesses thrive in today's economy.

Credit Cards with Rewards

Who doesn't love rewards? With our credit cards, not only can you make everyday purchases, but you also earn rewards along the way. It's a great way to benefit from your spending while managing your finances smartly.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our team is here to guide you through the process with personalized support every step of the way. Our mortgage loans come with attractive rates that make homeownership more accessible than ever.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Need to check your balance or transfer money? Just pull out your phone! We also offer features like ATM access for quick cash withdrawals and balance checks so you can stay on top of your finances with ease. We invite you to explore all that First Choice has to offer. With a commitment to excellent service and member satisfaction, we are here to support you in achieving your financial goals. For more information on any of these services or to get started today, visit us online at First Choice or give us a call at 561-641-0100!

Personal Banking Solutions

When it comes to personal banking, we offer various options tailored just for you. Whether you're looking to open a checking or savings account, our accounts are designed with your financial goals in mind. Imagine having a hassle-free way to manage your day-to-day expenses while also saving for the future. That's exactly what our personal banking solutions provide.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We offer financial solutions that allow you to tackle those challenges head-on without feeling overwhelmed.

Digital & Online Banking

Mobile Banking at Your Fingertips

Stay in control of your finances with our mobile application. It's designed for easy navigation so you can check your accounts or make payments while you're out and about. Our mobile payments feature also lets you make purchases directly from your phone, making transactions simpler than ever.

Secure Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer service makes it easy. Just a few taps on your screen, and the money is on its way no need for cash or checks. At First Choice, we prioritize security as much as convenience. Our 24/7 online banking ensures that you can access your accounts whenever you need them while keeping your information safe. With all these features, managing your finances has never been easier or more accessible. Experience the future of banking today with First Choice!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 17,843, showing a strong and growing member base that trusts us with their finances. This trust empowers us to continue enhancing our offerings while maintaining the reliability you expect from us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Choice is your trusted partner. Visit us at 7305 N Military Trl Riviera Beach Fl 33410 or call (561) 641-0100 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $15,785,401 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our robust lending capacity: we have $83,374 in used auto loans and $74,934,233 in total loans and leases to support your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $24,156,525 in share certificates and $18,867,261 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 24 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

With a net worth of $15,785,401, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,091 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,904,137 in used vehicle loans and $13,934,440 in new vehicle loans already helping members get on the road. We believe that owning a vehicle should be accessible and affordable. Our team is here to assist you in navigating through financing options that work best for you.

Credit Lines

For those who need a little extra flexibility in their budget, our total credit lines amount to $42,505,000. This option provides you with easy access to funds whenever you need them without the stress of high interest rates. If you're interested in any of these loan products or if you have questions about eligibility and refinancing options, don't hesitate to reach out to us! You can call us at 561-641-0100 or visit us at our branch located at 7305 N Military Trl Riviera Beach Fl 33410. Our operating hours are from 8:30 AM to 5:00 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to providing transparent information so you can make informed choices about your financial future. Let First Choice be your partner in achieving your dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,083,400, make buying or refinancing simple. We provide guidance throughout the process to ensure you feel confident with your decision. If you're considering refinancing your current mortgage, we have options available as well.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,678,322 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and benefits that fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you gain access to a tool that prioritizes transparency and accuracy in every comparison. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified data means you can trust the information presented to you. Each loan offer comes from legitimate financial institutions, guaranteeing that you see fair and transparent options. One of the standout features of LendMesh is its dedication to providing unbiased results. There are no sponsored listings that skew the comparison in favor of lenders who pay for promotion. This means that every user receives an impartial view of available loans, enabling informed decision-making without any hidden agendas. With real-time rate comparisons, LendMesh gives users up-to-date loan rates from multiple institutions. This feature is especially valuable when trying to secure the best deal on your next loan. The platform's straightforward interface allows users to quickly assess their options and select what suits their financial needs best. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective and reliable this tool can be for individuals seeking better loan terms. If you're ready to take control of your borrowing options, 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.*

FIRST CHOICE CREDIT UNION - Riviera Beach, FL