First Choice Credit Union West Palm Beach FL | Quick Personal Loans & ATM Services

Introduction

Welcome to First Choice, your trusted credit union located at 1055 S Congress Ave, West Palm Beach, FL 33406. Since our establishment in 1929, we have been dedicated to serving our community with integrity and reliability. With a proud membership of 8,957 and total assets reaching an impressive $144,739,876, we strive to provide financial services that empower our members and enhance their lives. At First Choice, we understand that each member's financial journey is unique. That's why we offer a variety of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. We currently manage $3,496,491 in deposits, showcasing the trust our members place in us. Led by our CEO Michael Welte and Board President Rhonda Diffenbach, our team of 28 employees is here to support you every step of the way. Whether you're looking to consolidate debt or finance your next vehicle, we've got you covered with over 121,269 loans and leases available for our members. While members can visit us at our branch for face-to-face service during lobby hours from 8:30 AM to 5:00 PM, you can also access your accounts anytime through our online and mobile banking services. Our commitment goes beyond just numbers; it's about building relationships within our community. If you have any questions or need assistance, don't hesitate to reach out at 561-641-0100 or visit our website at First Choice Credit Union. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

Our Evolution

From our humble beginnings, First Choice has consistently focused on the well-being of our members. We believe that everyone deserves access to quality financial services, which is why we offer a wide range of products including personal banking, auto loans, mortgages, and business banking solutions. As we evolved, we embraced modern technology while maintaining our commitment to personalized service. Today, our members enjoy conveniences like online banking and mobile payment options. At First Choice, we understand that financial empowerment goes beyond just transactions; it's about building relationships within our community. We actively participate in local events and initiatives aimed at enhancing the lives of those around us. Our drive-thru service allows for quick transactions without sacrificing personal touch.

Our Mission

Our mission is straightforward: to provide exceptional financial services while making a positive impact in the communities we serve. We strive to create an inclusive environment where everyone feels valued and supported. Whether you're opening your first savings account or seeking advice on investments, we are here every step of the way. While members can visit us at 1055 S Congress Ave, official correspondence should be sent to 1055 S Congress Ave, West Palm Beach, FL 33406-5195. For any inquiries or assistance, feel free to call us at 561-641-0100 during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. We invite you to join First Choice and experience firsthand how we can help you achieve your financial goals while being an integral part of a supportive community. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At First Choice, we prioritize accessibility. Our branch complies with ADA standards, ensuring that everyone can easily navigate through our facilities. You'll find ramps and other features designed to make your visit comfortable. Additionally, our drive-thru banking option allows you to conduct simple transactions without leaving your vehicle.

Call to Action

We invite you to visit First Choice today! If you have any questions or need assistance before your visit, feel free to give us a call at 561-641-0100. Your financial well-being is our priority, and we look forward to serving you!

Operating Hours and Services

We're here for you during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Whether you're stopping by for personal banking or seeking business services like merchant accounts and business loans, our friendly staff is eager to help. While we currently do not have ATM availability on-site, our drive-thru service provides a convenient way for you to make deposits and withdrawals.

Member Eligibility

At First Choice, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the vibrant area around us, you're likely eligible to join. We're here to help you take advantage of all the fantastic benefits that come with membership, from personalized financial advice to competitive loan rates. For the most current details on eligibility, feel free to check out our website at . Once you're ready to open your account, just give us a call at (561) 641-0100 or stop by our branch located at 1055 S Congress Ave West Palm Beach Fl 33406. Our friendly team will guide you through the process and make it as easy as pie! We can't wait to welcome you into the First Choice family where your financial journey matters to us.

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to launch your next big project or upgrade your equipment without the stress of traditional lending. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are eager to explore opportunities with local businesses.

Merchant Services

Our merchant services are designed to simplify your operations, allowing you to focus on what matters most running your business. By offering easy payment processing options, we enable you to serve your customers better and streamline transactions. Think about how much smoother your day-to-day operations could be with our reliable support. Located at 1055 S Congress Ave West Palm Beach Fl 33406 in West Palm Beach, FL, we invite you to reach out at (561) 641-0100 for more information on how we can assist your business's financial journey. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle or need financing for a used car, our Auto Loans & Vehicle Financing options are here to help. We provide competitive rates and flexible terms so you can drive away in your dream car without breaking the bank. Picture cruising down the highway with peace of mind knowing that you made a smart financial choice.

Business Banking Services

Entrepreneurs can also find valuable resources through our Business Banking services that include merchant services and business loans designed to support small businesses in their growth journey. We know how important it is for local businesses to thrive in the community.

Convenient Access

To make managing your finances even easier, we offer various features like online banking and mobile payments that allow you to access your accounts anytime and anywhere. Additionally, if you prefer face-to-face service for basic transactions like deposits or withdrawals, our drive-thru banking option ensures that you get the assistance you need without stepping inside. In conclusion, whether you're looking for personal finance solutions or business banking support, First Choice has something for everyone. Visit us at 1055 S Congress Ave, or call us at 561-641-0100 today! Explore how we can assist you in achieving your financial dreams and experience firsthand why we're known as First Choice for many in the West Palm Beach area!

Credit Cards with Rewards

Enjoy shopping with added benefits through our Credit Cards with Rewards program. Not only do you earn points on everyday purchases, but these rewards can lead to discounts on travel, merchandise, and much more. It's like getting paid back for what you already buy!

Mortgage Loans & Refinancing

Homeownership is more than just a dream; it's an achievable goal with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we guide you every step of the way. Our dedicated team will help simplify the process, making it feel less daunting and more exciting.

Personal Banking Solutions

For individuals looking to manage their day-to-day finances, our Personal Banking services include checking and savings accounts tailored to fit different lifestyles. Whether you're saving for a vacation or managing monthly expenses, we offer accounts designed with your goals in mind. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

For those times when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options provide a lifeline. Whether it's medical bills or home repairs, these loans can help ease financial stress by consolidating debt into manageable payments.

Digital & Online Banking

Accessibility and Ease-of-Use

Whether you're at home or on the go, our digital banking services are designed to fit into your lifestyle. With mobile payments available, you can make purchases quickly and securely without the need for cash or cards. Everything is tailored to give you real-time access to your financial information so you can stay on top of your budget effortlessly. Join us at First Choice today and take advantage of all the digital banking tools we have to offer. We're committed to making banking simple and secure for all our members!

Key Features

Our online banking platform provides a user-friendly experience that allows you to check balances, transfer funds, and pay bills with just a few clicks. For those who prefer mobile convenience, our mobile application is available, letting you manage your finances right from your smartphone. You can also enjoy the ease of person-to-person transfers, which makes sending money to friends or family quick and hassle-free. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are protected. Plus, if you opt for e-statements, you'll receive your account statements electronically saving paper while keeping your information secure and accessible.

Financial Strength

A Dedicated Team at Your Service

We also take pride in having 24 full-time employees and 4 part-time employees who are ready to assist you with knowledgeable service. Whether you have questions about accounts or need advice on loans, our team is here for you every step of the way.

Committed to Your Growth

Unlike traditional banks, we ensure our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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.

Join Our Growing Family

Total Share and Deposit Accounts: 17,843, showing a strong and growing member base that trusts us with their finances. This growth speaks volumes about the trust our community places in First Choice, reinforcing our commitment to serving you well. 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 1055 S Congress Ave West Palm Beach Fl 33406 or call (561) 641-0100 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.

Member-Centric Savings Options

We prioritize our members' needs. 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. This focus allows us to create tailored solutions that truly benefit you.

Solid Financial Foundation

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.

Supporting Your Financial Goals

With $83,374 in used auto loans and $74,934,233 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

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. Whether you're purchasing a new model or a reliable used vehicle, our financing options are designed to fit your budget and lifestyle.

Credit Lines

Our total credit lines amount to $42,505,000, providing you with additional flexibility when you need it most. Whether it's for unexpected expenses or planned purchases, having access to credit can be invaluable. At First Choice, we believe in empowering our members through clear options and competitive rates. If you're considering refinancing or need more information about eligibility for any of our loan products, feel free to reach out. For personalized assistance or more details about our loan offerings, don't hesitate to contact us at 561-641-0100 or visit us at 1055 S Congress Ave West Palm Beach Fl 33406. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 help make the process straightforward so that you can focus on what really matters your new home.

Unsecured Credit Card Loans

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. These cards are perfect for everyday purchases and emergencies alike.

Loan Aggregator

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FIRST CHOICE CREDIT UNION