First Choice Credit Union New Castle PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Choice, your trusted financial partner in New Castle, PA. Located at 2810 Wilmington Rd, New Castle, PA 16105, we pride ourselves on being a cornerstone of the community since 1952. With over 7,655 members and assets totaling an impressive $71,349,751, our commitment is to serve you with integrity and dedication. At First Choice, we understand that banking is more than just transactions; it's about building relationships. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our team, led by CEO Michael Vatter and Board President Pamela Miller, consists of 18 dedicated employees who are always ready to assist you. While members can visit us at our branch location, official correspondence should be directed to the same address: 2810 Wilmington Rd, New Castle, PA 16105-1232. We have crafted our services with you in mind offering everything from online banking to drive-thru services for your convenience. We take pride in our robust financial standing, which includes total deposits of $4,208,788 and a net worth of $7,593,149. Our commitment to the community is evident not just in numbers but also in the support we provide for local initiatives and events. Explore all that First Choice has to offer by visiting our website at firstchoicefcu.com or call us at 724-652-8070 for personalized assistance. Join us today and experience how we can help you achieve your financial goals!

Branch History & Mission

Join Us

As we look ahead, we invite you to be part of this journey. Visit us at 2810 Wilmington Rd, or feel free to reach out via phone at 724-652-8070 for any inquiries. While members can visit us at this address for all banking needs, official correspondence should be directed to 2810 Wilmington Rd, New Castle, PA 16105-1232 if different from the branch address. Together, let's build a brighter future one where every member's financial goals are within reach. Explore the benefits of joining First Choice today by checking out our website here. Your first choice in banking starts with us!

Our Mission

Our mission at First Choice is simple yet profound: to deliver exceptional financial services while fostering a spirit of community support. We believe that when our members thrive, so does our community. We aim to provide accessible banking solutions that are tailored to individual needs while ensuring that everyone feels valued and respected. In today's fast-paced world, we embrace technology without losing sight of personal connections. Our digital advancements allow members to manage their finances easily through online and mobile banking platforms. Additionally, we are proud to maintain ADA compliance, ensuring all individuals can access our services comfortably.

Our Story

At First Choice, every milestone tells a story. From our humble beginnings at 2810 Wilmington Rd, we've continually evolved to meet the needs of our members. Our location is conveniently situated near local landmarks that make it easy for community members to find us. With our commitment to providing excellent service, we've expanded our offerings to include a variety of financial products such as personal loans, auto financing, mortgage solutions, and business banking services. We are not just about numbers; we focus on people. As part of our mission, we strive to uplift the communities we serve through various outreach programs and partnerships that support local initiatives. Whether it's sponsoring youth sports teams or hosting financial literacy workshops, our goal is to empower members and enhance their quality of life.

Branch Location & Accessibility

Accessibility Features

At First Choice, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking options that ensure everyone can visit us comfortably. If you prefer not to come inside, we offer drive-thru banking services for quick transactions without leaving your vehicle.

Connect with Us

Have questions or need assistance? Don't hesitate to call us at 724-652-8070. We look forward to welcoming you into our community and helping you achieve your financial goals. Visit us today at First Choice where your financial future begins!

Operating Hours

We understand that life can get busy, which is why our operating hours are designed with your convenience in mind. We are open Monday through Friday from 9:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. Our drive-thru service operates earlier on weekdays from 8:30 AM to ensure you have the flexibility you need.

Services Offered

At First Choice, we provide a range of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, our friendly staff is here to assist you with personalized service every step of the way. Additionally, we have an ATM available for quick cash withdrawals and balance checks anytime.

Member Eligibility

At First Choice, we believe that everyone deserves a chance to be part of our close-knit community. Becoming a member is simple and welcoming! If you live, work, or worship in the New Castle area, you're already eligible to join us at First Choice. We also open our doors to family members of current members, making it easy for your loved ones to enjoy the benefits too. Being part of First Choice means access to personalized financial services, competitive rates on loans, and a dedicated team that genuinely cares about your financial journey. To get started, simply visit us at our branch located at 2810 Wilmington Rd New Castle Pa 16105 or give us a call at (724) 652-8070 for more information. For detailed eligibility criteria, check out this resource: Become a Member. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Beyond loans, we offer merchant services that simplify transactions for your customers. Picture this: a busy Saturday at your retail store. A customer wants to make a quick purchase using their card. With our merchant services, you can process payments easily and efficiently, ensuring that sales flow smoothly while enhancing customer satisfaction. Located at 2810 Wilmington Rd New Castle Pa 16105 in New Castle, PA, we're here to help you navigate the financial landscape with personalized service and expert advice. Call us at (724) 652-8070 today to discover how we can help your business thrive!

Tailored 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick transactions like deposits and withdrawals, making it easier for those busy days when time is limited. Our ATMs allow for straightforward access to cash along with balance checks whenever needed. Whether you're visiting us in person or utilizing our digital platforms, rest assured that our team is committed to delivering exceptional service tailored just for you. With operating hours from Monday through Friday 9:30 AM to 4:30 PM and Saturday from 9 AM to 12 PM, we strive to be available when you need us most. If you're ready to explore these offerings further or have any questions, feel free to give us a call at (724) 652-8070 or visit us online at https://firstchoicefcu.com/. Join the First Choice family today and experience financial services designed with you in mind!

Business Banking

For our business members, we provide essential tools such as merchant services and business loans that can help your enterprise thrive. We understand that running a business comes with its own set of challenges, and we're here to support you every step of the way.

Digital Convenience

In today's fast-paced world, convenience matters more than ever. That's why at First Choice Fcu, we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills with just a few taps on your smartphone or computer. Plus, our ATM and cash withdrawal services ensure you have access to your money whenever you need it.

Personal Banking

Our personal banking services include various checking and savings accounts designed to help you manage your money effectively. For those planning to purchase a vehicle, our auto loans and vehicle financing options offer competitive rates and flexible terms. If buying a home is on your agenda, take advantage of our mortgage loans and refinancing solutions that can simplify the process for you. Life can sometimes throw unexpected expenses your way, which is why we also offer personal loans and debt consolidation options. These services can help you regain control over your finances when you need it most. And don't forget about our credit cards with rewards perfect for earning benefits while making everyday purchases!

Digital & Online Banking

Key Services

With our user-friendly online banking platform available at https://firstchoicefcu.com/, you can check balances, pay bills, and transfer money with just a few clicks. If you prefer using your smartphone, our mobile application is ready for download, allowing you to manage your finances right from your pocket. Plus, you can make payments easily with our mobile payments feature.

Security and Convenience

Your security is our top priority. We use advanced security measures to protect your personal information. With electronic signature authorization available, signing important documents has never been easier or more secure. You can also opt for e-statements, which are not only environmentally friendly but also keep your financial information organized and accessible at all times.

Stay Connected Anytime

Need to send money to a friend? Our person-to-person transfer service makes it simple and fast. And with 24/7 online banking services, you have the flexibility to manage your accounts on your schedule day or night. Experience the convenience of modern banking with First Choice. Join us today and enjoy the benefits of being able to control your finances anytime, anywhere!

Financial Strength

Commitment to Growth

With $6,841,292 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,411 in used auto loans and a total of $52,150,657 in loans and leases.

Growing Member Base

With a total of 13,228, we showcase a strong and growing member base that trusts us with their finances. Our commitment to your financial well-being drives everything we do at First Choice. 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 2810 Wilmington Rd New Castle Pa 16105 or call (724) 652-8070 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 Savings and Investments

Members' savings are secured through $12,882,229 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,983,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $408,219, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $7,593,149, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.64% 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 $23,277,425 in used vehicle loans and $14,368,686 in new vehicle loans already helping members get on the road. We make it easy for you to drive away in the vehicle you desire while keeping your budget in mind.

Credit Lines

Our total credit lines amount to $5,000,000, providing additional resources for our members who need them. This allows for greater flexibility when managing your finances or planning for unexpected expenses. We are committed to providing exceptional service and support throughout your borrowing journey. If you're considering refinancing options or want to learn more about eligibility criteria, feel free to reach out! You can contact us at (724) 652-8070 or visit us at our branch located at 2810 Wilmington Rd New Castle Pa 16105 in New Castle, PA. 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 look forward to helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,818,438, make buying or refinancing simple. We can guide you through the process and help you find a loan that fits your financial situation perfectly.

Unsecured Credit Card Loans

For those looking to manage expenses or consolidate debt, we also offer flexible terms on unsecured credit card loans, with a total of $661,591 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and no hidden fees.

Loan Aggregator

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How LendMesh Ensures 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), ensuring fair and transparent offers. This commitment to sourcing verified information means that users receive accurate and up-to-date loan options tailored to their needs.

FIRST CHOICE FEDERAL CREDIT UNION - New Castle, PA

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