First Choice America Credit Union Chester WV | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Choice America Community, your trusted partner in financial well-being located at 300 Carolina Ave, Chester, WV 26034. Since our establishment in 1939, we have been dedicated to serving our community, providing personalized banking solutions that cater to the unique needs of our 33,176 members. With a robust asset base of $638,985,915, we are committed to helping you achieve your financial goals. At First Choice America Community, we understand that each member's journey is different. That's why we offer a range of services from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total deposits stand at an impressive $260,212,191, reflecting the trust our members place in us. Under the leadership of CEO Scott Winwood and Board President Kenneth Truax, our team of 81 dedicated employees works tirelessly to ensure you receive the best service possible. We take pride in our strong net worth of $108,345,172 and our ability to provide resources like $4,274,057 in cash on hand for immediate needs. While members can visit us at our branch for personal assistance or use our online services for convenience, any official correspondence should be sent to the same address: 300 Carolina Avenue, Chester, WV 26034. We invite you to experience the difference that comes with being part of a community-focused credit union. Whether you're looking for a new loan or simply need help managing your finances, we're here for you. Feel free to reach out by calling us at 304-748-8600 or visit our website at First Choice America Community for more information about how we can serve you better. Join us today and let's build a brighter financial future together!

Branch History & Mission

Welcome to the First Choice America Community in Chester, West Virginia! Established in 1939, our branch has a rich legacy of serving the community with dedication and care. Over the years, we have grown into a trusted financial partner for many individuals and families, currently boasting a total membership of 33,176. Our journey reflects not only our commitment to providing excellent financial services but also our passion for uplifting the community around us. Located at 300 Carolina Ave, Chester, WV 26034, our branch is easily accessible to all members. We are proud to be part of a town that values connection and support. If you need to send official correspondence, please use our mailing address: 300 Carolina Avenue, Chester, WV 26034. At First Choice America Community, we strive to empower our members through a wide range of financial services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our total assets now exceed $638 million, showcasing our stability and ability to support your financial needs. We understand the importance of modern banking solutions; that's why we offer online and mobile banking options along with ATM services for your convenience. Our mission is clear: we aim to provide accessible financial solutions while fostering a sense of community. We believe in helping our members achieve their dreams whether that's buying a new home or financing education while also supporting local initiatives that strengthen Chester and its surrounding areas. We recognize the importance of adapting to changing times. With initiatives such as ADA compliance and customer-centric digital advancements like mobile payments and electronic statements, we make banking easier for everyone. We also maintain physical accessibility with drive-thru services available during our operating hours from 8:30 AM to 5:30 PM on weekdays. Community outreach is at the heart of what we do. We actively engage in partnerships that promote local development and well-being. By becoming a member of First Choice America Community, you join not just a credit union but a family dedicated to making a positive impact. We invite you to experience everything First Choice America Community has to offer. Join us today and discover how together we can build a brighter future for you and your community! For more information or assistance, feel free to reach out at (304) 748-8600.

Branch Location & Accessibility

Accessibility Features

At First Choice America Community, we ensure that all members have access to our services. Our branch is ADA compliant, featuring ramps and accessible parking spaces for your convenience. Parking is readily available so you can visit us without any hassle.

Get in Touch

If you have any questions or need assistance while visiting us at 300 Carolina Ave, feel free to give us a call at 304-748-8600. Our team is always ready to assist you! We look forward to welcoming you into our branch soon. Remember, whether you're looking for financial advice or just want to make a quick transaction, First Choice America Community is here for all your banking needs!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM. If you prefer using our drive-thru service for simple transactions like deposits and withdrawals, we've got that covered too!

Services Offered

As a member of First Choice America Community, you have access to a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. For businesses, we offer merchant services and business loans as well. Plus, with online and mobile banking features, managing your finances has never been easier!

Member Eligibility

Becoming a member of First Choice America Community is like joining a close-knit community where your financial well-being is our priority. Located at 300 Carolina Ave Chester Wv 26034, we welcome anyone who lives, works, worships, or attends school in the area to become part of our family. If you have a passion for supporting your local community and want access to personalized banking services, you're already on the right track! Joining us means you'll enjoy benefits such as competitive loan rates, low fees, and the support of friendly staff ready to help you achieve your financial goals. For detailed eligibility criteria, feel free to check out our website at https://firstchoiceamericacu.org/membership/. If you're ready to take that next step or have any questions, don't hesitate to give us a call at (304) 748-8600. We're excited to welcome you to First Choice America Community!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In today's fast-paced world, having reliable merchant services is essential for any business. At First Choice America Community, we offer tailored solutions that simplify transactions, making it easier for your customers to pay and for you to manage your sales. Imagine a seamless checkout experience where you can accept payments anytime, anywhere this is what our merchant services deliver. Explore how our services can meet your business needs at our branch located at 300 Carolina Ave Chester Wv 26034, Chester, WV. Feel free to contact us at (304) 748-8600 for more information!

Unlocking Business Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $32 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 $17,660,651, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. We know how important it is to have reliable transportation, and we're here to make that process as simple as possible.

Business Banking Services

If you're an entrepreneur or own a small business, we provide essential Business Banking services such as merchant services and business loans. We're committed to supporting local businesses by offering the financial tools needed for growth and success.

Convenient Access Points

Our branch features basic drive-thru banking for quick transactions like deposits and withdrawals. Plus, with ATM availability both in-branch and around town, accessing your funds has never been easier. You can perform cash withdrawals and balance checks without stepping inside. At First Choice America Community in Chester, WV, we prioritize convenience and accessibility because we know how busy life can get. If you have any questions or need assistance with any of our services, don't hesitate to give us a call at 304-748-8600. Join us today at First Choice America Community where your financial well-being is our top priority! Visit our website at firstchoiceamericacu.org for more information about membership and our complete list of services. We look forward to serving you!

Credit Cards with Rewards

For those who love rewards, our Credit Cards with Rewards program is perfect for earning cash back or points on everyday purchases. It's a simple way to maximize your spending while enjoying great benefits.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make in life. At First Choice America Community, we offer various Mortgage Loans & Refinancing options designed to suit your budget. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, our knowledgeable staff will guide you through every step.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Need access to funds on the go? Our Online & Mobile Banking features allow you to manage your accounts from anywhere. You can check balances, transfer money, and even make payments right from your smartphone.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our user-friendly mobile application brings banking right to your fingertips. Whether you want to deposit checks, transfer money between accounts, or make person-to-person payments, it's all just a tap away. Plus, with our mobile payments feature, you can pay for purchases quickly and securely using your smartphone. Worried about paperwork? Say goodbye to clutter with our electronic signature authorization feature. You can sign documents digitally, making it easier than ever to open accounts or apply for loans without needing to visit a branch. Additionally, e-statements are available so you can keep track of your finances while minimizing paper waste.

Security You Can Trust

At First Choice America Community, your security is our top priority. We utilize advanced encryption methods and secure login protocols to protect your personal information. This means you can manage your money confidently online without worrying about unauthorized access. In today's fast-paced world, having real-time account management is essential. Our digital banking services ensure that you stay in control of your finances whenever you need it. Experience the ease and accessibility of modern banking by exploring what First Choice America Community has to offer today!

Financial Strength

At First Choice America Community, 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 that in today's world, knowing your financial institution is strong and reliable brings peace of mind. That's why we are committed to transparency and sharing our financial health with you. With a net worth of $108,345,172, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.96% 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 $128,805,180 in share certificates, 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. With $105,361,904 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; we currently have $827 in used auto loans and $141,014,430 in total loans and leases. Our operational efficiency is reflected in our $2,809,191, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 60 full-time employees and 21 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Choice America Community is your trusted partner. Visit us at 300 Carolina Ave Chester Wv 26034 or call (304) 748-8600 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 $11,851,077 in used vehicle loans and $7,302,227 in new vehicle loans already helping members get on the road, we provide flexible financing options for both new and used vehicles.

Business Financing

For business owners, our outstanding commercial loans totaling $17,660,651 provide the capital needed to grow and expand your operations. We understand that running a business requires access to reliable funding sources. We invite you to explore our refinancing options as well if you're considering ways to lower your payments or consolidate debt. You can reach us at (304) 748-8600 for any questions or inquiries about our loan offerings. Our branch is conveniently located at 300 Carolina Ave Chester WV 26034, and we're here to assist you during our operating hours from 8:30 AM to 5:30 PM. For more information on eligibility or how to apply for any of these loan products, please visit our website at firstchoiceamericacu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards a brighter financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $16,939,181, making it easier than ever to invest in your future.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $1,895,838 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits that add value to your everyday spending.

Loan Aggregator

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FIRST CHOICE AMERICA COMMUNITY FEDERAL CREDIT UNION - Chester, WV

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