First Choice America Credit Union Wheeling WV | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Choice America Community located at 1990 Chapline St, Wheeling, WV 26003! Since our establishment in 1939, we've been committed to serving the financial needs of our members with a focus on trust, transparency, and community impact. With over 33,176 members, we pride ourselves on fostering strong relationships and providing personalized service. At First Choice America Community, we understand that every member's financial journey is unique. That's why we offer a wide range of services designed to meet your individual needs from checking and savings accounts to auto loans and mortgages. With total assets of $638,985,915 and total deposits reaching $260,212,191, our solid financial foundation allows us to support our community effectively. Our CEO, Scott Winwood, along with Board President Kenneth Truax, lead a dedicated team of 81 employees who are passionate about delivering exceptional service. Whether you're visiting us in person or using our online banking services, we're here to help you achieve your financial goals. While members can visit us at 1990 Chapline St, official correspondence should be sent to the same address for convenience. We also invite you to explore our website at firstchoiceamericacu.org for more information on membership eligibility and the array of products we offer. Join us as we continue to make a positive impact in Wheeling and beyond! Feel free to reach out by calling us at 304-748-8600 or visiting us during our lobby hours from 8:00 AM to 5:00 PM, Monday through Friday. Your financial success is our priority!

Branch History & Mission

At First Choice America Community, we take pride in our rich history and commitment to serving the Wheeling community. Established in 1939, our branch has grown significantly over the decades, evolving from a small credit union into a vital financial institution for over 33,000 members. Located at 1990 Chapline St, Wheeling, WV 26003, we are easily accessible and proud to be part of this vibrant city. Our mission is straightforward yet impactful: we strive to provide exceptional financial services while fostering a sense of community. We believe that everyone deserves access to quality banking solutions that empower them to achieve their financial goals. With total assets amounting to $638,985,915, we offer a wide range of services, including personal banking, auto loans, mortgage options, and business banking solutions. While you can visit us at our physical address for all your banking needs, official correspondence should be sent to our mailing address at 1990 Chapline Street, Wheeling, WV 26003. Over the years, we've embraced advancements in technology to enhance our services. Our digital offerings include online banking and mobile payments, making it easier for members to manage their accounts on the go. We're committed to providing ADA-compliant facilities and customer-centric initiatives that ensure every member feels valued and included. We also prioritize giving back to our community through partnerships and outreach efforts. By supporting local organizations and initiatives, we aim to strengthen the fabric of Wheeling while promoting financial literacy and wellness among our members. Our operating hours are convenient for busy lifestyles: Monday through Friday from 8:00 AM to 5:00 PM. Plus, with ATM availability and drive-thru services, accessing your funds has never been easier. Join us at First Choice America Community and discover how we can support your financial journey. Whether you're looking for a checking account or need assistance with a loan, our dedicated team is here to help you every step of the way. Experience the difference of being part of a community-focused credit union where you're not just a member; you're family! For more information or inquiries, feel free to reach out at 304-748-8600.

Branch Location & Accessibility

Convenient Access and Amenities

At First Choice America Community, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can access our services comfortably. Parking is readily available nearby, so you won't have to worry about finding a spot when you visit us. Plus, with our drive-thru banking option, you can handle your transactions quickly and efficiently without even having to leave your car.

Operating Hours

We are here for you during the week! Our lobby hours run from 8:00 AM to 5:00 PM, Monday through Friday. If you need assistance outside of these hours or prefer online options, remember that our website offers a range of digital services to manage your accounts anytime.

Services Tailored for You

First Choice America Community provides a comprehensive suite of services designed to meet all your financial needs. From 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. While members can visit us at 1990 Chapline St, official correspondence should be sent to the same address as there's no separate mailing location. If you're in the Wheeling area or nearby Ohio County, we invite you to come in and discover how we can help simplify your banking experience. For any questions or further information, don't hesitate to call us at 304-748-8600. We look forward to serving you!

Member Eligibility

At First Choice America Community, we believe in the power of community and the benefits that come from being part of something special. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Ohio County, or if you have an immediate family member who is already a member, you're eligible to join us. We invite you to explore all the advantages that come with membership like competitive loan rates, personalized service, and access to community-focused financial products. For more detailed eligibility criteria, feel free to check out our website at https://firstchoiceamericacu.org/membership/ . Ready to take the next step? Opening an account at First Choice America Community is straightforward and friendly. Just give us a call at (304) 748-8600, and we'll guide you through the process. You can also visit us at our location: 1990 Chapline St Wheeling Wv 26003. Join us today and experience the difference of being part of a caring financial family!

Business Banking & Commercial Services

Merchant Services that Make Sense

In today's fast-paced market, having reliable payment processing is crucial. Our merchant services allow you to accept payments easily and securely, whether in-store or online. Picture this: you've just finished a successful sale, and your customer can pay with a tap of their card or mobile device quick, simple, and efficient. By choosing First Choice America Community at 1990 Chapline St Wheeling Wv 26003, located right here in Wheeling, WV, you're not just getting financial support; you're gaining a partner dedicated to your success. Call us today at (304) 748-8600 to learn how we can help your business grow!

Tailored Loan Options

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. - With an outstanding commercial loan portfolio of $17,660,651, we continue to drive economic growth by financing new and expanding businesses. Imagine being able to invest in new equipment or expand your location all made possible through our accessible loan options tailored for your needs.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash in a hurry? Our ATM & Cash Withdrawal Services are readily available for quick access to your funds. Plus, our basic drive-thru banking allows you to handle deposits and withdrawals without leaving your vehicle perfect for those busy days when time is limited. At First Choice America Community, we're more than just a credit union; we're here to support you in every stage of life. If you have questions about any of our services or would like to learn more about becoming a member, don't hesitate to reach out! Call us at 304-748-8600, visit us online at firstchoiceamericacu.org, or stop by our branch today! Join us at First Choice America Community where your financial well-being is our priority!

Business Banking

For our business members, we offer comprehensive Business Banking services including merchant services and business loans tailored to help your enterprise thrive. Whether you're starting a new venture or expanding an existing one, we have solutions designed to support your success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services that let you manage your accounts from anywhere, anytime. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier.

Credit Cards and Rewards

We know that every little reward counts. That's why we offer Credit Cards with Rewards, allowing you to earn points on your everyday purchases which can be redeemed for exciting benefits.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored just for you. We understand that life can be unpredictable, so having the right account can make all the difference. If you're planning to purchase a new car or need funds for unexpected expenses, our Auto Loans & Vehicle Financing options provide flexible terms to suit your budget. For those considering homeownership, our Mortgage Loans & Refinancing services help guide you through the process with competitive rates and expert advice. Additionally, if you're dealing with debt or need extra cash for personal projects, our Personal Loans & Debt Consolidation options are here to help simplify your financial journey.

Digital & Online Banking

Key Features

Stay organized and in control of your finances with features like e-statements. Enjoy the peace of mind that comes with knowing your statements are delivered directly to your inbox securely and promptly. Plus, if you need to sign documents quickly, our electronic signature authorization allows you to do so without the hassle of printing or mailing. For those on the go, our mobile application makes banking even more accessible. With options for mobile payments, you can shop or dine out without needing cash or cards. And when it comes to sending money to friends or family, our person-to-person transfers make it simple and instantaneous.

Security You Can Trust

Your security is our top priority. We employ advanced technology to keep your information safe while providing a smooth banking experience. You can rest assured that your data is protected as you manage your accounts online. With all these features combined, First Choice America Community ensures that whether you're at home or out and about, you'll always have real-time access to your finances in a secure manner. Experience the future of banking today with us!

Financial Strength

Growing Membership Base

We currently serve 33,176 members with a total of 63,175 share accounts. This strong membership base shows that many trust us with their finances. Additionally, our funds available for lending stand at $0 net shares, highlighting our commitment to focusing resources directly back into member services. 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 1990 Chapline St Wheeling WV 26003 or call us at 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.

Member-Focused Savings

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.

Operational Efficiency

Our operational efficiency is evident in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We are also proud to have a dedicated team of 60 full-time employees and 21 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support.

Reinvestment for Better Services

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 is also impressive: with $141,014,430 in total loans and leases and $8,510,077 dedicated to used auto loans alone, we support your financial goals across various sectors.

Solid Financial Foundation

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 1696 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 $11,851,077 in used vehicle loans and $7,302,227 in new vehicle loans already helping members get on the road. We also provide flexible financing options for both new and used vehicles, making it easier than ever to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $17,660,651 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or working capital, we are here to support your business objectives. If you're unsure about eligibility or how to start the application process for any of our loan products, please reach out to us at 304-748-8600. Our team is ready to assist you with any questions you may have regarding refinancing options or loan eligibility criteria. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at our branch located at 1990 Chapline St Wheeling WV 26003, where we're dedicated to helping you navigate your borrowing journey with ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,939,181, make buying or refinancing simple. We offer competitive interest rates and various terms to fit your budget. If you're considering refinancing your current mortgage, we can help guide you through the process to find the best solution for your situation.

Unsecured Credit Card Loans

Managing everyday expenses is crucial for financial health. 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 designed to suit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh prioritizes accuracy and fairness in its 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 compliance ensures that all offers are legitimate and adhere to established guidelines, fostering a transparent environment for borrowers.

FIRST CHOICE AMERICA COMMUNITY FEDERAL CREDIT UNION