First Choice Community Credit Union Seymour TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to First Choice Community, your trusted partner in financial services located at 10210 Chapman Hwy, Seymour, TN 37865. Established in 1934, our credit union has been a cornerstone of the Seymour community for nearly 90 years. With a strong commitment to supporting our members, we proudly serve over 3,840 individuals and families, helping them achieve their financial goals. At First Choice Community, we understand that every member's needs are unique. That's why we offer a variety of services designed to make banking easy and accessible. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, our dedicated team is here to guide you every step of the way. Our total assets amount to an impressive $49,037,632, reflecting our stability and ability to serve you better. With total deposits reaching $6,591,687, we ensure your funds are secure while providing competitive loan options totaling 1,746 loans and leases. Our net worth stands at $7,285,952, showcasing our strength as a member-owned institution focused on mutual success. Led by CEO Carisa Chitwood and Board President Jason Haggard, our team of 15 employees is passionate about fostering relationships built on trust and transparency. We invite you to visit us in person or connect with us via phone at 865-982-0075 during our convenient hours from Monday to Friday, 9:00 AM to 5:00 PM. While members can visit us at our branch address, official correspondence should be sent to the same location for clarity. Join us at First Choice Community where your financial future is our priority! Explore more about what we offer on our website here or feel free to reach out directly for personalized assistance.

Branch History & Mission

Our Journey

From our humble beginnings at 10210 Chapman Hwy, we have continuously evolved to meet the needs of our community. Our commitment to providing exceptional financial services has remained steadfast through the years. With the help of our dedicated team of 15 employees, including our CEO Carisa Chitwood and Board President Jason Haggard, we strive to deliver personalized service that makes banking convenient and accessible for everyone. As we moved forward in time, we adapted to technological advancements while ensuring that our services remain user-friendly. We offer online and mobile banking options that allow you to manage your accounts from anywhere at any time. Additionally, with our drive-thru banking service and ATM availability, we aim to make your banking experience as smooth as possible.

Our Mission

At First Choice Community, our mission is clear: We are here to empower our members through reliable financial services while actively supporting the communities we serve. We believe in fostering relationships built on trust and transparency. Whether it's personal loans for a new vehicle or mortgage refinancing options, we're dedicated to helping you achieve your financial goals. Moreover, community outreach is at the heart of what we do. We engage with local organizations and participate in events that promote growth and development within Seymour. Our goal is not only to serve our members but also to uplift the entire community by providing resources and opportunities. While you can visit us at our branch location for all your banking needs during lobby hours from Monday to Friday, 9 AM to 5 PM, official correspondence should be directed to our mailing address at 10210 Chapman Hwy, Seymour, TN 37865 if it differs. In closing, we invite you to join First Choice Community today! Experience firsthand the benefits of being part of a credit union that genuinely cares about its members. Together, let's build a brighter future for ourselves and for Seymour! For more information or assistance, please call us at (865) 982-0075 or explore our website at firstchoiceccu.org.

Branch Location & Accessibility

Come Visit Us!

Whether you're looking for a new financial partner or simply want to learn more about what we offer, we invite you to stop by First Choice Community. Our friendly staff is here to help you navigate your financial journey with ease and care. We look forward to seeing you soon!

Nearby Landmarks and Accessibility

First Choice Community is just a short drive from popular spots like the Seymour Library and local parks, providing a familiar backdrop for our community members. If you're visiting us, you'll find ample parking available right outside our doors, ensuring that your visit is hassle-free. Our branch is also equipped with features that comply with ADA standards, including ramps for wheelchair access, so everyone can enjoy our services without barriers.

Operating Hours and Services

We are open Monday through Friday from 9:00 AM to 5:00 PM, making it convenient for you to drop by during your busy week. At First Choice Community, we offer a range of banking services designed to meet your needs from personal checking and savings accounts to auto loans and mortgage refinancing. Need quick access to cash? Our ATM is readily available on-site for your convenience. Plus, we provide drive-thru banking options for simple transactions without leaving your vehicle. While members can visit us at 10210 Chapman Hwy, official correspondence should be sent to the same address as our mailing address is the same. If you have any questions or need assistance, don't hesitate to give us a call at 865-982-0075.

Member Eligibility

Joining First Choice Community is like becoming part of a close-knit family that truly cares about your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is open to individuals who live, work, or worship in the local community. This means if you're from around 10210 Chapman Hwy Seymour Tn 37865, you are likely already eligible! We strive to make banking accessible and straightforward for everyone, so don't hesitate to reach out if you have questions about your specific situation. Getting started is easy! You can find all the details about membership requirements at http://www.firstchoiceccu.org/membership.html , which outlines everything you need to know. Once you're ready to take the next step, opening an account is just as simple; check out our streamlined process at https://my.homecu.net/fi/fcccu/secure-forms/loan-application.html . For any inquiries, feel free to call us at (865) 982-0075 we're here to help!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not funded any commercial loans, we are eager to help businesses like yours find the financing they need to expand and succeed. With tailored loan options, you can invest in equipment, manage cash flow, or seize new opportunities without hesitation.

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine seamlessly processing payments while keeping track of sales all from one platform. This not only saves time but also helps you focus on what truly matters: running your business effectively. Located at 10210 Chapman Hwy Seymour Tn 37865 in Seymour, TN, we're here to provide personalized support for your business banking needs. Reach out to us at (865) 982-0075 to learn how we can partner with you on your journey toward success!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. With easy access to ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, you can handle transactions quickly without the hassle. Additionally, our basic ATM access offers quick withdrawals and balance checks whenever you need them.

Business Banking Support

For our business members, First Choice Community provides essential banking services including merchant services and business loans. We recognize that every business has unique needs, which is why our team is dedicated to helping you find solutions that suit your goals.

Connect with Us

If you're ready to explore these great services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (865) 982-0075 or visit us at 10210 Chapman Hwy Seymour Tn 37865 during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM. At First Choice Community, we're more than just a credit union; we're a community partner invested in your financial well-being. For more information on becoming a member or opening an account, check out our website. We look forward to serving you!

Personal Banking Made Easy

Our personal banking services are tailored to fit your lifestyle. If you're looking to open a new checking or savings account, we offer various options that can help you manage your money effectively. Need financing for your next vehicle? Our auto loans and vehicle financing solutions make it simple to get behind the wheel without breaking the bank. For those considering homeownership, our mortgage loans and refinancing options are here to guide you through the process, ensuring you find a plan that works for your budget. Additionally, if you're facing unexpected expenses, our personal loans and debt consolidation services can provide the support you need to regain control of your finances.

Rewards That Matter

We understand that credit cards can be a valuable tool when used wisely. That's why we offer credit cards with rewards, allowing you to earn points on purchases that matter most to you. It's just another way we strive to enhance your financial journey.

Digital & Online Banking

Key Services

Our online banking platform provides real-time account management, allowing you to check balances, view transactions, and pay bills with just a few clicks. Plus, for those who prefer paperless options, we offer e-statements that keep you updated without cluttering your mailbox. You can easily sign up for e-statements through our online portal. If you need to send money to family or friends, our person-to-person transfer feature makes it simple. You won't need cash or checks; just a few taps on your mobile device will do the trick. Speaking of mobile devices, our user-friendly mobile application is available for download, giving you access to all these features right in your pocket.

Security and Accessibility

Your security is our top priority. Although we do not currently support electronic signature authorization, our systems are equipped with robust security measures to protect your personal information and transactions. You can rest assured that every transaction is safeguarded. Navigating through our online services is easy and intuitive, ensuring that even those who aren't tech-savvy can manage their finances confidently. Whether you're making payments, checking balances, or simply browsing account details, we've made sure every step is straightforward. In a world where time matters, First Choice Community's digital and online banking services empower you to take control of your finances with ease and security. Join us today at https://www.firstchoiceccu.org/ and discover how convenient banking can be!

Financial Strength

Commitment to Growth

With $7,285,952 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 $622 in used auto loans and $21,379,210 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 7,211, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $40,816. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Choice Community is your trusted partner. Visit us at 10210 Chapman Hwy Seymour Tn 37865 or call (865) 982-0075 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.*

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $5,478,348 in share certificates and $2,857,565 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.

Solid Financial Health

With a net worth of $7,285,952, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,486 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 $9,748,426 in used vehicle loans and $2,261,833 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Credit Lines

In addition to traditional loans, we have credit lines available totaling $3,000,000. These lines of credit give you the flexibility to borrow as needed while only paying interest on what you use. It's a great way to ensure you have funds available for unexpected expenses or planned projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,194,985, make buying or refinancing simple. We are dedicated to assisting you throughout the process so you can feel confident in your investment.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for new ones, our team is ready to assist you. We can help evaluate your current situation and guide you toward the best solution that meets your financial needs. For more information about our loan products or to discuss your specific situation with one of our team members, please don't hesitate to call us at 865-982-0075. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At First Choice Community, we strive to empower our members with the resources they need for a stable financial future. Visit us today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $645,999 in loans helping members manage their finances effectively. Whether you need to make a big purchase or consolidate existing debt, our credit card options can provide the support you need.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 ensures that every loan offer displayed is both fair and transparent. Users can trust that they are viewing accurate information from legitimate financial institutions.

FIRST CHOICE COMMUNITY CREDIT UNION