First Choice Financial Broadalbin NY Credit Union | Affordable Vehicle Loans & Low Mortgage Rates

Introduction

At First Choice Financial, we believe in building a strong financial future for our members and the community. Located at 3677 State Highway 30, Broadalbin, NY 12025, our branch has been serving local families since 1972. With over 13,311 members and $182,296,970 in total assets, we are proud to be a trusted partner in your financial journey. Our commitment to exceptional service is reflected not only in our offerings but also in our leadership. Under the guidance of CEO Brenda Coon and Board President Melody Burton, we strive to create an environment where every member feels valued and supported. We understand that financial decisions can be overwhelming, which is why our dedicated team of 32 employees is here to assist you with everything from personal banking to auto loans. While you can reach us directly at 518-883-7156, please note that official correspondence should be sent to our mailing address: PO Box 232, Gloversville, NY 12078. With services ranging from checking and savings accounts to mortgage loans and credit cards with rewards, we cater to diverse financial needs. Our goal is simple: to empower you with the tools and knowledge necessary for achieving your financial goals. Join us at First Choice Financial and experience the difference of a credit union that truly puts its members first! Explore more about what we offer by visiting our website at fcfinancialcu.org. Let's work together towards a brighter financial future!

Branch History & Mission

Commitment to Innovation

We understand that convenience matters in today's fast-paced world. That's why we've embraced technology while ensuring ADA compliance for all our members. You can access online banking, mobile payments, and person-to-person transfers all designed with you in mind. Our drive-thru banking and ATM services offer additional flexibility for those on the go. As we look toward the future, we remain committed to evolving with your needs while staying true to our core values of service and community support.

Join Us!

Whether you're looking for a new bank or simply want to explore your options, we invite you to become part of our family at First Choice Financial. Experience firsthand the benefits of membership where you're not just another account number but part of a community that cares. For more information about joining us or exploring our services, please visit our website or call us at 518-883-7156. Together, let's build a brighter financial future!

Our Mission

At First Choice Financial, our mission is simple yet impactful: we aim to enhance the financial well-being of our members and the communities we serve. We do this by offering a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. We also provide business banking services, ensuring local businesses can thrive with the support they need. Our mission goes beyond just numbers; we believe in making a real difference in people's lives. We actively engage in community outreach programs and partnerships that foster growth and improve the quality of life for everyone in Broadalbin and surrounding areas. While members can visit us at 3677 State Highway 30, official correspondence should be sent to PO Box 232, Gloversville, NY 12078 if needed.

Branch Location & Accessibility

Connect With Us

Have questions? Our friendly staff is ready to assist you! Feel free to call us at 518-883-7156 for any inquiries or assistance you may need. While members can visit us at 3677 State Highway 30, official correspondence should be sent to PO Box 232 in Gloversville, NY. We invite you to stop by the Broadalbin Office of First Choice Financial today! Experience firsthand the personalized service that makes us a trusted partner in your financial success.

Easy Access and Parking

Parking is a breeze with plenty of spaces available right outside our doors. We also prioritize accessibility for all members; our branch features ADA-compliant ramps and pathways to ensure everyone can comfortably visit us. If you prefer to handle transactions quickly, our drive-thru banking service is available to streamline your experience.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your schedule. While our exact hours are currently being finalized, we strive to provide convenient banking solutions that fit into your day. At First Choice Financial, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you navigate your financial journey. You can also take advantage of our ATM services for quick cash withdrawals and balance checks.

Member Eligibility

At First Choice Financial, we believe that joining our community is a step towards better financial health and support. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our area. We warmly welcome individuals from diverse backgrounds and life stages to experience the benefits of membership. Once you're part of our family, you'll enjoy access to a range of financial services tailored just for you, including competitive loan rates and personalized banking options. To get started, all you need to do is visit us at our location on 3677 State Highway 30 Broadalbin Ny 12025 or give us a call at (518) 883-7156 for more information. If you're ready to take the plunge, you can find all the details about opening an account by visiting https://online.fcfinancialcu.org/auth/enrollment. We invite you to check out the complete eligibility criteria, ensuring you have all the information needed for a smooth application process. Join us today and take control of your financial future with confidence!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine being able to process payments seamlessly while focusing on what you do best running your business. With our merchant services, you can accept payments easily, manage transactions efficiently, and enjoy lower fees compared to traditional banks. By choosing First Choice Financial located at 3677 State Highway 30 Broadalbin Ny 12025 in Broadalbin, NY, you're not just getting financial products; you're gaining a partner invested in your success. Let us help you take your business to the next level! For more information, call us at (518) 883-7156 or visit our website at https://fcfinancialcu.org/.

Supporting Your Growth

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. Our services cater to various needs, from startup financing to equipment purchases.

Comprehensive List Of Services

Additional Services

We also cater to everyday banking needs with basic ATM access for balance checks and cash withdrawals. Our friendly staff is ready to assist with any questions during regular operating hours. At First Choice Financial, we aim to empower our members with all the tools needed for financial success. If you're ready to explore how we can support your financial journey, feel free to reach out at 518-883-7156 or visit us online at fcfinancialcu.org. We look forward to serving you!

Business Banking Solutions

For small business owners, our business banking services include merchant services and business loans that can help fuel growth. We recognize the hard work it takes to run a business and strive to support local entrepreneurs in achieving their dreams.

Credit Cards and Rewards

Don't forget about our credit cards with rewards, perfect for those who want to earn while they spend. Whether you're shopping for groceries or planning a vacation, every purchase brings you closer to exciting rewards.

Digital Banking Features

In today's fast-paced world, convenience matters more than ever. That's why at First Choice Financial, we provide robust online and mobile banking features. You can manage your accounts from anywhere at any time whether you're checking balances, making transfers, or paying bills. Plus, with our ATM availability and drive-thru banking for simple transactions like deposits and withdrawals, accessing your funds is hassle-free.

Loans and Financing Options

When it comes to financing, we understand that life can be unpredictable. That's why we offer auto loans and vehicle financing solutions that are designed with flexibility in mind. Picture yourself driving off in a new car without the stress of hefty payments hanging over your head. For those considering homeownership, our mortgage loans and refinancing options provide competitive rates and personalized service to guide you through every step of the process. If you need funds for other personal expenses or want to consolidate debt, our personal loans are there for you. They offer a straightforward way to get the cash you need without complicated terms.

Personal Banking Services

Whether you're looking to open a checking or savings account, we have options that can help you manage your day-to-day finances effectively. Imagine having your paychecks deposited directly into your account while you earn interest on your savings. Our personal banking services include not just basic accounts but also tools for budgeting and financial planning.

Digital & Online Banking

Key Services

Our online banking features include e-statements, allowing you to receive your financial statements electronically. This not only helps reduce paper clutter but also gives you immediate access to your account information whenever you need it. Plus, with our mobile application available for download, managing your finances on the go has never been simpler. Do you want to send money to friends or family quickly? Our person-to-person transfer service makes it easy to send funds directly from your account with just a few taps on your smartphone. And if you're out shopping, take advantage of our mobile payments feature for a fast and easy checkout experience.

Security and Convenience

Security is a top priority at First Choice Financial. While we currently do not offer electronic signature authorization, rest assured that all your transactions are protected with robust security measures. You can bank confidently knowing that your personal information is safe with us. In summary, whether you're using our online banking service or our mobile app, you'll find everything you need for real-time account management at your fingertips. Join us today at First Choice Financial and experience the convenience of modern banking!

Financial Strength

Commitment to Growth

With $19,546,761 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 noteworthy; with $936 in used auto loans and $86,054,785 in total loans and leases, we support members' financial goals across various sectors.

Growing Membership Trust

The strength of our community is evident with a total of 25,474 share accounts demonstrating that many trust us with their finances. Net Shares (Funds available for lending and investments): $1,776,742. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Choice Financial is your trusted partner. Visit us at 3677 State Highway 30 Broadalbin Ny 12025 or call (518) 883-7156 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $29,441,946 in share certificates and $46,580,457 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.

Operational Efficiency

Our $307,164 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 25 full-time employees and 7 part-time employees who are dedicated to providing exceptional service every day.

Solid Financial Foundation

With a net worth of $20,498,500, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.24% 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 $11,842,737 in used vehicle loans and $5,180,347 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your payments on an existing auto loan.

Credit Card Loans

We offer flexible terms on unsecured credit card loans, with a total of $2,655,454 in loans helping members manage their finances effectively. These cards can be a great tool for managing everyday expenses while building credit.

Credit Lines

For those looking for additional flexibility in their finances, our total credit lines amount to $42,747,778. This option allows you to borrow what you need when you need it without having to apply for a new loan each time. If you're interested in any of these products or want to explore eligibility options further, don't hesitate to reach out! You can call us at 518-883-7156 for more information or visit our website at First Choice Financial. 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 us help you take the next step towards financial freedom!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,934,611, make buying or refinancing simple. We guide you through the process every step of the way to ensure you find the right fit for your financial situation.

Loan Aggregator

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Ensuring 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). This commitment ensures that all offers presented are fair and transparent, allowing you to trust the information at hand.

FIRST CHOICE FINANCIAL FEDERAL CREDIT UNION - Broadalbin, NY

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