First Choice Financial Gloversville NY Credit Union | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to First Choice Financial, where we prioritize your financial well-being and community connection. Located at 355 Hales Mills Rd Ext, Gloversville, NY 12078, our branch has been a trusted partner for over 50 years since our establishment in 1972. With a dedicated membership base of 13,311 members and total assets exceeding $182,296,970, we are committed to providing personalized service that meets the unique needs of our community. While you can visit us at our main branch, we also accept official correspondence at PO Box 232, Gloversville, NY 12078. Our team is here to support you with a range of services from checking and savings accounts to auto loans and mortgage refinancing. We understand that navigating finances can be challenging, which is why we strive to make banking simple and accessible. Under the leadership of our CEO, Brenda Coon, and Board President, Melody Burton, First Choice Financial employs a dedicated team of 32 professionals who are ready to assist you every step of the way. Our commitment goes beyond just numbers; we aim to build lasting relationships with each member through transparency and trust. With total deposits of $17,621,407 and cash in hand amounting to $754,664, we ensure that your funds are secure while offering competitive rates on loans currently totaling 4,898 across various categories. We believe in empowering our members financially, whether it's through low-interest loans or innovative online banking options that make managing your money easier than ever. Are you ready to take control of your financial future? Visit us today or give us a call at 518-725-3191. Let First Choice Financial be your go-to resource for all your banking needs! For more information about our services and offerings, check out our website at fcfinancialcu.org. Your journey towards financial success starts here!

Branch History & Mission

Community Commitment

We recognize that being part of the community means more than just providing financial services; it's about building relationships and understanding what truly matters to those around us. Our drive-thru service offers convenience for quick transactions while maintaining a personal touch through face-to-face interactions whenever possible. We also provide ATM access for those who prefer self-service banking options. As we look toward the future, First Choice Financial remains dedicated to improving the lives of our members while contributing positively to Gloversville's growth and well-being. Join us today and experience the benefits of being part of First Choice Financial a credit union where your needs matter most! Call us at 518-725-3191 or visit us online at fcfinancialcu.org for more information on how you can become a member and start enjoying all that we offer!

Our Journey

From our humble beginnings nearly five decades ago, First Choice Financial has continuously evolved to meet the needs of our members. Initially focused on basic banking services, we have expanded our offerings to include a wide range of financial products such as auto loans, mortgages, personal loans, and business banking services. This journey reflects our dedication to not just being a financial institution but also a valuable partner in the lives of our members. As we moved forward, embracing technology became essential. Today, we proudly offer online and mobile banking options that allow our members to manage their finances conveniently from anywhere. We are also ADA compliant, ensuring that all individuals can access our services without barriers. With features like mobile payments and person-to-person transfers, we strive to make banking straightforward and accessible for everyone.

Our Mission

Our mission is simple yet profound: to provide financial solutions that empower individuals and strengthen the community. At First Choice Financial, we believe that everyone deserves access to quality financial services tailored to their unique needs. We are committed to supporting local initiatives and fostering partnerships that uplift our community. Whether it's through sponsorships or volunteer efforts, we actively engage with local organizations to make a positive impact. While members can visit us at our branch address of 355 Hales Mills Rd Ext, official correspondence should be sent to PO Box 232, Gloversville, NY 12078 if needed.

Branch Location & Accessibility

Welcome to First Choice Financial, your trusted credit union located at 355 Hales Mills Rd Ext in Gloversville, NY. We are here to serve you with a friendly atmosphere and convenient services right in the heart of Fulton County. Our branch is easily accessible for all members, whether you're stopping by for a quick transaction or seeking personalized banking advice. You can find us near popular local spots that make it easy to combine errands. Plus, our location offers ample parking and features like ADA compliance to ensure everyone can access our services comfortably. If you need assistance or have questions, our team is just a phone call away at 518-725-3191. Our lobby hours are designed with your schedule in mind: we're open Monday through Friday from 9:00 AM to 5:00 PM and even offer Saturday hours from 9:00 AM to 12:00 PM. For those on the go, take advantage of our drive-thru banking service available Monday through Thursday until 5:00 PM and Friday until 6:00 PM. We also provide ATM services for easy cash withdrawals and balance checks whenever you need them. While members can visit us at our branch address, official correspondence should be sent to PO Box 232, Gloversville, NY 12078. We invite you to come visit us at First Choice Financial where your financial journey begins! Whether you're looking for checking and savings accounts, auto loans, or other personal banking needs, we're here to help you every step of the way. Come see us soon!

Member Eligibility

At First Choice Financial, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the area. If you have family members who are already part of our credit union, you're eligible too! Joining us means gaining access to a range of personalized financial services designed to help you achieve your goals. You can explore all the details about eligibility by visiting our website. Ready to take the next step? Opening an account is a breeze! Just head over to https://online.fcfinancialcu.org/auth/enrollment and follow the easy instructions. If you have any questions or need assistance, feel free to give us a call at (518) 725-3191. We're here to support you every step of the way at our branch located at 355 Hales Mills Rd Ext Gloversville Ny 12078. Join us and experience the benefits of being part of something special!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

Managing payments shouldn't be a hassle. Our merchant services make it easy for you to accept payments from your customers, whether they are shopping online or in-store. Imagine a smooth checkout process that keeps your customers happy and coming back for more. Located at 355 Hales Mills Rd Ext Gloversville Ny 12078 in Gloversville, NY, our team is here to guide you through every step of your business banking journey. Contact us today at (518) 725-3191 to learn more about how we can support your business's financial needs!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Our branch features an ATM for easy withdrawals and balance checks. Plus, our basic drive-thru service is perfect for simple transactions like deposits and withdrawals without leaving your vehicle. At First Choice Financial, we're here to simplify your banking experience while providing essential services tailored just for you. If you have any questions or would like more information on how we can help with your financial needs, please don't hesitate to reach out at 518-725-3191 or visit us at fcfinancialcu.org. Let us be your trusted partner in financial success!

Business Solutions

For those venturing into business, we offer specialized services tailored for entrepreneurs. Our business banking solutions, including merchant services and business loans, are designed to support local businesses in their growth journey.

Credit Cards

Reward yourself with our credit cards with rewards program! Enjoy benefits that suit your lifestyle while building credit responsibly.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. With options like mobile payments and person-to-person transfers, accessing your accounts has never been easier.

Home Loans

When it comes to finding a place to call home, we know how important it is to have the right support. Our mortgage loans and refinancing services ensure that you have the resources needed for purchasing a home or lowering your current monthly payments. With personalized guidance through the mortgage process, we aim to make homeownership a reality for you.

Personal Banking

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances while also encouraging saving for future goals. If you're thinking about buying a new car or refinancing an existing one, our auto loans and vehicle financing options provide competitive rates and flexible terms to fit your budget.

Personal Financing

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options help you navigate these challenges without added stress. Whether it's funding a special occasion or consolidating existing debts into one manageable payment, we've got you covered.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter! Our e-statements feature allows you to receive your account statements electronically, making it easier to stay organized while also helping the environment. If you're always on the move, our mobile application is here to help. You can manage your accounts right from your smartphone, whether it's checking balances or making deposits.

Payments Made Easy

Need to send money to a friend? With our person-to-person transfer option, you can quickly and securely send funds without any hassle. Plus, if you're looking for an easy way to pay for things in-store or online, our mobile payments feature has got you covered just tap and go! At First Choice Financial, we strive to offer user-friendly tools that allow you to manage your finances effortlessly. Whether you're at home or out and about, our digital banking services provide real-time access and control over your accounts. Experience the ease of banking with us today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 25,474, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,776,742 further demonstrate our capability to support your needs. 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 355 Hales Mills Rd Ext Gloversville Ny 12078 or call (518) 725-3191 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 $307,164 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 25 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Member Services

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 supports members' financial goals across various sectors with $936 in used auto loans and $86,054,785 in total loans and leases.

Secure 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.

Strong Financial Health

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

Additional Services

In addition to these loan products, we also provide personal banking services such as checking and savings accounts and business banking options including merchant services and business loans. For those interested in refinancing or exploring eligibility options for any of our loan products, our friendly staff is available during lobby hours: Monday - Friday from 9:00 AM - 5:00 PM; Saturday from 9:00 AM - 12:00 PM (EST). You can also utilize our drive-thru services for quick transactions. 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 invite you to visit our website at First Choice Financial for more information or to start your application today! Whether you're looking for a new vehicle or planning your dream home purchase, First Choice Financial is here to provide the support you need every step of the way!

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 provide flexible terms and competitive interest rates that make financing your next vehicle straightforward and stress-free.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through each step.

Unsecured Credit Card Loans

We also 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 help you build credit while providing the purchasing power you need for everyday expenses.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 to quality means you receive fair and transparent offers every time you use the platform. One of the key benefits of LendMesh is its Verified Data. Loan offers are sourced only from legitimate financial institutions, which promotes trust and transparency in your financial decisions. Additionally, LendMesh operates with a clear policy of No Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the goal is to provide unbiased results that reflect the best options available for users. Another significant advantage is Real-Time Rate Comparisons. The platform updates loan rates from multiple institutions, helping users make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRST CHOICE FINANCIAL FEDERAL CREDIT UNION - Gloversville, NY

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