First Choice Financial Gloversville NY Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to First Choice Financial, your trusted partner in navigating the world of personal and business finance right here in Gloversville, NY. Located at 329 S Kingsboro Ave, our branch has been serving the community since 1972. With a strong commitment to our members, we proudly support over 13,311 members by offering tailored financial solutions that fit their unique needs. At First Choice Financial, we understand that your financial journey is personal. That's why we have grown our total assets to an impressive $182,296,970, enabling us to provide a wide range of services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our dedicated team of 32 employees, led by CEO Brenda Coon and Board President Melody Burton, ensures that each interaction is warm and supportive. With total deposits amounting to $17,621,407 and total loans exceeding 4,898, we are well-equipped to help you achieve your financial goals. Whether you're looking for a new vehicle or need assistance with a mortgage refinance, we're here for you every step of the way. While members can visit us at our branch location, please note that our official mailing address is also available should you need it. For any inquiries or to learn more about how we can assist you, don't hesitate to reach out by calling us at 518-725-4413. Join us at First Choice Financial where your financial success is our priority! Visit our website at fcfinancialcu.org for more information or to start your account opening process today!

Branch History & Mission

Our Mission

At First Choice Financial, our mission is simple yet powerful: to provide exceptional financial services while supporting our community's growth and well-being. We believe in creating lasting relationships with our members by offering personalized solutions tailored to their unique financial situations. Whether you are looking for a loan to buy your first car or need assistance with budgeting for your future, we are here to help every step of the way. While members can visit us at 329 S Kingsboro Ave, official correspondence should be sent to our mailing address if needed. We pride ourselves on being more than just a financial institution; we are actively involved in local outreach initiatives and partnerships that strengthen our community ties. With operating hours designed for your convenience Monday through Wednesday and Saturday from 10:00 AM to 6:00 PM, and Thursday and Friday until 7:00 PM there's always a time that works for you to stop by or reach out via phone at 518-725-4413. We invite you to experience the benefits of membership at First Choice Financial. Join us today and discover how we can help you achieve your financial goals while being part of a supportive community! Visit us online at fcfinancialcu.org or click here to open an account now!

Branch Location & Accessibility

Welcome to First Choice Financial, your friendly neighborhood credit union located at 329 S Kingsboro Ave in Gloversville, NY. We understand that convenience is key, and our branch is easily accessible for all your banking needs. Nestled close to local landmarks, you can find us right near the vibrant downtown area, making it simple for you to stop by while running errands or enjoying a day out. At First Choice Financial, we pride ourselves on providing services that fit your lifestyle. While visiting us at our branch address, please note that if you need to send official correspondence, it should go to the same address as we do not have a separate mailing address. Our branch features ample parking and is designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably. Whether you prefer to walk in or use our ATM, we've got you covered! Speaking of ATMs, we're pleased to offer this convenient service right here at our branch. We know your time is valuable; that's why our lobby hours are designed to accommodate your busy schedule. You can visit us Monday through Wednesday and Saturday from 10:00 AM to 6:00 PM, or stop by on Thursday and Friday when we're open until 7:00 PM. Whether you're looking to open an account, apply for a loan, or simply ask questions about our services like personal loans and credit cards with rewards, our friendly staff is here to help. While we don't have drive-thru banking options at this location, we make sure that every visit is welcoming and efficient. With services ranging from checking accounts to vehicle financing and online banking options available, you'll find everything you need under one roof. So why wait? Come visit us at First Choice Financial today! If you have any questions or need assistance before your visit, feel free to give us a call at 518-725-4413. We look forward to serving you!

Member Eligibility

Becoming a member of First Choice Financial is like joining a family where your financial needs are truly understood and supported. If you live, work, or attend school in the local community, you're likely eligible to join us! We welcome individuals from various backgrounds, making it easy for you to access our range of services designed just for you. For more detailed information on eligibility criteria, feel free to visit our website. Once you're ready to take the next step, opening an account is simple and convenient. You can start the process online by visiting https://online.fcfinancialcu.org/auth/enrollment, or give us a call at (518) 725-4413 if you have any questions or need assistance. We're here to help you every step of the way at our branch located at 329 S Kingsboro Ave Gloversville Ny 12078. Welcome aboard we can't wait to serve you!

Business Banking & Commercial Services

Business Loans Tailored for You

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 That Make Sense

In addition to our loan offerings, we provide merchant services that can help streamline your operations. From payment processing solutions to online banking tools, we equip you with everything you need to manage your transactions efficiently and securely. Imagine being able to accept payments quickly and easily, allowing you to focus on what really matters growing your business. Visit us at 329 S Kingsboro Ave Gloversville Ny 12078 in Gloversville, NY, or call us at (518) 725-4413 for more information on how we can partner with you on your journey toward success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easier than ever. Picture yourself driving off the lot in your dream car while enjoying competitive rates and flexible terms. We understand that buying a vehicle is a significant decision, which is why our team is ready to guide you through every step of the process.

Business Banking

For our entrepreneur members, we offer business banking solutions including merchant services and business loans. If you're looking to expand or start a new venture, we have tools and resources that can help make those dreams come true.

Convenient Access

With an ATM available at our branch, withdrawing cash has never been easier. Need assistance outside of regular hours? Our online and mobile banking features allow you to manage transactions whenever it suits you best. You can also enjoy person-to-person payments, making it simple to send money directly from one account to another. At First Choice Financial, we understand that managing finances should be straightforward and accessible. Whether you're in Gloversville or beyond, we're here for all your banking needs. For more information about our services or to get started today, please give us a call at 518-725-4413 or visit us online at fcfinancialcu.org. Join us in achieving your financial goals!

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that let you earn points for everyday purchases! Think about how nice it would be to receive benefits simply for using your card for things you already buy.

Mortgage Loans & Refinancing

If homeownership is on your radar or you're considering refinancing, we offer mortgage loans that fit various budgets. Imagine turning that house into a home with a mortgage tailored just for you. Our experienced staff will work closely with you to find the best solution based on your financial situation.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are here to help you manage your finances efficiently. Imagine having easy access to your funds and knowing exactly where your money goes each month. With our user-friendly online and mobile banking options, you can check your balance, transfer money, and even pay bills right from your smartphone or computer.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation options to help you navigate those challenges. Whether it's medical bills or home repairs, we aim to ease your financial burden so you can focus on what truly matters.

Digital & Online Banking

Anytime Access and User-Friendly Experience

Our commitment to service extends to providing 24/7 online banking, so you can manage your finances whenever it suits you best. Whether it's early morning or late at night, your accounts are always accessible. We also prioritize user-friendliness; there's no complicated setup required for most features. Just log in to our online banking site or use our mobile app to take control of your finances effortlessly. At First Choice Financial, we believe in empowering our members with accessible tools and resources. Start enjoying the benefits of digital banking today and experience how easy managing your money can be!

Key Features of Our Online Banking Services

With just a few clicks, you can access your accounts through our online banking portal. Whether you're checking balances, transferring funds, or paying bills, everything is designed for simplicity and efficiency. Plus, our mobile application makes it even easier to bank on-the-go. For those who prefer paperless options, we offer e-statements, allowing you to receive your account statements electronically. This not only helps you stay organized but also contributes to environmental sustainability. Additionally, enjoy the freedom of mobile payments and person-to-person transfers. Send money to friends or family with ease no need for cash or checks! And when it comes to security, rest assured that your transactions are protected with industry-standard measures.

Financial Strength

At First Choice Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to serving our community, we ensure that your savings and investments are in capable hands. 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. 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. This is highlighted by the fact that there are no non-member deposits at this time ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $19,546,761 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is further demonstrated by having $93,600 in used auto loans and $86,054,785 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our ability to generate income effectively; currently standing at $0 net income. Even so, we proudly employ 25 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. In total, we manage 25,474 share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,776,742, reinforcing our capability to support your financial 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 329 S Kingsboro Ave Gloversville NY 12078 or call 518-725-4413 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 $11,842,737 in used vehicle loans and $5,180,347 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier for you to drive away with confidence.

Credit Lines

For those who require additional flexibility, our credit lines totaling $42,747,778 offer easy access to funds whenever you need them. This can be an excellent option for unexpected expenses or large purchases without the hassle of applying for multiple loans.

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 are committed to guiding you through the mortgage process, ensuring you find the right solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing existing loans or checking your eligibility for any of our products, we're here to help! Our team can assist you in exploring refinancing options that may lower your monthly payments or reduce your interest rates. At First Choice Financial, we pride ourselves on offering personalized service tailored to each member's unique situation. Whether you're interested in an auto loan, mortgage loan, unsecured credit card loan, or credit line, our knowledgeable staff is ready to assist you every step of the way. For more information about our loan offerings or to discuss which product might be best for you, please visit us at 329 S Kingsboro Ave Gloversville Ny 12078 in Gloversville, NY, or give us a call at (518) 725-4413. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why 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, our credit cards come with features designed to support your spending needs while keeping your finances in check.

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. This transparency in comparing loan offers helps consumers make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. These standards are based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to reliability means users can trust that the information they receive is up-to-date and accurate. One key benefit of using LendMesh is its focus on verified data. Loan offers come exclusively from legitimate financial institutions, which promotes transparency throughout the comparison process. Additionally, LendMesh maintains a strict policy against sponsored listings; lenders are not prioritized based on paid promotions, ensuring that users receive unbiased results. Real-time rate comparisons set LendMesh apart. Users can access current loan rates from multiple institutions, allowing them to evaluate their options quickly and effectively. Thousands of users have already benefited from this tool. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone seeking a reliable way to compare loans, LendMesh stands out as a trustworthy resource. Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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

Compare Loan Rates Near You

Loan rates in Gloversville, NY (12078)