Total Choice Credit Union La Place LA | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Total Choice, your trusted partner in financial well-being located at 100 Palmetto Dr, La Place, LA 70068. Since our establishment in 1976, we've been dedicated to serving our community and fostering a culture of trust and reliability among our members. With a robust membership base of over 5,610 individuals, we pride ourselves on being a community-focused credit union that understands the unique needs of our members. At Total Choice, we believe that everyone deserves access to quality financial services. Our total assets stand strong at $60,709,452, allowing us to offer a variety of products designed to help you achieve your financial goals. Whether you're looking for a new auto loan, personal banking solutions, or business banking services, we're here to support you every step of the way. Our total deposits amount to $3,188,091, reflecting the trust that our members place in us. Led by CEO Anna Meyer and Board President Mary Champagne, our team is committed to providing exceptional service and personalized attention. With a dedicated staff of 17 employees, we are always ready to assist you with your banking needs. We also offer convenient features like online banking and drive-thru services for added accessibility. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 100 Palmetto Dr, La Place, LA 70068-6413. If you have any questions or need assistance, feel free to reach out at 985-651-2510. Join us at Total Choice today and experience the difference of being part of a credit union that truly cares about its members! For more information on how you can become a member or open an account, visit our website at Total Choice FCU. Let's work together towards achieving your financial dreams!

Branch History & Mission

Community Engagement

Total Choice actively participates in local outreach programs designed to give back to the La Place community. We partner with various organizations to support education initiatives and economic development projects. Our drive-thru banking option enhances convenience for those on-the-go while maintaining essential face-to-face interactions for more complex transactions. We invite you to join Total Choice today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. Visit us or call us at 985-651-2510 we're excited to assist you on your financial journey!

Our Mission

The heart of Total Choice lies in our mission: to enhance the lives of our members through exceptional financial services and steadfast support for community initiatives. We believe that when our members thrive, so does our community. We aim to provide accessible banking options that include personal checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and more. While members can visit us at 100 Palmetto Dr, official correspondence should be sent to our mailing address at 100 Palmetto Dr, La Place, LA 70068-6413. We are dedicated to ensuring every interaction is beneficial and fulfilling for each member. In addition to traditional banking services, we embrace technology with features like online banking and mobile applications, making it easier for you to manage your finances anytime and anywhere. Our branch is fully ADA compliant, ensuring that all members can access our facilities without barriers.

Branch Location & Accessibility

Accessibility Features

At Total Choice, we believe in making banking accessible for everyone. Our branch features ADA-compliant facilities, including ramps and designated parking spots for those who need them. Whether you prefer walk-in service or utilize our drive-thru banking option, we've got you covered.

Convenient Location

You'll find us right off Palmetto Drive, making it easy to stop by while you're out running errands or visiting nearby landmarks. Our branch is just a short drive from popular spots like the LaPlace Park and the local shopping centers, so you can easily fit your banking needs into your day.

Operating Hours

We know that life can get busy, which is why we're open Monday through Friday from 9:00 AM to 5:00 PM. These hours allow you to drop by at your convenience, whether it's before work or during lunch breaks.

Services Offered

When you visit our La Place office, you'll find a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you make the best choices for your financial future. Plus, with ATM availability on-site and basic drive-thru banking services for deposits and withdrawals, we strive to keep things simple and efficient. While members can visit us at 100 Palmetto Dr, official correspondence should be sent to our mailing address at 100 Palmetto Dr, La Place, LA 70068-6413. If you have any questions or want more information about how we can assist you today, please don't hesitate to give us a call at 985-651-2510. We look forward to welcoming you into the Total Choice family!

Member Eligibility

At Total Choice, we believe in building a community where everyone feels welcome and supported. Becoming a member is as easy as connecting with us! If you live, work, worship, or attend school in St. John the Baptist Parish, you're likely eligible to join our family. This means that whether you're just starting out or looking for a trusted financial partner, we're here for you. We offer a range of benefits that make banking simpler and more rewarding, from personal loans to competitive savings accounts. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at http://www.totalchoicefcu.com/become-a-member. If you're ready to take the next step toward membership, opening an account is straightforward! Just visit us at http://www.totalchoicefcu.com/loan-application or give us a call at (985) 651-2510 if you have any questions. We're located at 100 Palmetto Dr La Place La 70068, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans funded for members or non-members, we believe in the potential of local businesses and look forward to offering commercial loan options soon. When available, these loans can provide essential funding for equipment purchases, inventory expansion, or even operating capital during slower months.

Merchant Services That Make a Difference

In addition to loans, Total Choice offers merchant services that help streamline daily operations. Imagine having a reliable payment processing system that allows you to accept payments easily and securely. This means less hassle for you and a better experience for your customers. Whether you're accepting credit cards or mobile payments, our merchant services are designed to fit your unique needs. If you're looking for personalized business banking solutions in La Place, LA, visit us at 100 Palmetto Dr La Place La 70068 or give us a call at (985) 651-2510. Let's work together to build your business's future!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer face-to-face interactions or need quick access to cash, we have an ATM available for easy withdrawals and balance checks. Our Basic Drive-Thru Banking service allows you to handle deposits and simple transactions without leaving your vehicle ideal for busy days! At Total Choice, we strive to ensure that banking is as convenient as possible for all our members in La Place and beyond. Our friendly team is always ready to assist you in navigating through the various services we offer. If you're ready to take the next step towards better banking solutions or simply want more information about what we can do for you, give us a call at 985-651-2510 or visit us online at Total Choice. We look forward to serving you!

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances from anywhere at any time. You can easily check balances, make transfers, and pay bills all with just a few clicks on your phone or computer.

Credit Cards and Business Banking

For those looking to earn rewards while spending, our Credit Cards with Rewards program is perfect for everyday purchases. Additionally, if you're a business owner, our Business Banking services include Merchant Services and Business Loans tailored specifically for small businesses in our community.

Personal Banking Solutions

We offer various Personal Banking options including Checking & Savings Accounts that cater to daily financial needs. Imagine having a secure place for your money while earning interest on your savings. With us, you can also explore Auto Loans & Vehicle Financing options that make purchasing a new car easier than ever. Our team is here to guide you through the process, ensuring you find a loan with terms that fit your budget. If you're considering homeownership or want to refinance your current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized assistance. We understand that every member's journey is different; therefore, we also offer Personal Loans & Debt Consolidation solutions to help manage expenses or consolidate debt into one easy payment.

Digital & Online Banking

24/7 Access

With 24/7 online banking services at Total Choice, you have control over your finances whenever it suits you. Our system is designed for real-time account management so that you can stay updated on all transactions and balances without any delays. We believe that banking should be accessible and straightforward for everyone. At Total Choice, we're committed to providing you with the tools you need for effective financial management while ensuring a safe banking experience every step of the way. Explore all that our digital banking services have to offer today!

Key Services Available

With our online banking services available at https://www.totalchoicefcu.com/, you can check your account balances, transfer funds, and pay bills with just a few clicks. Our platform is user-friendly and secure, ensuring that your financial information stays protected while you manage your money efficiently. Need to sign documents quickly? Our electronic signature authorization feature allows you to complete transactions without the hassle of printing or mailing paperwork. Plus, with e-statements available, you can go paperless and view your account statements online whenever you need them. For those who prefer banking on their mobile devices, our mobile application is here to help. You can easily monitor your accounts, deposit checks remotely, and keep track of your spending all from the palm of your hand. Although we currently do not offer mobile payments or person-to-person transfers, we continue to enhance our services to meet your needs.

Financial Strength

At Total Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength is built on solid foundations, ensuring that you can trust us with your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $4,631,708, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This is complemented by our net worth ratio of 7.63%, which 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 $5,873,442 in share certificates and $915,090 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,478,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,063,572 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 $269 in used auto loans and $20,898,991 in total loans and leases. Our operational efficiency is highlighted by our net income of $-$26,385, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With total share accounts numbering 8,862, we show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Total Choice is your trusted partner. Visit us at 100 Palmetto Dr La Place La 70068 or call (985) 651-2510 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $4,649,531 in used vehicle loans and $7,198,841 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, we have financing solutions that can fit your budget.

Credit Lines and Refinancing Options

For those looking for additional flexibility in managing their finances, we provide total credit lines amounting to $6,825,000. Additionally, if you're considering refinancing an existing loan or exploring eligibility options for our various products, our team can guide you through the process efficiently. At Total Choice, we're dedicated to providing financial solutions that work for you. If you have any questions or need assistance with the application process, don't hesitate to reach out! You can contact us at 985-651-2510 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. 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 control of your financial future today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,061,130. This means you can take that important step toward owning your own home with confidence.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $2,595,519 in loans helping members manage their finances effectively, our credit cards come with features designed to make everyday spending easier and more rewarding.

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TOTAL CHOICE FEDERAL CREDIT UNION - La Place, LA

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