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 First Choice Credit Union West Palm Beach, FL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
First Choice Credit Union West Palm Beach, FL's Jumbo 60 Month CDs rates are at 4.35%, Jumbo Share & IRA CDs - 60 Month rates are at 4.35%, Jumbo 30 Month CDs rates are at 4.20%, Jumbo Share & IRA CDs - 30 Month rates are at 4.20%, Regular 60 Month CDs rates are at 4.09%. First Choice Credit Union West Palm Beach, FL's savings rates are at 3.40%. First Choice Credit Union West Palm Beach, FL's money market rates are at 0.10%. First Choice Credit Union West Palm Beach, FL's Personal Loan Rates are as low as 7.99%. First Choice Credit Union West Palm Beach, FL's Credit Card Rates are at 8.75%. MonitorBankRates evaluates the financial stability of First Choice Credit Union West Palm Beach, FL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.08%. Rates last updated and verified on 09/14/2026. First Choice Credit Union West Palm Beach, FL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Choice Credit Union West Palm Beach, FL? Share your experience about First Choice Credit Union West Palm Beach, FL by leaving a review below, or read customer reviews before you decide to use First Choice Credit Union West Palm Beach, FL. First Choice Credit Union West Palm Beach, FL
Main Office 1055 S Congress Ave
https://www.firstchoicecu.org West Palm Beach, FL 33406-5195 
First Choice Credit Union West Palm Beach, FL CD Rates
First Choice Credit Union West Palm Beach, FL Savings Rates
First Choice Credit Union West Palm Beach, FL Money Market Rates
First Choice Credit Union West Palm Beach, FL Home Equity & HELOC
First Choice Credit Union West Palm Beach, FL Auto Loan Rates
First Choice Credit Union West Palm Beach, FL Credit Card Rates
First Choice Credit Union West Palm Beach, FL Personal Loan Rates
First Choice Credit Union West Palm Beach, FL Other Rates
Financial Health HistoryFirst Choice Credit Union West Palm Beach, FL’s Texas Ratio stayed near 2.07% in Q2 2023 to 2.08% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Choice Credit Union West Palm Beach, FL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Choice Credit Union West Palm Beach, FL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Choice Credit Union West Palm Beach, FL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Choice Credit Union West Palm Beach, FL
Website
https://www.firstchoicecu.org
Address
1055 S Congress Ave,
West Palm Beach, FL 33406-5195
Phone
561-641-0100
Fax
561-641-7931
President
Rhonda Diffenbach
CEO
Michael Welte
Full-Time Employees
26
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.08%
Return on Assets (ROA)
0.0827%
Return on Equity (ROE)
0.7726%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
155,374,356
Total Amount of Shares and Deposits
141,573,363
Total Shares and Deposits < 1 Year
132,080,879
Total Shares and Deposits 1 3 Years
6,487,422
Total Shares and Deposits > 3 Years
3,005,061
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,086,407
Total Uninsured Shares and Deposits > $250K (F+J)
9,086,407
Total Insured Shares and Deposits > $250K (item 17 less item K)
132,486,956
Total Interest Expense (Sum of items 6 8)
444,103
Share Certificates
415
Number of Accounts for Share Drafts
5,922
IRA KEOGH Accounts
181
Number of Accounts for Regular Shares
9,306
Money Market Shares
377
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,969,648
Total Liabilities
142,768,725
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for First Choice Credit Union West Palm Beach, FL yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First Choice Credit Union West Palm Beach, FL
Frequently Asked Questions About First Choice Credit Union West Palm Beach, FLHow many branches does First Choice Credit Union West Palm Beach, FL operate?First Choice Credit Union West Palm Beach, FL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Choice Credit Union West Palm Beach, FL?Yes, to access services at First Choice Credit Union West Palm Beach, FL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Choice Credit Union West Palm Beach, FL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Choice Credit Union West Palm Beach, FL provides members with tools to manage their accounts and build a solid financial history. Does First Choice Credit Union West Palm Beach, FL offer online and mobile banking?Most modern institutions like First Choice Credit Union West Palm Beach, FL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstchoicecu.org. Current First Choice Credit Union West Palm Beach, FL Rates
Retrieved from our database of financial products. Rates subject to change.
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