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iAdvertiser Disclosure
Advertiser Disclosure
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 First Choice Financial Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 5, 2026
First Choice Financial Federal Credit Union's 5 Year IRA CD rates are at 3.67%, 5 Year CD rates are at 3.67%, 4 Year IRA CD rates are at 3.61%, 4 Year CD rates are at 3.61%, 2 Year IRA CD rates are at 3.56%. First Choice Financial Federal Credit Union's savings rates are at 0.10%. First Choice Financial Federal Credit Union's money market rates are at 0.30%. First Choice Financial Federal Credit Union's Personal Loan Rates are at 12.85%. MonitorBankRates evaluates the financial stability of First Choice Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.07%. Rates were last updated on 04/05/2026. First Choice Financial Federal Credit Union 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 Financial Federal Credit Union? Share your experience about First Choice Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Choice Financial Federal Credit Union. First Choice Financial Federal Credit Union
Main Building 355 Hales Mills Rd Ext
https://www.fcfinancialcu.org Gloversville, NY 12078 5703 
First Choice Financial Federal Credit Union CD Rates
First Choice Financial Federal Credit Union Savings Rates
First Choice Financial Federal Credit Union Money Market Rates
First Choice Financial Federal Credit Union Checking Rates
First Choice Financial Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Choice Financial Federal Credit Union 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 Financial Federal Credit Union 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 Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Choice Financial Federal Credit Union
Website
https://www.fcfinancialcu.org
Address
355 Hales Mills Rd Ext,
Gloversville, NY 12078 5703
Phone
518-725-3191
Fax
518-725-3236
President
Michael Rossi
CEO
Paul Naslund
Full-Time Employees
26
Part-Time Employees
9
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.07%
Return on Assets (ROA)
0.8871%
Return on Equity (ROE)
6.9935%
Non-Performing Loans Ratio (NPL)
1.54%
Total Assets
176,597,458
Total Amount of Shares and Deposits
155,570,685
Total Shares and Deposits < 1 Year
128,431,508
Total Shares and Deposits 1 3 Years
25,609,164
Total Shares and Deposits > 3 Years
1,530,014
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,990,249
Total Uninsured Shares and Deposits > $250K (F+J)
6,990,249
Total Insured Shares and Deposits > $250K (item 17 less item K)
148,580,436
Total Interest Expense (Sum of items 6 8)
1,644,093
Share Certificates
1,013
Number of Accounts for Share Drafts
8,045
IRA KEOGH Accounts
374
Number of Accounts for Regular Shares
11,904
All other shares
1,255
Money Market Shares
2,867
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,022,292
Total Liabilities
156,789,258
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Choice Financial Federal Credit UnionIs First Choice Financial Federal Credit Union a safe place to deposit money?Yes, First Choice Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.0702714804161%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Choice Financial Federal Credit Union operate?First Choice Financial Federal Credit Union 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 Financial Federal Credit Union?Yes, to access services at First Choice Financial Federal Credit Union, 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 Financial Federal Credit Union 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 Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Choice Financial Federal Credit Union offer online and mobile banking?Most modern institutions like First Choice Financial Federal Credit Union 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.fcfinancialcu.org. Current First Choice Financial Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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