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Join Who Can Be A Member Of 1st Choice? Our field of membership is open to all persons employed with our selected employer groups. | ||||
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Compare Is A Credit Union Like A Bank? In some ways, yes. We provide financial services for indivduals that are comparable with those offered by commercial banks. For instance, our Regular Share account is similar to a banks savings account and our Share Draft accounts work much like a bank checking account. Unlike banks, we are a non-profit Co-Op. | ||||
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Co-Op What Is A Credit Union? A credit union is a nonprofit, cooperative financial institution owned and run by its members. It is organized and incorporated to engage in economic activities with certain ideals of democracy, social consciousness, and human relations included. A cooperative provides services and benefits for its members in proportion to the use they make of their organization rather than earning profits for the shareholders as investors. | ||||
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Secure Is Our Money Safe? Absolutely! Credit Unions are strictly regulated financial institutions. In addition to regulatory examinations and independent audits, 1st Choice Federal Credit Union member's accounts are insured [up to $100,000] by the National Credit Union Association, a U.S. Government Agency. | ||||
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Home Equity Does The Credit Union Offer Mortgage Loans? Yes and no! Because we are not large enough to hold mortages 'in-house', we have formed a relatioinship with a mortgage banker/broker who has access to over 300 lenders! We chose to 'partner' with them because their philosophy is much the same as ours ... commitment to personal service. | ||||
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Online Services Does 1st Choice Offer Online Banking? Not at this time. We feel the tremendous cost does not outweigh the need for this convenience. Although the credit union is evaluating various technologies for future services, and will keep you informed of new developments as we move forward. | ||||
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Lifetime Savings Membership... A Family Tradition Family members and/or persons living in the same household with our current members are also invited to join the credit union. Membership with 1st Choice Federal Credit Union for life, no matter where you work or live in the future. | ||||
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