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1ST CHOICE ONLINE |
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Homepage |
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COMMUNICATIONS |
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24*7 Access |
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Calendar |
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Contact Us |
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Savings Share Savings Account Regular savings account. Dividends earned on balances of $250 or more. A minimum balance of $50 is required in a share account to maintain a current and active status. | |||
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Christmas Club Christmas Club Account A seperate 'savings account' where funds accumulate for holiday shopping, vacations, tax impounds or whatever. Dividends earned immediately, no minimum balance. Disbursement of funds automatically generated on or about November 1st each year. | ||||
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CD's Certificate Of Deposit (CD's) We offer two tiers of certificates. $1,000 (min) to $9,999. And $10,000 to $100,000. Each is available for six (6) months or twelve (12) months. Early withdrawal penality applicable. | ||||
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Kids Club Children's Savings Club Regular share savings account (in child's name). Requires $50 balance to maintain current and active status. The penguine club is designed for kids age 12 and under. They will periodically receive mailings of the Penguine Press along with seasonal fun stuff - its a 'grab bag' surprise! | ||||
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Checking Share Draft (Checking Account) Regular checking account. No monthly fee, no minimum balance. Does not earn dividends. May be linked with any ACH transaction for automatic funds transfer. | ||||
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Debit Card Debit Card (With Share Draft Acct) The debit card must be 'linked' to a share draft account. There is no annual fee and no 'per transaction' fee. Cash advances are handled differently. | ||||
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Overdraft Protection Overdraft Protection We offer two types of overdraft protection. 1) Funds are transfered directly out of your regular share savings account. 2) Apply for an actual overdraft loan. This loan covers overdrafts as they occur, then pays off automatically from the share draft account at month end. | ||||
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Direct Deposit Direct Deposit Funds from any source can be deposited directly into any of your share accounts. This is a safe and secure way to ensure immediate availability of funds. | ||||
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Payroll Deduction Payroll Deduction Funds can be automatically deducted from your paycheck and deposited lump sum or divided in any amounts to your share draft, regular savings, holiday club or childrens account. Most of our selected employer groups participate in this program. | ||||
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VISA VISA Card There is no annual fee for our VISA card. Purchases and Cash Advances are treated equally and charged the same low interest rate of 9.9%. Automatic payment transfer from your share draft or regular savings can be set up upon request. | ||||
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Loans Personal And Auto Loans Loan applications are available at both offices. Each credit union rep also has applications when on-site at hospital facilities. You may also contact the office for a faxed copy. No pre-payment penalities. | ||||
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Payment Transfers Automatic Loan Payment Transfer Loan payments [and VISA payments] can be automatically deducted from your share savings or share draft account. This can be done monthly or biweekly upon request. | ||||
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Audio Response Automated Account Access (24*7) Our audio response system allows you access to your account 24 hours a day, 7 days a week. The ability to transfer funds, check balances, verify cleared drafts and generate a check are just a few of the options available. | ||||
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Home/Equity Loans Mortgage Services 1st Choice has formed a relationship with a mortgage banker/broker who has access to over 300 lenders in the industry. As a service to our members, the credit union assists with collecting all needed paperwork and completing initial application. | ||||
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Travelers Cheques American Express Travelers Cheques We offer travelers cheques in various denominations. Cheques requested with a double signature (two members signing) are charged a one percent (1%) service fee. Single signature cheques are issued at no charge. These cheques are only available at your Castro Valley Office. | ||||
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Tickets Theme Park Discount Tickets We offer discounts to a varity of attractions through out the Bay Area and California. Compared to 'at the door' prices, your savings can be huge! Actual discount tickets can be purchased for: Great America, Santa Clara ~ Marine World, Vallejo ~ Oakwood Lake, Manteca ~ Raging Waters, San Jose ~ Water World, Concord. | ||||
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Misc Info Consumer Information The credit union has copies of the Federal Consumer Information Catalog which offers a wealth of information from government sales to the metric system! This Catalog contains 'free and low-cost information from Pueblo, CO.' | ||||
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Costco Costco Wholesale Membership As a member of the credit union, you are eligible to become a Costco member as well. Pick up an application in one of our offices or contact your credit union rep when on-site at your facility. | ||||
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