Accidental Death and Dismemberment Insurance
The credit union provides all members over the age of 18 with $1,000 of free Accidental Death and Dismemberment Insurance (reduced to $500 when member reaches 70).

Any Hour Loan 24 hr Loan Service
Any Hour Loan makes applying for your next loan easier than ever before. When you need a loan, pick up your phone and dial 888-677-4363. It's that simple. A helpful Any Hour Loan operator will promptly help you complete your loan application by phone.

You can also receive current interest rate information and estimated loan payment amounts from Any Hour Loan operators. Any Hour Loan eliminate the need for you to apply in person or to have to wait to receive a loan application by mail. And, you can apply whenever it's convenient for you! Daytime, nighttime, at home or at work, it's your choice. After you've applied for your loan, the Credit Union will contact you promptly with an answer on your loan request. You can apply for a number of different types of loans by using Any Hour Loan

Apply by phone for any of these loans with Any Hour Loan:


  • New Vehicle Loans
  • Used Vehicle Loans
  • Recreational Vehicle Loans
  • Motorcycle Loans
  • Personal Loans
  • Home Improvement Loans
  • Mobile Home Loans
  • Overdraft Loans
  • Home Equity Loans
  • Personal Line of Credit
  • Visa Credit Card
Automobile Blue Book Information
Consult the Credit Union for the average retail value of an automobile so you can make an informed buying (or selling) decision.

Courtesy Pay Overdraft Service
This service allows us to pay an item presented for payment against your checking account, including ACH items, Internet Bill Payer items, debit card transactions, and ATM withdrawal items. You are required to "Opt In" the Courtesy Pay Overdraft Service if you want it available when making everyday debit card transactions, ATM withdrawals, or for direct deposited government items.  While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks more than you have in your account, or an inadvertent error causes the account to become overdrawn.

Courtesy Pay Overdraft Service adds up to $500 overdraft limit to your checking account. Both the amount of any overdrafts and applicable fees are included in this overdraft limit of $500. If you overdraw your account and you meet the Courtesy Pay Overdraft criteria, we may pay each check up to your $500 limit. Your account will be assessed a Courtesy Pay Overdraft charge of $30 for each item we pay against an overdrawn account.
  • There are many benefits to you with this new authorization.

  • You can avoid high charges from merchants for returned checks.

  • You have new convenience and flexibility managing your funds.

  • You avoid embarrassment of checks returned due to insufficient funds.

  • You have the added measure of safety protecting your good credit rating.


We require no applications or additional signatures from you to add this new safety measure to your checking account; eligibility is based on you managing your checking account in a responsible manner. If you have existing overdraft protection from your savings or line of credit, we will assess those funds for payment prior to Courtesy Pay Overdraft consideration. Checks presented to a teller are not eligible for Courtesy Pay Overdraft Service. Courtesy Pay Overdraft Service is simply a way for us to provide a higher level of service to our members by helping protect their account and reputation.

Direct Deposit
Have your paycheck, Social Security or pension check sent directly to your credit union account without delay. It's the safest, most convenient way to deposit your money.

Newsletters
Keep abreast of what's happening at the credit union by reading our quarterly newsletter.

Night Deposit Box
For deposits after hours.

Notary Public Service
Next time you need to have a document notarized, be sure to stop by the credit union office. It's free.

Payroll Deduction
If you are an employee on payroll, you can enjoy the convenience of payroll deduction. Through payroll deduction, you can make deposits to savings, IRA and club accounts - even make loan payments without ever entering the credit union office.

Touchtone Teller
Make transactions anytime, any day, from any touch tone phone. There is no fee to use the Touch Tone Teller.

Wherever you are, whenever you need to make transactions or get information on your accounts, just pick up the nearest touch phone. Dial 518-725-3191 and you've got a teller at your fingertips. The service is on us...easy to use...completely secure.

Travelers Cheques and Money Orders
Available at a nominal fee.

Visa Check Card
Visa Check Card - The ATM Card that works like a check.
With the First Choice Financial Federal Credit Union Visa Check Card, you can enjoy a whole new level of banking and shopping convenience. Now you can pay for your purchases without cash, without checks and without credit cards. At the same time, have quick and easy access to cash and your Fulton County Federal Credit Union checking account 24 hours a day. All with one amazing card!
Click here for more details


VisaVisa Credit Card
Apply for a Credit Union Visa Classic card or a VISA Platinum card with Rewards...both with a low rate (APR), no annual fee and credit lines available from $500 - $15,000.

Apply On-line: ref="http://fctfcu.org/disclaimer-loan-liner-cc.htm" target="_blank">Credit Card

Verified by Visa - Provides an extra level of protection for online (Internet) shopping.