• Routing #: 221376186
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  • 518-725-3191
  • Locations
  • Find ATM's
  • Rates
  • Contact Us
  • About Us
  • Show hidden items
    ...
  • Employment
  • Policies and Disclosures
  • Bank/Borrow
  • Newsletter
  • Management Team
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title

Security Warning: Unauthorized access or attempts to upload and/or change information on this website are strictly prohibited and subject to prosecution. It is our policy at First Choice Financial FCU to never request account and other confidential information via email. If you suspect an email message, or website to be of fraudulent activity, to be claiming to be affiliated with FCFFCU, and asking for confidential information, please contact us immediately at 518-725-3191.
Routing Number 221376186
kids graduation wedding
title


Our Unsecured loan options can bring you closer to your goals, whether it’s getting your degree, taking care of family expenses, the need to fund a big purchase, consolidate debt or just being prepared for the unexpected. 

Our personal loans feature:
Low, affordable rates
No application fees
No pre-payment penalties
title


Personal Loan

Whether you need cash for home improvements, to take a vacation, consolidate debt or to cover an unexpected expense, a Personal Loan may be the right option for you. This loan has a Fixed Rate with a Max term of 84 months. Loan terms exceeding 60 months require a loan amount of $15,000 or greater. Borrow up to $42,000 if credit qualified.

Current Rates     Apply Now
title


Personal Line of Credit (PLOC)

Open a line of credit to borrow what you need when you need it so you won’t have to apply for a new loan each time you have unexpected expenses. All members, if qualified, are eligible for a $10,000 line of credit. Joint account holders can apply to have a $20,000 line of credit on an account.

Current Rates     Apply Now
title


Variable Rate Share Secured Loan

Funds in your regular share accounts or certificate accounts may be used as collateral for loans at a lower rate than most other loans. The rate would be 3.00% plus the rate of your regular share or certificate. If rates change, your rate will increase or decrease with the lowest rate of 3.00%.

Current Rates     Apply Now
title


Overdraft Line of Credit

An Overdraft Line of Credit is a line of credit associated with a share draft (checking) account. The line of credit provides added share draft protection to ensure payment of important checks. All members, if qualified, are eligible for a $2,000 line of credit.

Current Rates     Apply Now
title




The total aggregate of all unsecured products will not exceed $42,000.
Minimum loan amount $500.
Share Secured Minimum Rate 3%. 
Rates based on credit qualifications and loan terms.
kids graduation wedding
title


Our Unsecured loan options can bring you closer to your goals, whether it’s getting your degree, taking care of family expenses, the need to fund a big purchase, consolidate debt or just being prepared for the unexpected. 

Our personal loans feature:
Low, affordable rates
No application fees
No pre-payment penalties
title


Personal Loan

Whether you need cash for home improvements, to take a vacation, consolidate debt or to cover an unexpected expense, a Personal Loan may be the right option for you. This loan has a Fixed Rate with a Max term of 84 months. Loan terms exceeding 60 months require a loan amount of $15,000 or greater. Borrow up to $42,000 if credit qualified.

Current Rates     Apply Now
title


Personal Line of Credit (PLOC)

Open a line of credit to borrow what you need when you need it so you won’t have to apply for a new loan each time you have unexpected expenses. All members, if qualified, are eligible for a $10,000 line of credit. Joint account holders can apply to have a $20,000 line of credit on an account.

Current Rates     Apply Now
title


Variable Rate Share Secured Loan

Funds in your regular share accounts or certificate accounts may be used as collateral for loans at a lower rate than most other loans. The rate would be 3.00% plus the rate of your regular share or certificate. If rates change, your rate will increase or decrease with the lowest rate of 3.00%.

Current Rates     Apply Now
title


Overdraft Line of Credit

An Overdraft Line of Credit is a line of credit associated with a share draft (checking) account. The line of credit provides added share draft protection to ensure payment of important checks. All members, if qualified, are eligible for a $2,000 line of credit.

Current Rates     Apply Now
title




The total aggregate of all unsecured products will not exceed $42,000.
Minimum loan amount $500.
Share Secured Minimum Rate 3%. 
Rates based on credit qualifications and loan terms.
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