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We continue to be open in the drive through for cash services, the Call Center, and all internet/mobile services. The lobby at the Main Branch continues to be closed. The VA Branch is closed. There are no Saturday hours. Please follow us on Facebook to view more frequent updates.

Home Equity Loans

We offer our members three great options to take advantage of the equity in their home. Our We’re #1 option allows you to pay off your existing first mortgage, our Home Equity Loan is perfect if you need all of the funds at once and our Home Equity Line of Credit works if you prefer to take the money as needed.

We’re #1 Loan (FCCU in 1st Lien Position)

You may be able to refinance your First Mortgage loan with a First Choice Home Equity loan and save a lot of money in closing costs and get a great rate. We call this the “We’re # 1 Loan”. We designed this loan for the many members who were discouraged by the high closing costs to refinance a First Mortgage loan. There is still time while interest rates are low to lock in a great rate.

Special Features of the We’re #1 Loan:

  • Low interest rates
  • Lower closing costs than a standard First Mortgage
  • No escrow requirement for the top three credit tiers
  • Quicker closing process
  • Terms up to 20 years

Home Equity


Qualified members can choose from 5, 10 and 15 year term. The shorter the term, the lower the interest rate. The minimum amount you can apply for is $10,000.00. The maximum would be up to $400,000*

Special Features:

  • No Points
  • Fixed rates
  • Possible tax deduction (Speak with your personal tax Advisor)
  • Convenience of automatic deduction of payments

Home Equity Line of Credit

Looking to keep your payment low while taking on a remodeling project, or college tuition or other investment – you are only required to pay interest during the initial five (5) year draw period. A First Choice Credit Union home equity line of credit can be the answer!

Line of Credit offers a draw period of five (5) years, interest only payments during the five (5) year draw period, and a subsequent repayment term of ten (10) years.

Special Features:

  • No Points
  • Low variable rates (based on prime)
  • Possible tax deduction (Speak with your personal tax advisor)
  • Convenience of automatic deduction of payments

For more information please call 561.641.0100. Or submit your application online.

*$400,000 if we are in first position and $200,000 if there is not a first mortgage on the property or any other lien holders on the property.

Mailing Address
1055 S. Congress Avenue
West Palm Beach, Florida 33406-5195

561.641.0100 Phone

Your savings are federally insured to at least $250,000 Your savings are federally insured by NCUA
Equal Housing Opportunity
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