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Lobby Closed Until Further Notice

First Choice Credit Union (FCCU) is doing its part to “flatten the curve” by reducing social exposure to help slow the spread of the coronavirus.

Effective Wednesday March 18, 2020 we are closing our lobby at the Main Branch, we are closing our VA Branch. Effective Saturday March 28th, we will discontinue all Saturday services in our lobby and drive thru.

We will continue our normal drive-up hours for cash services. Our Call Center will be open normal hours. Online and mobile services will be available as usual.

We will continue to monitor the situation and keep you updated as to when we will re-open.  Thank you for your continued membership as we all work through this challenging time.  


Rental Property

Non-Primary Residence Second Mortgage Loan
You may be able to refinance an existing First Mortgage loan on your rental property or obtain a Second Mortgage loan. Loans are available for single family homes, townhouses, and condos. The property may be a vacation home, second home, or rental.

When we refinance an existing First Mortgage loan with our Second Mortgage loan you save money on closing costs and get a great rate. We call this the “We’re # 1 Loan”. We designed this loan for borrowers who were discouraged by the high closing costs to refinance a First Mortgage loan. There is still time while interest rates are still low to get 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 lower LTV
  • Quicker closing process

Because our loan interest rates are so low, we do require strong Loan to Value (LTV) ratios. The maximum LTV is 60% and is scaled down for lower credit grades as well as for condos and town homes.

Other Special Features of all Non-Primary Residence Loans:

  • No Points
  • Fixed rates
  • Convenience of automatic deduction of payments

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


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
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