Generated by All in One SEO Pro v5.0.0.1, this is an llms-full.txt file, used by LLMs to index the site. # First Choice Credit Union Everyday low rates and exceptional service to our members! ## Pages ### [Homepage](https://www.firstchoicecu.org/) **Published:** September 23, 2023 **Author:** Josh Marruffo **Content:** Debit Card Round-Up Save BIG and Effortlessly! Make big dividends from rounded-up transactions! With its incredible 10% APY, you can easily save for large purchases or splurges of any kind! [Learn More](https://www.firstchoicecu.org/roundup-savings/#anniversary-round-up) Early Pay is Available Get your check up to 2 days early with fCCU direct deposit When FCCU receives notice of an incoming direct deposit, we'll release the funds to you right away. That means you get your money faster, without waiting until the scheduled payday! [Learn More](https://www.firstchoicecu.org/early-pay/) It’s On the House! Turn your home’s equity into completed projects and save! [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) FCCU has your back through ups and downs Lower overdraft fees for those unplanned setbacks. We Have a Loan for Whatever Moves You Get the FCCU best value guarantee. [Apply Now](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6cV2paybPvY2C7TQhAXqQbm_5go0op-WzjyVcp7iZ_cE) [Learn More](https://www.firstchoicecu.org/auto-loans/) Who better to Share Success with? Refer your friends and family to FCCU! Or rather, leave us a review on Google or a testimonial of your experience with us on our Testimonials page! [Learn More](https://www.firstchoicecu.org/member-testimonials/) ![]( "Copy of Insta 9-24-25") ![Slider Lines - Decoration]( "Slider_lines") ![]( "early-pay-banner1.png") ![Man holding up a MasterCard]( "FCCU 8/21-9/15 – 13") ![Happy Family]( "Slider_image-1") ![Happy family]( "deposit_savings") ![Woman laying her head on steering wheel]( "Borrow_auto loans") ![Co workers talking]( "resources_member testimonials") ![Man looking at their laptop with a credit car]( "Close-up senior man pays bills with credit card") ![Business people waving]( "new member referral form_header image") ## Browse our banking services and offerings At First Choice Credit Union, we put you first. ### [Auto Loans](#8e164adee282ae5db) Get prequalified today and drive your new car tomorrow! [Learn More](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQ1Vqe9Yhom8LnMC9vW0WcEpxeAxH-bA01vyR0Ujp5zoU) ### [Home Equity/HELOC](#dc9ef7e4070b6a989) Remodel? New Home? Dream Vacation? Mortgage Refinance? All are available at FCCU. Start today with just a [CLICK](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=+vlheplst&referralsource=website)! ### [Rates](#79a80963b4c55d9b9) See the great [FCCU rates](https://www.firstchoicecu.org/rates/) for the loan you need or to make your savings go farther! ### [Mortgage](#94e89895a7295420d) Members of First Choice Credit Union have access to the mortgage professionals at US Mortgage of Florida. For more information or to get your pre-approval process started\*, please contact our Mortgage Service Planner, Tony Acquaviva with US Mortgage of Florida at **(561) 886-0300**. [Learn More](https://www.firstchoicecu.org/mortgage/) ### [Join FCCU](#4c5c2487429744b42) What’s the best thing about FCCU? [Join us and find out!](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6UmlXNvwH_P1VBaZCmrv-tA) *(Hint: It includes great rates, personal service, and easy access to your accounts!)* [](https://calendly.com/firstchoicecu/videobanking?back=1&month=2023-11)### [Video Banking ](#6fccf27567b3dc530) First Choice Credit Union now offers convenient appointments by Video. Schedule your appointment today! [Video Banking Appointment Link ](https://calendly.com/firstchoicecu/videobanking?back=1&month=2023-11) ## ### First Choice Credit Union Is Here For You - Exceptional Value. - Clear Guidance. - Service You Want. - Products You Need. [Learn More About FCCU](https://www.firstchoicecu.org/about-fccu/) ![Happy family](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_savings.jpg "deposit_savings") ## Value Checking No overthinking required. Great value! [Learn More](https://www.firstchoicecu.org/checking/) Download Now ## Manage your FCCU accounts on the go! [![Apple App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/app-store-desktop.png)](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) [![Google Play App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/google-play-desktop.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) ![FCCU App](https://www.firstchoicecu.org/wp-content/uploads/2023/09/On-The-Go_mobile-banking.jpg "On The Go_mobile banking") [![Apple App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/app-store-desktop.png)](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) [![Google Play App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/google-play-desktop.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/visa/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) # Loan Application Life comes fast. Be prepared with an FCCU loan. [Apply Now](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=+vlheplst&referralsource=website) --- ### [Privacy Policy](https://www.firstchoicecu.org/privacy-policy/) **Published:** September 22, 2023 **Author:** Josh Marruffo **Content:** # Privacy Policy and Disclosure **The following is the Privacy Notice and Disclosure for First Choice Credit Union** At First Choice Credit Union, we are committed to protecting our members’ privacy and it is our stated intent to comply with the NCUA Privacy Rules and all other applicable privacy provisions. FACTS: WHAT DOES FIRST CHOICE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? WHY?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all of the sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. WHAT?The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security Number and income - Account balances and payment history - Credit history and credit scores When you are no longer our member, we continue to share your information as described in this notice. HOW?All financial companies need to share members’ information to run their everyday business. In the section below, we list reasons financial companies can share their members’ personal information; the reasons First Choice Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your informationDoes the Credit Union share?Can you limit this sharing?**For our everyday business purposes** – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYESNO**For our marketing purposes** – to offer our product and services to youYESNO**For joint marketing with other financial companies**YESNO**For our affiliates’ everyday business purposes** – information about your transactions and experiencesNONO**For our affiliates’ everyday business purposes** – information about your creditworthinessNONO**For non-affiliates to market to you**NONO To limit our sharingCall 561-641-0100 **Please Note:** If you are a new member, we can begin sharing your information 7 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions?Call 561-641-0100 Visit www.First Choicecu.org, or write to us at: 1055 S. Congress Avenue, West Palm Beach FL 33406 Who we are**Who is providing this notice?**First Choice Credit Union Who we do**How does First Choice Credit Union protect my personal information?**To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings**How does First Choice Credit Union collect my personal information?**We collect your personal information, for example, when you - Open an account or deposit money - Pay your bills or apply for a Loan - Use your credit or debit card We also collect your personal information from other companies. **Why can’t I limit all sharing?**Federal law gives you the right to limit only - Sharing for affiliates everyday business purposes – information about your creditworthiness - Affiliates from using your information to market to you - Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights limit sharing. **What happens when I limit sharing for an account I hold jointly with someone else?**Your choice will apply to everyone on your account. Definitions**Affiliates**Companies related by common ownership or control. They can be financial and nonfinancial companies.**Nonaffiliates**Companies not related by common ownership or control. They can be financial and nonfinancial companies.**Joint Marketing**A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - Financial companies include such companies as CUNA Mutual ## **SMS Privacy Policy** **“Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party and affiliates for marketing purposes.”** **SMS Terms & Conditions** **1- SMS Consent Communication:** The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties and affiliates for marketing purposes. **2- Types of SMS Communications:** If you have consented to receive text messages from First Choice Credit Union, you may receive messages related to the following: - Account notifications - Fraud and security alerts - One-time multi-factor authentication (MFA) passcodes - Debit and credit card activity verification alerts - Online Banking, Mobile Banking, and Zelle® activity alerts - Loan application updates - Loan servicing updates - Payment reminders - Appointment reminders - Service announcements - Marketing or promotional messages ***Example:*** *“Hello, We’re sending a cordial reminder that your Certificate of Deposit is approaching maturity and wish to offer you some new options for your funds. You can reply STOP to opt out of SMS messaging from First Choice Credit Union at any time.”* **3- Message Frequency:** Message frequency varies based on your account activity and services. Message and data rates may apply according to your wireless carrier’s plan. Wireless carriers are not responsible for delayed or undelivered messages. **4- Potential Fees for SMS Messaging:** Please note Domestic or international data rates may apply according to your wireless carrier’s plan. **5- Opt-In Method (Consent):** You may opt in to receive SMS messages from First Choice Credit Union by any of the following approved methods: - Signing a First Choice Credit Union SMS Consent Form. • Responding with “YES/Y” to an SMS enrollment message after initiating a text conversation with First Choice Credit Union. • Texting “START” to 561-641-0100 **6- Opt-Out Method:** You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. After opting out, you may receive one final confirmation message. Alternatively, you can contact us directly to request removal from our messaging list. **7- Help:** If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at (561)-641-0100 or by email at . **Additional Options:** - If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms. **8- Standard Messaging Disclosures:** - Domestic or international data rates may apply according to your wireless carrier’s plan. - You can opt out at any time by texting “STOP.” - Message frequency may vary - For assistance, text “HELP” or email - View FCCU privacy policy - View FCCU SMS Terms of Service ## Website Privacy Policy **The following is the Web-Site Privacy Policy for First Choice Credit Union.** First Choice Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information. If you visit our website, First Choice Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership. If you send an e-mail, First Choice Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed. If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables First Choice Credit Union to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties. If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy. FCCU Mobile Banking periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.) ## Notices, Terms & Conditions ### Notice 1: To assist members in accessing information not maintained on this site, the Credit Union provides links to other internet addresses. Be advised that by clicking on any link to other internet addresses, 1) you are leaving the Credit Union’s website, 2) you are linking to an alternate website not operated by the Credit Union, 3) the Credit Union is not responsible for the content of the alternate website, 4) the Credit Union does not represent either the third party or the member if the two enter into a transaction, and 5) privacy and security policies may differ from those practiced by the Credit Union. ### Notice 2: Opening New Accounts: To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you? We will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. ### Notice 3: First Choice Credit Union will NEVER solicit its members by email requesting personal information, passwords, or account information such as your credit card number, ATM PIN, or Social Security number. --- ### [Welcome](https://www.firstchoicecu.org/welcome/) **Published:** October 6, 2023 **Author:** Josh Marruffo **Content:** ## Welcome to First Choice Credit Union! ## Getting Started with your New Membership! ### Getting Started: 1. Review all our disclosures anytime here: 2. Enroll in online Banking by using the “New User Registration” button above 3. Enroll in eStatements 4. Enroll & set up Bill Pay 5. Download our mobile app 6. Set up your Direct Deposit by using our form above or your employers preferred method. 7. Text FCCU to 561-649-7150 to enroll in text messages from us or scan to QR code on the right for quick enrollment! 8. Text Menu to 561-641-0100 to see our quick service keyword menu. Get general information by text 24/7 9. Text “ATM” to 561-641-0100 to locate a free ATM. We offer access to over 200 free ATM’S in PBC [![Apple App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/app-store-desktop.png)](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) [![Google Play App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/google-play-desktop.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) ![FCCU App](https://www.firstchoicecu.org/wp-content/uploads/2023/09/On-The-Go_mobile-banking.jpg "On The Go_mobile banking") ## Important Contact Information: ##### Telephone Numbers **Phone number:** (561) 641-0100 **Text us:** (561) 641-0100 **Opt-In to receive text message promotions and FCCU news:** Text FCCU to 561-649-7150 ##### Email Us ##### Credit / Debit Cards **Lost MasterCard:** (800) 325-3678 **After Hours Lost Debit Card Line:** (800) 472-3272 **Reset Pin or selecting brand new PIN for Debit Card:** (800) 757-9848 --- ### [Rates](https://www.firstchoicecu.org/rates/) **Published:** September 23, 2023 **Author:** Josh Marruffo **Content:** ## Rates [See Our Home Equity Rates](https://www.firstchoicecu.org/rates/#home-equity-rates) [See Our Deposit Rates](https://www.firstchoicecu.org/rates/#deposit) [Loan Payment Calculator](https://www.firstchoicecu.org/rates/#loan-calculator) \[table id=17 /\] [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans/#discounts) [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=18 /\] [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans/#discounts) [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=23 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans#discounts) \[table id=24 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans#discounts) \[table id=3 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=22 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=4 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=51 /\] \[table id=5 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=49 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=9 /\] \[table id=6 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. ###### 2Rate discounts are not available for Home Equity, Home Equity Line of Credit, or VISA loans. ###### 3Variable rate and subject to change. ###### 4Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change. ## Home Equity Rates \[table id=41 /\] \[table id=42 /\] \[table id=43 /\] \[table id=44 /\] \[table id=45 /\] \[table id=46 /\] \[table id=73 /\] \[table id=75 /\] \[table id=82 /\] \[table id=83 /\] ###### 1 APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. ###### 2 Rate discounts are not available for Home Equity or Home Equity Line of Credit. ###### 3Adjustable Rate. Prime Rate -1% for A+ Credit and -.75% A Credit. The maximum rate on a HELOC Adjustable is 16%. ###### 4Non-Primary Residence will be .50% above applicable regular rate. A HELOC is not offered for Non-Primary Residence property. ###### 5Payments do not include taxes and insurance which are the obligation of the borrower. ###### 6Terms of Repayment Example: a $125,000 Home Equity loan in First Position​ with a term of 15 years at 6.00% APR would work out to a payment of $1,054.82 a month. ###### 7Terms of Repayment Example: a $75,000 Home Equity loan in Second Position​ with a term of 15 years at 6.375% APR would work out to a payment of $648.19 a month. ###### 8Terms of Repayment Example: a $50,000 No Insurance loan with a term of 10 years at 5.75% APR would work out to a payment of $548.85 a month. ###### 9Terms of Repayment Example: A $125,000 NPR First Position loan with a 15 year term and 6.50% APR would work out to a payment of $1,088.88 a month. ###### 10Terms of Repayment Example: A $75,000 NPR Second Position loan with a 15 year term and 6.875% APR would work out to a payment of $668.89 a month. ###### 11First Position indicates there will be no other lienholder other then First Choice Credit Union. If the applicant is not in First Position as indicated here the loan is a Second Position loan. ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Equal_Housing_Opportunity-150x150.png) **FIRST CHOICE CREDIT UNION IS AN EQUAL HOUSING LENDER** ## Deposit Rates \[table id=10 /\]\[table id=11 /\]\[table id=76 /\]\[table id=12 /\]\[table id=13 /\]\[table id=14 /\] \[table id=68 /\]\[table id=69 /\] \[table id=80 /\]\[table id=70 /\]\[table id=71 /\]\[table id=72 /\] ###### Rates/terms subject to change at the discretion of the FCCU Board of Directors. ###### \* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of 11/01/2025. ###### \*\* A penalty will be imposed for early withdrawals on all certificate accounts. Certificate terms are listed in months. ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/WhtENGinsurlabel-300x141.png) *### Loan Calculator Loan Amount?: Number of Months? (#): Annual Interest Rate?: Payment Method?: End-of-Period Start-of-Period --- Monthly Payment: Total Interest: Total Principal & Interest: Calc Clear Print Help Payment Schedule Charts ©2026 AccurateCalculators.com $ : mm/dd/yyyy Original Size #### Currency and Date Conventions ✕ Albania (Lek) Lek12,345,678.99 Algeria (Algerian Dinar) DZD12,345,678.99 Argentina (Argentine Peso) $12.345.678,99 Armenia (Armenian Dram) AMD12,345,678.99 Australia (Australian Dollar) $12,345,678.99 Austria (Euro) €12.345.678,99 Azerbaijan (Manat) ₼12,345,678.99 Bahrain (Bahraini Dinar) BHD12,345,678.994 Belarus (Ruble) Br12,345,678.99 Belgium (Euro) 12 345 678,99€ Belgium (Euro) €12.345.678,99 Belize (Belize Dollar) BZ$12,345,678.99 Bolivia (Boliviano) $b12.345.678,99 Bosnia/Herzegovina (Mark) 12.345.678,99KM Brazil (Brazilian Real) R$12.345.678,99 Brunei (Brunei Dollar) $12,345,678.99 Bulgaria (Bulgarian Lev) 12345678,99лв Canada (Canadian Dollar) $12,345,678.99 Canada (Canadian Dollar) 12 345 678,99$ Chile (Chilean Peso) $12.345.679 China (Yuan Renminbi) ¥12,345,678.99 Colombia (Colombian Peso) $12.345.678,99 Costa Rica (Colon) ₡12 345 678,99 Croatia (Kuna) 12.345.678,99kn Czechia (Czech Koruna) 12 345 678,99Kč Denmark (Danish Krone) 12.345.678,99kr Dominican Republic (DR Peso) RD$1,234.99 Ecuador (US Dollar) $12.345.678,99 Egypt (Egyptian Pound) £12,345,678.99 El Salvador (El Salvador Colon) $12,345,678.99 Estonia (Euro) 12 345 678,99€ Faroe Islands (Danish Krone) kr12,345,678.99 Finland (Euro) 12 345 678,99€ France (Euro) 12 345 678,99€ Georgia (Lari) GEL12,345,678.99 Germany (Euro) 12.345.678,99€ Greece (Euro) 12.345.678,99€ Guatemala (Quetzal) Q12,345,678.99 Honduras (Lempira) L12,345,678.99 Hong Kong (HK Dollar) HK$12,345,678.99 Hungary (Forint) 12 345 678,99Ft Iceland (Iceland Krona) kr12,345,679 India (Indian Rupee) ₹1,23,45,678.99 Indonesia (Rupiah) Rp12.345.678,99 Iran (Iranian Rial) ﷼12,345,678.99 Iraq (Iraqi Dinar) IQD12,345,678.994 Ireland (Euro) €12,345,678.99 Israel (Sheqel) ₪12,345,678.99 Italy (Euro) 12.345.678,99€ Jamaica (Jamaican Dollar) J$12,345,678.99 Japan (Yen) ¥12,345,679 Jordan (Jordanian Dinar) JOD12,345,678.994 Kazakhstan (Tenge) лв12,345,678.99 Kenya (Kenyan Shilling) KES12,345,678.99 Korea (South) (Won) ₩12,345,679 Kuwait (Kuwaiti Dinar) KWD12,345,678.994 Kyrgyzstan (Som) лв12,345,678.99 Latvia (Euro) 12 345 678,99€ Lebanon (Lebanese Pound) £12,345,678.99 Libya (Libyan Dinar) LYD12,345,678.994 Liechtenstein (Swiss Franc) CHF12’345’678.99 Lithuania (Euro) 12 345 678,99€ Luxembourg (Euro) 12.345.678,99€ Luxembourg (Euro) 12.345.678,99€ Macao (Pataca) MOP12,345,678.99 Malaysia (Ringgit) RM12,345,678.99 Maldives (Rufiyaa) MVR12,345,678.99 Malta (Euro) €12,345,678.99 Mexico (Mexican Peso) $12,345,678.99 Monaco (Euro) 12 345 678,99€ Mongolia (Tugrik) ₮12,345,678.99 Morocco (Dirham) MAD12,345,678.99 Netherlands (Euro) €12.345.678,99 New Zealand (NZ Dollar) $12,345,678.99 Nicaragua (Cordoba Oro) C$12,345,678.99 Nigeria (Naira) ₦12,345,678.99 Norway (Norwegian Krone) kr12 345 678,99 Norway (Norwegian Krone) kr12,345,678.99 Oman (Rial Omani) ﷼12,345,678.994 Pakistan (Pakistan Rupee) ₨12,345,678.99 Panama (Balboa) B/.12,345,678.99 Paraguay (Guarani) Gs12.345.679 Peru (Sol) S/.12,345,678.99 Philippines (Philippine Peso) ₱12,345,678.99 Poland (Zloty) 12 345 678,99zł Portugal (Euro) 12 345 678,99€ Qatar (Qatari Rial) ﷼12,345,678.99 Romania (Romanian Leu) 12.345.678,99lei Russian Federation (Ruble) 12 345 678,99₽ Saudi Arabia (Saudi Riyal) ﷼12,345,678.99 Singapore (Singapore Dollar) $12,345,678.99 Slovakia (Euro) 12 345 678,99€ Slovenia (Euro) 12.345.678,99€ South Africa (Rand) R12,345,678.99 South Africa (Rand) R12 345 678,99 Spain (Euro) 12.345.678,99€ Sweden (Swedish Krona) 12 345 678,99kr Switzerland (Swiss Franc) CHF12’345’678.99 Switzerland (Swiss Franc) 12 345 678.99CHF Switzerland (Swiss Franc) CHF12’345’678.99 Syrian Arab Republic (SYP) SYP 12,345,679 Taiwan (Taiwan Dollar) NT$12,345,678.99 Thailand (Baht) ฿12,345,678.99 Trinidad & Tobago (T/T Dollar) TT$1,234.99 Tunisia (Tunisian Dinar) TND12,345,678.994 Turkey (Turkish Lira) ₺12.345.678,99 Ukraine (Hryvnia) 12 345 678,99₴ United Arab Emirates (UAE Dirham) AED12,345,678.99 United Kingdom (GBP) £12,345,678.99 United States (US Dollar) $12,345,678.99 Uruguay (Peso Uruguayo) $U12.345.678,99 Uzbekistan (Uzbekistan Sum) лв12,345,678.99 Venezuela (Bolívar Soberano) VES12.345.678,99 Viet Nam (Dong) 12.345.679₫ Yemen (Yemeni Rial) ﷼12,345,678.99 Zimbabwe (ZWL) ZWL12,345,678.99 MM/DD/YYYY DD/MM/YYYY DD-MM-YYYY DD.MM.YYYY YYYY-MM-DD YYYY.MM.DD YYYY/MM/DD The calculator will remember your choice. You may also change it at any time. Clicking "Save changes" will cause the calculator to reload. Your edits will be lost. Cancel Save changes #### Cash flow forecast... ✕ Close #### Charts ✕ Close #### Help ✕ Close #### Message ✕ Close* ###### \*Our Loan Payment Calculator is a tool used to estimate payments. Actual payment schedule may differ from what is shown here. Please contact us by email at msr@firstchoicecu.org or call (561) 641-0100 if you have any questions about current or future payments. --- ### [Test home](https://www.firstchoicecu.org/test-home/) **Published:** October 25, 2023 **Author:** admin **Content:** - Login[Sign up](https://www.fecuhb.org/dbank/live/app/register) | [Forget Password](https://www.fecuhb.org/dbank/live/app/authUpdate) --- ### [FAQs](https://www.firstchoicecu.org/faqs/) **Published:** September 22, 2023 **Author:** Josh Marruffo **Content:** # FAQs You have questions, we have answers. We have noted the most common member questions we receive. Still looking for more info? [Contact Us](https://www.firstchoicecu.org/contact-fccu/) ##### Click any link to jump to a particular section. ### [Membership](https://www.firstchoicecu.org/faqs/#membership) ### [Accounts](https://www.firstchoicecu.org/faqs/#accounts) ### [Online, Mobile, and Telephone Banking](https://www.firstchoicecu.org/faqs/#banking) ### [Identity Theft](https://www.firstchoicecu.org/faqs/#identity-theft) ### [Privacy Policy](https://www.firstchoicecu.org/faqs/#privacy) ### **Membership** **What is the difference between a bank and a credit union?** A bank is owned by shareholders and is tasked with maximizing the shareholders’ investments. A credit union is a not-for-profit organization owned by its members. It exists to offer excellent service and affordable financial products to its membership. **How do credit unions operate?** Policies and procedures are set and monitored by a volunteer Board of Directors. Each credit union member has one vote and an equal voice in the management and direction of the credit union. The Board of Directors members, elected for three-year staggered terms, set policies under which the credit union management carries out its duties. **What are the benefits of First Choice Credit Union membership?** As an FCCU member, you have access to the full array of financial products and services that the credit union offers as well as the FCCU Best Value Choice. This program means that our members always receive the best local value choices on First Choice Credit Union products and services, including the best local loan rates, the best checking account value and some of the best everyday savings and certificate rates in town. We provide more options and tailored products for our members! Additionally, as partial owners of the credit union, members have the opportunity to vote for the FCCU Board of Directors. FCCU members receive the best in service and better rates on loans and deposits than traditional banks. [Lastly, you are also eligible to enjoy special member offers, promotions, scholarships, and more!](https://www.firstchoicecu.org/resources/) **How do I know if I’m eligible for First Choice Credit Union membership?** First Choice Credit Union membership is open to all persons and their immediate family members who meet one of the following criteria: Do you live in Florida or have family members already FCCU members? If so, please read on and see if this is the Credit Union for you! Membership in First Choice Credit Union is open to: - Anyone living or working in Palm Beach County. - All employees and retirees of the federal government and veterans of any branch of the service living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties. - Individuals holding a professional license from the state of Florida and living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties. - All family members of an existing member. Once a member, always a member! Please help us deliver the news to your friends and family. They can stop by any First Choice Credit Union branch [to join and receive the same great service and benefits you receive!](https://www.firstchoicecu.org/new-member-referral-form/) **How do I become a member?** Stop by any [FCCU branch](https://www.firstchoicecu.org/locations/) to open a Share (Savings) account. The $5 minimum balance in your savings account establishes your membership and gives you access to all First Choice Credit Union membership benefits. It also enables you to vote for our Board of Directors. Please bring a photo ID with you when you open your account. [Learn more about becoming a member](https://www.firstchoicecu.org/join-fccu/). ### **Accounts** **How are my deposits insured?** Funds on deposit at First Choice Credit Union are privately insured by NCUA up to $250,000 per account. [NCUA insures accounts which allows for an unparalleled level of protection for First Choice Credit Union members’ deposits.](https://www.firstchoicecu.org/share-insurance-estimator/) **Can I access my accounts without going to a branch office?** You bet! Our online banking and mobile app ensure easy access to your accounts! In addition, our card manager, Card Hub, can help view credit card balances and make payments to your First Choice Credit Union loan, check your account balances, review account history, and more! Lastly, we also offer Mobile Check Deposit to enable you to deposit a check from anywhere you have internet access and your smart phone. [Learn more](https://www.firstchoicecu.org/on-the-go/). **How do I notify First Choice Credit Union of a change of address?** There are several ways you can notify FCCU of an address change: - Update contact information through **FCCU** Online Banking. - Print Change of Address form and mail. - Call the First Choice Credit Union member support team at (561) 641-0100, select option 2 for our contact center, and request a Change of Address form. Call toll free at **(800) 449- 3328**. - Visit any [FCCU branch.](https://www.firstchoicecu.org/locations/) **What is First Choice Credit Union’s routing number?** If you have a checking account at First Choice Credit Union, this number is located on the bottom of your check. FCCU’s routing number is **267083349**. The routing number is also referred to as a *routing and transit number*. **How do I establish Direct Deposit?** To establish Direct Deposit, you must contact your employer for the appropriate forms. First Choice Credit Union’s routing number is **267083349**. For more information, call First Choice Credit Union member support team at (561) 641-0100 and select option 2 for our contact center. Call toll free at (800) 449- 3328. ### **Online, Mobile, and Telephone Banking** **How do I sign up for FCCU’s Online Banking?** To connect to **online banking**: - Visit www.firstchoiceCU.org. - Look for the Online Banking icon and click the Register link. - Enter your account number (or username if you have created one) and click Submit. - Enter your password and click Next. If you have logged in before, you will also need to answer one of your chosen security questions. - First-time users should follow the instructions on the screen to change your temporary password and set up your security questions and other settings. - When the **online banking** screen appears, you are in! **How do I access FCCU’s real-time Mobile Banking?** To log in to **FCCU’s** Mobile Web Banking, type www.firstchoiceCU.org into your mobile phone web browser and click the **Online Banking** icon. Your phone will automatically switch to the mobile version after a few seconds. **How do I sign up for Text Banking?** You can enroll in Text Banking by simply texting the phrase **FCCU to 1-877-909-3228**. **What are the Text Banking commands?** Use texting to stay informed and in control of your accounts. Easily text anytime to see an account balance or to transfer funds. You can also set up eAlerts to automatically receive text messages regarding account balances, ACH transactions, or loans payments due. Text Banking makes it easy to access account balances and transactions, right on your mobile phone. It’s the fastest way to get your balances—anytime, anywhere. Simply text the command to **561-641-0100**. Click here for more commands. ### **Identity Theft** **What should I do if I think I may be a victim of identity theft?** If you are a member of First Choice Credit Union, you should [contact us](https://www.firstchoicecu.org/contact-fccu/), and we will close affected accounts or place a notification on accounts that have not been directly affected. It is important that you notify all your credit card issuers and other creditors. File a police report and keep copies of the report to prove that unauthorized charges do not belong to you. The Federal Trade Commission has an ID theft affidavit, a form for victims to provide to creditors and credit-reporting agencies. It can be downloaded at or you can receive the form by mail after calling 1.877.IDTHEFT. Trained counselors are available to speak with you and assess your situation. To further protect yourself, you should contact one of the three major credit-reporting agencies to place a message on your credit bureau report at no charge to you. Each fraud unit will share this information with the other two agencies. Here is the contact information for the three credit-reporting agencies: **Equifax** P.O. Box 740241 Atlanta, GA 30374 [www.equifax.com](http://www.equifax.com/) (800) 525-6285 **Experian** P.O. Box 9530 Allen, TX 75013 [www.experian.com](http://www.experian.com/) (888) 397-3742 **TransUnion** Fraud Victim Assistance Division P.O. Box 6790 Fullerton, CA 92634 [www.tuc.com ](http://www.tuc.com/) (800) 680-7289. ### **Privacy Policy** **Does First Choice Credit Union have a Privacy Policy?** Yes, we have a member [Privacy Policy](https://www.firstchoicecu.org/privacy-policy/) that regulates and protects all member data. --- ### [Youth Checking](https://www.firstchoicecu.org/youth-checking/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Youth Checking ## Youth Checking At First Choice Credit Union, our future is built upon the success of today’s young members. We believe you are never too young to start establishing good money-management skills. That’s why we offer a special checking account just for members between the ages of 10 and 18.\* Our Youth Checking offers the following features: - First Choice Credit Union (FCCU) is proud to offer members convenient access to a large network of **completely free ATMs**. Enjoy **no-fee ATM withdrawals** at: - Over **65 Publix locations** in Palm Beach County - Nearly **900 Publix ATMs** across Florida - More than **1,400 Publix ATMs** nationwide - [**Early Pay**](https://www.firstchoicecu.org/early-pay/) available: get your paycheck up to 2 days early! - [**Round-Up Savings**](https://www.firstchoicecu.org/roundup-savings/): earn dividends from everyday purchases! - **FREE** [debit card](https://www.firstchoicecu.org/debit-card/) - **FREE** [debit card rewards](https://www.firstchoicecu.org/debit-card-rewards/) - **FREE** [internet account access](https://www.firstchoicecu.org/home-banking/) - **FREE** [mobile banking](https://www.firstchoicecu.org/mobile-banking/) - **FREE** [mobile deposit](https://www.firstchoicecu.org/mobile-deposit/) (available after account has been open for 90 days) - No minimum balance requirements - No monthly service charges - No per-check charges - Duplicate check form - Detailed monthly statements by mail or [electronically](https://www.firstchoicecu.org/estatements/) Not only do we offer a great Youth Checking Account, but FCCU also offers a Young Adult car loan. So, when you are ready to get your first car loan, take us along for the ride. Click here for more information about our [Young Adult car loan](https://www.firstchoicecu.org/young-adult-car-loans/). ###### \*A parent or guardian must be a joint owner on the account and qualify for a regular FCCU checking account. ![Woman with child putting coin into piggy bank](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_youth-checking.jpg "deposit_youth checking") ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/mastercard/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Useful Links](https://www.firstchoicecu.org/useful-links/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Useful Links ## Useful Links FCCU is here for you and has done the homework to help you find reference sources, online tools, and important information you may be seeking. ![Older woman on computer](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_useful-links.jpg "resources_useful links") ### [Florida State Department of Highway Safety and Motor Vehicles](https://www.flhsmv.gov/) If you’ve recently paid off your auto loan and would like to get a copy of your title, you can submit your request through this link. ### [Facebook](https://www.facebook.com/FirstChoiceCreditUnion/) This link allows you to connect with First Choice Credit Union on Facebook. ### [Instagram](https://www.instagram.com/officialfirstchoicecu/) This link allows you to connect with First Choice Credit Union on Instagram. ### [Shared Branches](https://co-opcreditunions.org/locator/?ref=co-opsharedbranch.org&sc=1) Members of FCCU may visit and conduct much of their credit union business at any of these shared facility locations. Members must bring a photo ID, ATM or debit card and personal identification number (PIN). ### [Cars/Trucks – Bluebook Value](https://www.jdpower.com/cars) Find the value of new or used vehicles. ### [Insurance Center](https://www.myinsuranceinfo.com/) This link allows members to provide proof of auto insurance for vehicles that are financed with First Choice Credit Union. ### [Lending Center](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6cV2paybPvY2C7TQhAXqQbm_5go0op-WzjyVcp7iZ_cE) Our Lending Center is available 24 hours a day, seven days a week to take members’ consumer loan applications. Members can apply online and receive an instant email response. ### [Shop America & Invest in America](https://rewards.lovemycreditunion.org/?&utm_source=cu_67725&utm_medium=LMCUR-Banner-280x150&utm_campaign=lmcur-LMCUR-ALL-Bundle&lmcurcid=67725) Save and get money back when you shop. Just use Shop America and get rewarded with great discounts and cash back, just for being loyal to your favorite online stores. ### [Turbo Tax](https://turbotax.intuit.com/) Prepare and file your taxes online and save time and money. --- ### [Auto Loans](https://www.firstchoicecu.org/auto-loans/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Auto Loans ## Auto Loans The freedom of the open road…it feels even more liberating with a great loan rate and convenient terms. Get behind the wheel of the car of your choice today and enjoy the confidence of an FCCU auto loan leading the way! Save with auto payment deductions from your FCCU account and track your loan progress through your home banking! [Apply Now](https://app.consumer.meridianlink.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Woman laying her head on steering wheel](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_auto-loans.jpg "Borrow_auto loans") ## Auto Loan Discounts ### **Package of Protection Discount** Below are commonly purchased insurance products that consumers choose when financing an automobile. These products are available at a fraction of the cost from FCCU versus that is charged if a person chooses dealer financing. At FCCU, we recognize these products reduce the potential for loss on a loan and we offer a rate discount of .50% for this package to reflect that protection. - GAP Coverage - Mechanical Repair Coverage - Credit Life - Credit Disability ### **Auto Advisor Discount** When a member uses our Auto Advisor service to purchase a car we have a high degree of confidence that a fair price will be paid for the car. There is also less risk that a member will opt for the expensive insurance products that are sold by the dealership. A good purchase price makes for a stronger loan. At FCCU, we recognize these benefits and we offer a rate discount of .25%. ### **Cooperative Discount** As a cooperative, the positive contributions of individual members strengthens the entire cooperative. Below are common member behaviors that contribute in a positive way to the cooperative. At FCCU, we recognize the contribution of these behaviors and we offer a rate discount of .50% for the package to reflect that contribution. - Direct Deposit - Automated Loan Payment Method - Checking Account - Electronic Statements ## Rates \[table id=17 /\] [table id=18 /] \[table id=23 /\] [table id=24 /] ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. [## Auto Buying Service](https://www.firstchoicecu.org/auto-buying-service/) FCCU has teamed up with Auto Advisors to give you the fastest, easiest car shopping experience possible. [Read More](https://www.firstchoicecu.org/auto-buying-service/) [## Car Title for Cash](https://www.firstchoicecu.org/car-title-for-cash/) We can give you cash for your car’s title. [Read More](https://www.firstchoicecu.org/car-title-for-cash/) [## Lease Buyout Refinance](https://www.firstchoicecu.org/lease-buyout-refinance/) Keep your car after your lease by buying it out at a great interest rate. [Read More](https://www.firstchoicecu.org/lease-buyout-refinance/) [## Loan Protection Products](https://www.firstchoicecu.org/loan-protection-products/) Receive a free quote on our credit disability and life insurances. [Read More](https://www.firstchoicecu.org/loan-protection-products/) [## Auto Insurance](https://www.firstchoicecu.org/auto-insurance/) Shopping around for a new policy? FCCU can help you find the best policy for your specific needs. [Read More](https://www.firstchoicecu.org/auto-insurance/) [## Young Adult Car Loans](https://www.firstchoicecu.org/young-adult-car-loans/) FCCU has created a unique opportunity for younger members to help them take the first step into freedom and flexibility. [Read More](https://www.firstchoicecu.org/young-adult-car-loans/) ### Find out the benefits of a new or used car loan from First Choice Credit Union ***Do Better Auto Loan Research with First Choice Credit Union*** This valuable service helps you save money and determine the value of your trade BEFORE YOU SHOP! BE sure to TALK TO FCCU BEFORE YOU BUY so you can negotiate your very best deal. It’s easy! It’s FREE! - New and used car information is always available to members through FCCU’s lobby computer and vehicle library. Find the value of used vehicles through National Automobile Dealers Association (your computer or ours) or use our NADA “Blue Book” - For new, used, and everything else, check out [Motor Trend](http://www.motortrend.com/). --- ### [Auto Loan Calculator](https://www.firstchoicecu.org/auto-loan-calculator/) **Published:** September 25, 2023 **Author:** Josh Marruffo **Content:** ## Auto Loan Calculator *### Loan Calculator Loan Amount?: Number of Months? (#): Annual Interest Rate?: Payment Method?: End-of-Period Start-of-Period --- Monthly Payment: Total Interest: Total Principal & Interest: Calc Clear Print Help Payment Schedule Charts ©2026 AccurateCalculators.com $ : mm/dd/yyyy Original Size* --- ### [Debit Card Round-Up](https://www.firstchoicecu.org/debit-card-round-up/) **Published:** May 19, 2025 **Author:** Ryan Jones **Content:** ## Debit Card Round-Up ## Turn Everyday Purchases Into Effortless Savings! With our **Debit Card Round-Up** program, every time you make a purchase with your debit card, we’ll automatically round up the amount to the nearest dollar and transfer the spare change into the deposit account of your choice. [Enable Round-Up for Debit](https://us.services.docusign.net/webforms-ux/v1.0/forms/7ae8e3d0bd12fae99145812c3a44190a) ### **How It Works** 1. You buy a coffee for $3.45 2. We round it up to $4.00 3. **$0.55** goes into your selected savings or deposit account It’s that easy! ### **Choose Where You Save** You can pick any of your existing deposit accounts—like your regular savings, holiday fund, or even a high yield savings account—to receive your round-up savings. ### **Why You’ll Love It** - Builds your savings automatically - No fees or setup hassle - You’re in control—change or cancel anytime Use your round up to save for a splurge – purchase a new purse, golf clubs, or even a trip to the spa. It will be so much more satisfying when you saved in advance. ![](https://www.firstchoicecu.org/wp-content/uploads/2025/05/Round-up-1.png "Round up (1)") ### A Special Account for our Special Savers! With our **Debit Card Round-Up** program, every time you make a purchase with your debit card, we’ll automatically round up the amount to the nearest dollar and transfer the spare change into the deposit account of your choice. Now, we have a special savings account only available to those enrolled in the Debit Card Round-Up, with an even more special rate of **10% APY\***! [Learn More about Round-Up Savings](https://www.firstchoicecu.org/roundup-savings/) # Not a card holder with us? apply for your card today! ![Visa debit card](https://www.firstchoicecu.org/wp-content/uploads/2023/09/visa-debit-card.png "visa-debit card") You can apply online through your FCCU home banking service. Once you’ve logged into home banking, simply click on the Secure Forms icon (make sure this works as stated) and complete the short application. You may also apply in person at any of our branches. [Our Branches](https://www.firstchoicecu.org/locations/) --- ### [High-Yield Savings](https://www.firstchoicecu.org/high-yield-savings/) **Published:** October 3, 2023 **Author:** Josh Marruffo **Content:** ## High-Yield Savings ## Make First Choice Your FIRST CHOICE! Elevate your savings with FCCU’s High-Yield Savings Account. Enjoy our top-tier interest rates, easy access to your funds, and the peace of mind that comes with federal insurance. Take your savings to new heights today! #### **Discover the Benefits of a First Choice Credit Union High-Yield Savings Account:** - **Competitive Rates**: Enjoy one of the best savings rates in the market at **3.40%** **APY**.\* - **Flexible Withdrawals**: No penalties or fees for early withdrawals, giving you more control over your funds. - **Convenient Transfers**: Easily transfer funds through Home Banking or set up automatic transfers from other FCCU accounts. - **Seamless Online Transactions**: Effortlessly transfer to and from other financial institutions. - **Simplified Saving**: Set up direct deposit or payroll deductions to make saving simple and hassle-free. Setting up direct deposit or payroll deduction to your high yield savings account makes savings simple and easy [**See Deposit Rates**](https://www.firstchoicecu.org/rates/#deposit) [Open a High-Yield Savings Account](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6UmlXNvwH_P1VBaZCmrv-tA) ![Hand giving coins to plant in coin jar](https://www.firstchoicecu.org/wp-content/uploads/2024/10/HYS-image.png "HYS image") \[table id=76 /\] ###### \*Annual Percentage Yield effective 10/1/2024. A $25,000 minimum deposit is required to open a High Yield Savings Account. A $10 monthly fee will be imposed if the minimum balance falls below $25,000 during any time during the given month. \*See our Fee/Disclosure Schedules for full details. Rates, terms and conditions are subject to change. ###### Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [VISA](https://www.firstchoicecu.org/visa/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## VISA Credit Cards ## Live at the Speed of Life! The FCCU VISA programs are tailored to fit your lifestyle, providing you with the flexibility to handle credit the way you want with a wide range of money-saving benefits. Our **Gold** card has one of the lowest rates in the nation and our **Classic** and **Classic Secured** cards have options for everyone! [Apply Now](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=vlheccplst&reffalsource=website) ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_MasterCard.jpg "Borrow_MasterCard") ## Say Hello to Card Hub! Card Hub is a digital, all-in-one platform that allows users to manage credit and debit cards, including locking cards, setting and changing your PIN, setting transaction controls, monitoring spending, and adding cards to digital wallets. It provides real-time fraud alerts and instant card issuance, so you’ll never need to worry about scammers getting to you before you can respond! [Learn More](https://www.firstchoicecu.org/card-hub/) ## We offer a VISA Gold and Classic option: ### VISA Gold —8.75% Fixed Rate APR The VISA Gold is great for members who sometimes carry a monthly balance. It has one of the lowest fixed rates in the whole country. Members with good to excellent credit will qualify for use of this card. If you anticipate carrying a balance on your credit card, you will want a card with the lowest rate. [![](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Gold.png)](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Gold.png "VISA Gold") ### VISA Classic —14.76% Fixed Rate APR The VISA Classic is great for Members who may not qualify yet for the VISA Gold but have good credit. [![](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Classic.png)](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Classic.png "VISA Classic") ### VISA Classic Secured —14.76% Fixed Rate APR No credit history? Limited credit? Or looking to rebuild credit? First Choice Credit Union members can apply for our VISA® Classic Secured card as a simple, secure way to start building or rebuilding credit. The card requires an up-front security deposit (called a pledge) equal to your credit limit, which is held safely in your share savings account. You can choose your limit from $300 up to $4,000. Once set up, the card can be used just like a regular credit card, providing a practical way to manage credit while helping you build a positive credit history! [![](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Classic.png)](https://www.firstchoicecu.org/wp-content/uploads/2025/11/VISA-Classic.png "VISA Classic") [Apply Now](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=vlheccplst&reffalsource=website) \*Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change. ## All First Choice Credit Union VISA accounts come with the following features: - No annual fees - Cash advances at ATM worldwide - Balance transfers - An interest-free grace period on purchases - **Tap to Pay Functionality:** Look for the contactless symbol on the payment terminal. Save time every time you tap! - **EMV Chip Technology**: Your new credit card will have an embedded chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip. - **24/7 Cardholder Service**: Call **1-844-303-5002** for balance inquiries, payment information, transaction history, statement requests or to dispute a charge. [Balance Transfer Request Form](https://na2.docusign.net/Member/PowerFormSigning.aspx?PowerFormId=b7fcb2dc-8020-4147-ad8a-9e55265594cf&env=na2&acct=7890f91d-c1c1-4716-b73e-91c46a11e661&v=2) ## To report a lost or stolen FCCU VISA Credit Card, Please call *1-800-325-3678.* --- ### [No Insurance Home Equity Loan](https://www.firstchoicecu.org/no-insurance-home-equity/) **Published:** May 23, 2024 **Author:** Ryan Jones **Content:** ## No Insurance Loan ## Ensuring you can always access the funding you need. Wish you could access equity in your home but the cost of maintaining insurance prevents you? Needing to pay for Home Owners’ Insurance and Windstorm Insurance while wanting to borrow from your home equity can often put borrowers between a rock and a hard place. We have heard from a lot of members who chose to discontinue buying these insurances because the cost doesn’t seem warranted compared to other needs. Of course you can only be empowered to make that decision if you own your home free and clear. Unfortunately, most lenders require maintaining these insurances to borrow against the equity in your home. First Choice Credit Union isn’t going to let that technicality stop us from assisting our esteemed members. FCCU has developed a mortgage loan that provides some relief in these cases! [Check Rates](https://www.firstchoicecu.org/rates/#home-equity-rates) This loan is not for everyone. There are stringent qualifications: - Maximum Loan $50,000 - Maximum Term 10 years - FCCU must be in 1st position with loan - Loan to Value less than 35% using Palm Beach County Property valuation adjusted up - Land Value must be at least double the loan value - Single Family Homes only - No Home Equity Lines of Credit (HELOC) ![Front view of home](https://www.firstchoicecu.org/wp-content/uploads/2024/05/no-insurance-1.png "no insurance 1") ***\*The Credit Union provides no information or guidance as to the advisability of obtaining or maintaining homeowners and/or windstorm insurance. Members should get proper financial and legal advice to determine their personal insurance needs. Lack of homeowners and/or windstorm insurance to cover lost or damaged collateral property does not modify repayment obligations under loan.*** [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) --- ### [Home Equity Line of Credit](https://www.firstchoicecu.org/home-equity-line-of-credit/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Home Equity Line of Credit ## Home Equity Line of Credit The Home Equity Line of Credit (HELOC) offers a flexible way to pay for all your wants and needs, including remodeling, vacation planning, tuition funding, or other significant life events. [Check Rates](https://www.firstchoicecu.org/rates/#home-equity-rates) The FCCU HELOC offers a draw period of five years, during which time you can borrow and pay back as you see fit and take advantage of the interest-only payment. After the draw period, the loan has a 10-year repayment period. FCCU offers two types of HELOCS, an adjustable rate HELOC and a fixed rate HELOC. Both feature: - Affordable interest-only payments during draw period. - Only use if and when you need money. - Easy and convenient access to your credit line. - The ability to borrow up to 80% of the equity in your home. - No prepayment penalties. - Maximum loan of $450,000 if FCCU is in first position. - Maximum loan of $250,000 if there are other mortgages or lien holders. The adjustable rate HELOC is tied to changes in the prime rate. The fixed-rate HELOC allows you to lock your total loan balance at a fixed interest rate, protecting you against market fluctuations that impact rates. [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Couple planning home renovations](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_home-line-of-credit.jpg "Borrow_home line of credit") \[table id=46 /\] --- ### [Home Equity Loan](https://www.firstchoicecu.org/home-equity-loan/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Home Equity Loan ## Home Equity Loan For those members seeking a fixed rate option with a specific payout term, the FCCU Home Equity Loan is the perfect solution. [Check Rates](https://www.firstchoicecu.org/rates/#home-equity-rates) **Terms:** Qualified members can choose from 5-, 10- and 15-year terms. The shorter the term, the lower the interest rate. The minimum amount you can apply for is $10,000. The maximum amount is $400,000.\* **Special Features:** - No points - Fixed rates - Possible tax deduction (speak with your personal tax advisor) - Convenient automatic payment deduction [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Woman renovating floor](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_home-equity-loan.jpg "Borrow_home equity loan") ### Special Option FCCU also offers a special home equity loan product that pays off your current first mortgage and provides unique benefits. 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 while getting 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 - Quick closing process - Terms up to 20 years ###### Membership required. Subject to loan approval. Loan to value and credit history will determine your available rate. --- ### [Debit Card](https://www.firstchoicecu.org/debit-card/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## Debit Card ### Lost Card Notification: Visa Check Card *(800) 472-3272* ### Re-PIN or select a new PIN for your Visa debit card *(800) 992-3808* ## Debit Card Who wouldn’t want to make their day a bit easier? Thanks to your FCCU Visa debit card, access to your checking account just got easier. Wherever you see the Visa® logo, use your FCCU debit card. Your card can be used like a check, credit card, cash, or ATM card. Use it at the gas pump, the checkout line, your favorite restaurant, or for immediate withdrawals at an ATM. **Benefits include:** - Swift swiping or tapping - No check buying - Automatic deductions from your checking account - No monthly fee - No annual fee - Visa buyer protections ### Say Hello to Card Hub! Card Hub is a digital, all-in-one platform that allows users to manage credit and debit cards, including locking cards, setting and changing your PIN, setting transaction controls, monitoring spending, and adding cards to digital wallets. It provides real-time fraud alerts and instant card issuance, so you’ll never need to worry about scammers getting to you before you can respond! [Learn More](https://www.firstchoicecu.org/card-hub/) ![](https://www.firstchoicecu.org/wp-content/uploads/2026/02/card-hub1.png "card hub1") ### Use It To Make Purchases: Pay by check without writing one? You got it. Your FCCU Visa debit card offers you the convenience of access to your checking funds without the hassle of carrying a checkbook, writing a check, and waiting for approvals. It’s the easy way to pay by check­—without writing one—and it’s accepted for purchases everywhere the Visa logo is displayed. ### Use It As An ATM Card: You can make cash withdrawals. Simply look for ATMs displaying one of the following logos: ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/ATM-logos-combined-300x31.png) You can even use your card at supermarkets, service stations, restaurants and other point-of-sale terminals located at check-out counters wherever you see the above logos. # Apply for your card online or in person ![Visa debit card](https://www.firstchoicecu.org/wp-content/uploads/2023/09/visa-debit-card.png "visa-debit card") You can apply online through your FCCU home banking service. Once you’ve logged into home banking, simply click on the Secure Forms icon (make sure this works as stated) and complete the short application. You may also apply in person at any of our branches. [Our Branches](https://www.firstchoicecu.org/locations/) --- ### [Money Market Accounts](https://www.firstchoicecu.org/money-market-accounts/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## Money Market Accounts ## Money Market Options Enjoy access to your funds while earning higher dividends! FCCU members can enjoy the liquidity of a checking account and earn greater dividends at the same time with one of our Money Market accounts. [Money Market:](#0561a99f7fb36d748) Earn more for your money with our Money Market account. It’s a smart investment if you want a higher rate of return, liquidity, and the safety of a federally insured account. Other benefits of a First Choice Credit Union Money Market account: - **There is NO** penalty or fee for early withdrawals. - Transfers may be made through [Home Banking](https://www.firstchoicecu.org/home-banking/) and automatically from other FCCU accounts . - Unlimited withdrawals may be made in person at any [FCCU branch](https://www.firstchoicecu.org/locations/). - Low minimum balance required of just $2,500. [Open an FCCU Money Market Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ###### Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. ###### \*See our Fee/Disclosure Schedules for full details. [Super Money Market:](#8d499f00d2e51a161) For members looking for a little more from a Money Market Account, our Super Money Market Account may be just for you. It offers you a higher rate of return, easy access to your funds, and the security and safety of being a federally insured account. **Other benefits of a First Choice Credit Union Super Money Market account include:** - **NO** penalty or fee for early withdrawals. - Transfers made through [Home Banking](https://www.firstchoicecu.org/home-banking/) and automatically from other FCCU accounts. - Unlimited withdrawals made in person at any [FCCU branch](https://www.firstchoicecu.org/locations/). - Funds that are not subject to Florida State Intangible Tax. [Open an FCCU Super Money Market Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ###### Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. ###### \*See our Fee/Disclosure Schedules for full details. [table id=12 /] --- ### [Disclosures and Fees](https://www.firstchoicecu.org/disclosures-and-fees/) **Published:** September 22, 2023 **Author:** Josh Marruffo **Content:** ## Disclosures ### Membership Agreement [View Our Membership Agreement](https://www.firstchoicecu.org/wp-content/uploads/2026/02/Membership-Agreement-02-01-2026.pdf) ## Schedule of Fees \[table id=25 /\] \[table id=52 /\] \[table id=26 /\] ###### *\*Overdrafts created by checks, in person withdrawals, ATM or ACH withdrawals, or any other withdrawal via electronic means.* \[table id=53 /\] ###### *\*Overdrafts created by checks, in person withdrawals, ATM or ACH withdrawals, or any other withdrawal via electronic means.* \[table id=28 /\] \[table id=55 /\] \[table id=30 /\] \[table id=57 /\] \[table id=31 /\] \[table id=58 /\] \[table id=32 /\] \[table id=59 /\] \[table id=33 /\] \[table id=60 /\] \[table id=34 /\] \[table id=61 /\] \[table id=35 /\] \[table id=62 /\] \[table id=36 /\] \[table id=63 /\] \[table id=37 /\] \[table id=64 /\] \[table id=38 /\] \[table id=39 /\] \[table id=40 /\] \[table id=67 /\] ###### All fees are subject to change. ### **Notice—USA Patriot Act** The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001, commonly referred to as the USA Patriot Act, is a direct response to September 11, 2001. The Department of Treasury issued new regulations setting forth minimum standards for financial institutions that relate to the identification and verification of any person who applies to open an account. This law is intended to facilitate the prevention, detection, and prosecution of international money laundering and financing of terrorism. Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation. ### **Consumer Alert** First Choice Credit Union always has your financial interest in mind, and part of that is financial security and privacy. First Choice Credit Union will NEVER send you any communications with a link to a web page or login screen, or any request for personal information such as account numbers, PINs, or other passwords. If you receive a questionable email requesting personal First Choice CU information or an email that appears to be from FCCU that includes a link to any website, please contact First Choice Credit Union at (561) 641-0100 and select option 2 for our contact center. The toll-free number is (800) 449- 3328. ### **Reg GG Notification— Prohibition on Unlawful Funding of Internet Gambling** The Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA / Reg GG) prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or state law in the State in which the bet or wager is initiated, received or otherwise made.” As a customer of First Choice Credit Union, Inc., these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. ### **Notice: Federal Reserve Bank’s Regulation E** Under the Federal Reserve Bank’s Regulation E, members of First Choice Credit Union are required to personally notify First Choice Credit Union (or opt in) if you want the Credit Union to automatically pay overdrafts on your ATM or debit card transactions through our Courtesy Pay program. First Choice Credit Union will not automatically allow overdrafts to occur on ATM or debit card transactions on existing accounts unless you give us permission to do so. As a result, you may experience more frequent denials when using your card. To avoid any interruption in your card use, please visit any First Choice Credit Union branch to enroll in our Courtesy Pay program. **Please note that this regulation only applies to those transfers done by ATM/debit cards.** Overdrafts occurring with Share Drafts and ACH transactions may still be automatically allowed by First Choice Credit Union for a fee. The Federal Reserve Bank’s Regulation E is a directive of the federal government and applies to all financial institutions. --- ### [Round-Up Savings](https://www.firstchoicecu.org/roundup-savings/) **Published:** June 24, 2025 **Author:** Ryan Jones **Content:** ## Round-Up Savings ## A Special Account for our Special Savers! With our **Debit Card Round-Up** program, every time you make a purchase with your debit card, we’ll automatically round up the amount to the nearest dollar and transfer the spare change into the deposit account of your choice. Now, we have a special savings account only available to those enrolled in the Debit Card Round-Up, with an even more special rate of **10% APY\***! ### **How It Works** This account is perfect for saving up large sums over time, perhaps for a big purchase or vacation. Deposits are limited to rounded up transactions. Due to its high dividend rate of 10%, this account allows only **one annual withdrawal**. - The annual withdrawal granted renews on the anniversary of opening the account. - A withdrawal not complying with the annual withdrawal provision will be honored, but will result in the closure of the account. - A fee will be required to re-open a closed Round-Up Savings account. Use these newfound savings from daily transactions to save up for something special, or simply save it for a rainy day! [Open A Round-Up Savings Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6aTxFMannzpCYi8Ezs1Dh2mb-MkjBNZ2OeWuv0-J-m88HBs0cLz7ro7SsOXAfCfuTMKykL5SsxyEFU1z_3Sx-AQ) ![](https://www.firstchoicecu.org/wp-content/uploads/2025/06/round-up-savings-image.png "round-up-savings-image") \[table id=81 /\] ###### \* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Rates effective and accurate as of 8/22/2025. Please contact one of our member services representatives for more information about rates, terms and conditions. ## Not Enrolled in Round-Up for Debit Yet? Follow this link to learn more about the terms of the Round-Up program and how to activate it for your debit card! [Learn More about Round-Up Debit](https://www.firstchoicecu.org/debit-card-round-up/) # Not a card holder with us? apply for your card today! ![Visa debit card](https://www.firstchoicecu.org/wp-content/uploads/2023/09/visa-debit-card.png "visa-debit card") You can apply online through your FCCU home banking service. Once you’ve logged into home banking, simply click on the Secure Forms icon (make sure this works as stated) and complete the short application. You may also apply in person at any of our branches. [Our Branches](https://www.firstchoicecu.org/locations/) --- ### [Member Testimonials](https://www.firstchoicecu.org/member-testimonials/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Member Testimonials ## Member Testimonials FCCU members are the lifeblood of our success and future. Our credit union mission is based on guiding members forward, crafting relevant products and services, and delivering the timely support and service the dynamic lives of our members demands. We are pleased when our mission, efforts and member outcomes all align, and the member reaches their planned levels of success—either short-term goals or longer-term plans. ![Co workers talking](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_member-testimonials.jpg "resources_member testimonials") ### Please share your story of how FCCU has helped to guide your financial success. A representative will be back in touch during normal business hours. ### Read Our Member Testimonials > I love First Choice Credit Union! > I always receive friendly and courteous service from Willie. His customer service is one of the main things I look forward to each visit. **Tanjala Thomas**, via Google > While several large and well-known banks did not approve me for a loan…they did it for me quickly. Excellent! Thanks! **Christian Ruiz**, via Google > My experience with Ms. Daniela has been one of the most pleasant I have had with office staff. Your attention to me, a Bank client, was excellent. What one always expects in the service they provide. > It was cordial with a “family” touch that makes the person feel trust and security. **Myrna Baerga**, via Google > We can’t thank the First Choice employees enough for their kindness. A few weeks ago, our street was hit by a F3 tornado. We wrote a check and did not have enough to cover it. You paid it for us and kindly let us know what we needed to deposit to make our account whole. You have renewed our faith in humanity and we want you to know it. **Mike and Paula Bober**, via Google > We did a HELOC and the experience was absolutely amazing. The process was really fast and easy. Julie was extremely helpful and patient. She helped us with all the questions we had and she make sure the loan was complete. I highly recommend this credit union! **Juan Palacio**, via Google > On July 9, 2025. I went inside greeted by Karen, front desk. I told her I came to closed one of my account, I had emergency to do with that money. She was very helpful, answered all my questions that I had planned to due that day. I was pleased with her customer experiences. Thank you! **Michela Rosier**, via Google --- ### [Contact FCCU](https://www.firstchoicecu.org/contact-fccu/) **Published:** September 22, 2023 **Author:** Josh Marruffo **Content:** ## Contact FCCU ## Complete the Contact Form below, and an FCCU representative will contact you right away! **A representative will be back in touch during normal business hours.** *(NOTE: Please do not enter account numbers, Social Security numbers or other sensitive, personal data.)* var ss\_form = {'account': 'MzY0tDA2MTMyAQA', 'formID': 'M0w1SbRINTHUNTEwNdY1STU21000tUjTTbNMtbBIMzNKNDRPBAA'}; ss\_form.width = '100%'; ss\_form.domain = 'app-3S4B6QFXXW.marketingautomation.services'; // ss\_form.hidden = {'field\_id': 'value'}; // Modify this for sending hidden variables, or overriding values // ss\_form.target\_id = 'target'; // Optional parameter: forms will be placed inside the element with the specified id // ss\_form.polling = true; // Optional parameter: set to true ONLY if your page loads dynamically and the id needs to be polled continually. --- ### [Resources](https://www.firstchoicecu.org/resources/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Resources ## Knowledge is Power Explore FCCU’s library of resources including information on us and what we do, financial tools, and useful links! We’re here to help, no matter where you are in your financial journey. [![FCCU main office](https://www.firstchoicecu.org/wp-content/uploads/2024/03/About-FCCU.png)](https://www.firstchoicecu.org/about-fccu/) [![Bank teller helping customer](https://www.firstchoicecu.org/wp-content/uploads/2024/03/Join-FCCU.png)](https://www.firstchoicecu.org/join-fccu/) [![Worker helping customer on phone](https://www.firstchoicecu.org/wp-content/uploads/2024/03/Contact-FCCU-1.png)](https://www.firstchoicecu.org/contact-fccu/) [![Woman looking at computer](https://www.firstchoicecu.org/wp-content/uploads/2024/03/Member-Support-Tools.png)](https://www.firstchoicecu.org/member-support-tools/) ## Credit Score & More FCCU has teamed up with SavvyMoney to bring you the Credit Score and More program! It doesn’t affect your credit score, is totally free, and offers you financial advice to help maintain a higher credit score. It can also get you special loan offers that can help reduce interest costs! [Learn More](https://www.firstchoicecu.org/credit-score-and-more/) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Savings](https://www.firstchoicecu.org/savings/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Savings ## FCCU Smart Savings A main share savings account is the heart of your First Choice Credit Union membership. Once you become a member, we can help you reach your goals with a variety of savings, checking, and other financial products and services. Whether saving for an emergency, a new home, an automobile, college education, or retirement, we have a savings account to help make your dreams a reality. Additionally, for both your current and long-term financial and lifestyle needs, First Choice Credit Union offers a variety of personalized savings and investment options. Our Member Service Representatives are specially trained to help you define a goal, create a plan, and select the proper financial products and services to reach that goal. When your finances are secure, the rest of life falls into place. That’s why saving for the future is a key component of financial health. Whether saving for an emergency, a new home, an automobile, college education, or retirement, one of the following Savings Accounts will meet your needs. Visit the [FCCU deposit rate page](https://www.firstchoicecu.org/rates/#deposit) to help you decide which product is right for you. [Open a FCCU Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ![Happy family](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_savings.jpg "deposit_savings") Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. ## Savings Account Options [## Share Savings](https://www.firstchoicecu.org/share-savings/) Our standard savings account, establishes your FCCU membership! [Read More](https://www.firstchoicecu.org/share-savings/) [## Special Purpose Savings](https://www.firstchoicecu.org/special-purpose-savings/) A savings account made specifically for a large necessity or splurge! [Read More](https://www.firstchoicecu.org/special-purpose-savings/) [## Starfish Savings Club](https://www.firstchoicecu.org/starfish-savings-club/) An introductory savings account made for FCCU’s younger members! [Read More](https://www.firstchoicecu.org/starfish-savings-club/) [## Holiday Club](https://www.firstchoicecu.org/holiday-club/) Our savings account made for preparing for the next holiday season! [Read More](https://www.firstchoicecu.org/holiday-club/) [## High Yield Savings](https://www.firstchoicecu.org/high-yield-savings/) An effortless investment option; let your money work as hard as you! [Read More](https://www.firstchoicecu.org/high-yield-savings/) [## Round-Up Savings](https://www.firstchoicecu.org/roundup-savings/) Rounded up transactions turn into savings that earn dividends over time! [Read More](https://www.firstchoicecu.org/roundup-savings/) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Borrow](https://www.firstchoicecu.org/borrow/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Borrow ## Switch to FCCU and become eligible to apply for a loan. Our members have dynamic, productive lives, and those lives often require additional funds to purchase a car, purchase a bigger home, renovate a room, or plan a once-in-a-lifetime trip. FCCU is here to help with great rates, an easy loan process and expert guidance! [Download our Switch Kit](https://www.firstchoicecu.org/wp-content/uploads/2023/09/FCCU_Switch-Kit_2023.pdf) ## Our Products [![Dealership sales person talking to woman](https://www.firstchoicecu.org/wp-content/uploads/2024/01/auto-loans.png)](https://www.firstchoicecu.org/auto-loans/) [![Man writing on notepad](https://www.firstchoicecu.org/wp-content/uploads/2024/01/heloc-1.png)](https://www.firstchoicecu.org/he-heloc/) [![For sale sign on home](https://www.firstchoicecu.org/wp-content/uploads/2024/01/mortgage-1.png)](https://www.firstchoicecu.org/mortgage/) [![Woman holding a credit card](https://www.firstchoicecu.org/wp-content/uploads/2024/01/credit-cards-1.png)](https://www.firstchoicecu.org/visa/) [![Two people looking at phone](https://www.firstchoicecu.org/wp-content/uploads/2024/01/personal-loans.png)](https://www.firstchoicecu.org/personal-loans/) [![Man driving boat](https://www.firstchoicecu.org/wp-content/uploads/2024/01/recreational-loans.png)](https://www.firstchoicecu.org/recreational-loans/) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Checking](https://www.firstchoicecu.org/checking/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Checking ## FCCU Checking At First Choice Credit Union, we’ve designed our checking account options to meet your dynamic needs. You can access your FCCU checking account 24 hours a day, seven days a week, via ATM, [online banking or mobile banking](https://www.firstchoicecu.org/on-the-go/). It’s easy to make the switch to an FCCU checking account quickly. FCCU’s Simple Switch Kit contains an easy, step-by-step outline to help you open your new account, close your old account(s), and begin enjoying all the benefits of FCCU’s checking options. [Download our Switch Kit](https://www.firstchoicecu.org/wp-content/uploads/2023/09/FCCU_Switch-Kit_2023.pdf) ![Older man filling out documents](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_checking.jpg "deposit_checking") ## More For Our Members FCCU offers several financial services linked to your checking account that will help you make the most out of your time and money! Some of these services include: - Debit Card Rewards: Earn cash back or discounts for ordinary purchases. - Debit Card Round-Up: Round up transactions to the nearest dollar and place the difference in an FCCU account of your choice. - Early Pay: Get your paycheck up to 2 days early! - Courtesy Pay: a safety net of up to $500 when you have insufficient funds for a purchase. Just a $15 fee per incident! [## Value Checking](https://www.firstchoicecu.org/value-checking/) FCCU’s basic checking account with no monthly fees! [Read More](https://www.firstchoicecu.org/value-checking/) [## Value Plus Checking](https://www.firstchoicecu.org/value-plus-checking/) All of the perks of the Value Checking account, with the added benefit of interest! [Read More](https://www.firstchoicecu.org/value-plus-checking/) [## Fresh Start Checking](https://www.firstchoicecu.org/fresh-start-checking/) An account option to help you rebuild your finances and get back on track. [Read More](https://www.firstchoicecu.org/fresh-start-checking/) [## Youth Checking](https://www.firstchoicecu.org/youth-checking/) It’s never too early to start spending and saving responsibly! [Read More](https://www.firstchoicecu.org/youth-checking/) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/visa/)[](https://www.firstchoicecu.org/visa/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order # Apply for your card online or in person ![Visa debit card](https://www.firstchoicecu.org/wp-content/uploads/2023/09/visa-debit-card.png "visa-debit card") You can apply online through your FCCU home banking service. Once you’ve logged into home banking, simply click on the Secure Forms icon (make sure this works as stated) and complete the short application. You may also apply in person at any of our branches. [Our Branches](https://www.firstchoicecu.org/locations/) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Value Checking](https://www.firstchoicecu.org/value-checking/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## Value Checking ## FCCU Value Checking **Value Checking is perfect for members wanting a basic checking account with no monthly fee!** It’s easy to open, easy to navigate, and full of electronic support tools and great benefits: - First Choice Credit Union (FCCU) is proud to offer members convenient access to a large network of **completely free ATMs**. Enjoy **no-fee ATM withdrawals** at: - Over **65 Publix locations** in Palm Beach County - Nearly **900 Publix ATMs** across Florida - More than **1,400 Publix ATMs** nationwide - [**Early Pay**](https://www.firstchoicecu.org/early-pay/) available: get your paycheck up to 2 days early! - [**Round-Up Savings**](https://www.firstchoicecu.org/roundup-savings/): earn dividends from everyday purchases! - [**Courtesy Pay**](https://www.firstchoicecu.org/courtesy-pay-and-overdraft-protection): an overdraft protection service with a low fee! - **FREE** primary owner [debit card](https://www.firstchoicecu.org/debit-card/) - **FREE** [debit card rewards](https://www.firstchoicecu.org/debit-card-rewards/) - **FREE** [internet account access](https://www.firstchoicecu.org/home-banking/) - **FREE** [mobile banking](https://www.firstchoicecu.org/mobile-banking/) - **FREE** [mobile deposit](https://www.firstchoicecu.org/mobile-deposit/) (available after account has been open for 90 days) - No minimum balance requirements - No monthly service charges - No per-check charges - Duplicate check form - Detailed monthly statements by mail or [electronically](https://www.firstchoicecu.org/estatements/) [Open a Value Checking Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/mastercard/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Value Plus Checking](https://www.firstchoicecu.org/value-plus-checking/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Value Plus Checking ## FCCU Value Plus Checking Value Plus Checking is the next step-up in your financial journey. It’s easy to open, easy to navigate, and full of electronic support tools. - First Choice Credit Union (FCCU) is proud to offer members convenient access to a large network of **completely free ATMs**. Enjoy **no-fee ATM withdrawals** at: - Over **65 Publix locations** in Palm Beach County - Nearly **900 Publix ATMs** across Florida - More than **1,400 Publix ATMs** nationwide - [**Early Pay**](https://www.firstchoicecu.org/early-pay/) available: get your paycheck up to 2 days early! - [**Round-Up Savings**](https://www.firstchoicecu.org/roundup-savings/): earn dividends from everyday purchases! - [**Courtesy Pay**](https://www.firstchoicecu.org/courtesy-pay-and-overdraft-protection): an overdraft protection service with a low fee! - **FREE** [bill pay](https://www.firstchoicecu.org/home-banking/) - **FREE** [debit card](https://www.firstchoicecu.org/debit-card/) - **FREE** [debit card rewards](https://www.firstchoicecu.org/debit-card-rewards/) - **FREE** [internet account access](https://www.firstchoicecu.org/home-banking/) - **FREE** [mobile banking](https://www.firstchoicecu.org/mobile-banking/) - **FREE** [mobile deposit](https://www.firstchoicecu.org/mobile-deposit/) (available after account has been open for 90 days) - No per-check charges - Duplicate check form - Detailed monthly statements by mail or [electronically](https://www.firstchoicecu.org/estatements/) - *$500 Minimum Balance to Maintain* [Open a Value Plus Checking Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/mastercard/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) Minimum monthly balance $500 to avoid the $5 monthly maintenance fee; minimum starting balance of $500. Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Fresh Start Checking](https://www.firstchoicecu.org/fresh-start-checking/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Fresh Start Checking ## Fresh Start Checking At First Choice Credit Union, we understand life happens and that bad things can happen to good people. Some financial setbacks are unavoidable, such as experiencing an extended illness, loss of job or maybe a divorce. When these situations occur, we believe FCCU members who are working to rebuild their finances should be given the opportunity for a true *Fresh Start*. If you are working to re-establish your financial stability, this checking account might be just right for you. With our Fresh Start Checking Account, members will enjoy: - First Choice Credit Union (FCCU) is proud to offer members convenient access to a large network of **completely free ATMs**. Enjoy **no-fee ATM withdrawals** at: - Over **65 Publix locations** in Palm Beach County - Nearly **900 Publix ATMs** across Florida - More than **1,400 Publix ATMs** nationwide - [**Early Pay**](https://www.firstchoicecu.org/early-pay/) available: get your paycheck up to 2 days early! - [**Round-Up Savings**](https://www.firstchoicecu.org/roundup-savings/): earn dividends from everyday purchases! - [**Courtesy Pay**](https://www.firstchoicecu.org/courtesy-pay-and-overdraft-protection): an overdraft protection service with a low fee! - **FREE** [debit card](https://www.firstchoicecu.org/debit-card/) - **FREE** [debit card rewards](https://www.firstchoicecu.org/debit-card-rewards/) - **FREE** [internet account access](https://www.firstchoicecu.org/home-banking/) - **FREE** [mobile banking](https://www.firstchoicecu.org/mobile-banking/) - **FREE** [mobile deposit](https://www.firstchoicecu.org/mobile-deposit/) (available after account has been open for 90 days) - No minimum balance requirements - Low monthly service charge\* - No per-check charges - Duplicate checks for accurate record keeping After a period of one year, you will be eligible to request an upgrade to our Value Checking. An upgrade will provide you access to our overdraft protection feature and eliminate the monthly service charge. ![Man on computer](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_fresh-start-checking.jpg "deposit_fresh start checking") ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/mastercard/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) \*$10 monthly service charge. Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Member Support Tools](https://www.firstchoicecu.org/member-support-tools/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Member Support Tools ## ## All Artisans Need Their Tools In one central location, we provide access to the common forms, tools, links, and assistance you need to help you navigate your financial journey. ## Safe Deposit Boxes Do you need a place to keep your valuable assets safe? FCCU offers a variety of safe deposit box sizes at [West Palm Beach location ](https://www.firstchoicecu.org/locations/)for a low annual fee. Safe deposit boxes are locked in vaults at each location to keep your valuables safe. Don’t take any chances with family heirlooms, expensive jewelry, or important papers; enjoy peace of mind with an FCCU safe deposit box today. Contact us today to see the available box sizes, locations, and annual cost. [Send Us a Message](mailto:msr@firstchoicecu.org) ![Wall of safe deposit boxes](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_safe-deposit-boxes.jpg "resources_safe deposit boxes") ## eStatements Signing up for FCCU eStatements is fast and easy. Just sign in to your FCCU home banking and use the eStatements menu along the top. A box will be pre-checked to GO Paperless. View the disclosure and click continue; you are all set. eStatements, also referred to as electronic statements, have many advantages over paper statements. - **Faster:** eStatements are available shortly after the month ends. - **Greener:** No paper, ink or fuel is needed to get your eStatement, making them environmentally friendly. - **Secure:** Mail can be lost, stolen, or tampered with, but eStatements are more secure. - **Disposal.** eStatements eliminate the need to securely dispose of paper statements. - **Save:** You will avoid the $2 paper statement fee each month a paper statement is delivered. You will receive an email notification when your FCCU eStatements are available. The eStatements are PDF documents that are easily stored on your home device. There are 24 months of online storage available from the point you begin eStatements. # Wire Transfers When wiring funds to our credit union, be sure to carefully follow the easy instructions below. Failure to do so could result in your funds getting routed to the wrong account number. This, in turn, will result in your account being assessed a higher fee as well as delay the availability of your funds. For our current wire transfers fees, please refer to our [schedule of fees](https://www.firstchoicecu.org/disclosures-and-fees/). **Incoming Wire Instructions:** 1. For Credit to: First Choice Credit Union – ABA # 267-08-3349 1055 S. Congress Ave. West Palm Beach, FL 33406, Phone (561) 641- 0100 2. For Final Credit to: Member’s Name, Complete physical address ( PO Box will not be accepted), Account number and indicate savings or checking. 3. Name of individual initiating (sending) the wire along with their complete physical address. (PO Box will not be accepted). **Outgoing Wires:** For information regarding outgoing wires, please visit any of our [branch locations](https://www.firstchoicecu.org/locations/) or contact our Contact Center at 641-0100 Option 2 during regular business hours. Due to Regulations and the inherent risk with International Wires, we are not able to provide this service to our members. We do apologize for any inconvenience this may cause. ### Have any questions or need additional assistance? Contact us or schedule an appointment to meet with an expert! ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [CDs](https://www.firstchoicecu.org/cds/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## CDs ## Certificates of Deposit (CD) FCCU members seeking higher rates of return for their savings may elect to open a CD. The CD is our primary alternative for members who are searching for yield. They pay higher dividend rates, as invested funds remain on deposit for a fixed period of time, though dividends vary according to the term of the CD. The CD could compete for some of the investable funds of members such as money in the stock market, because investing in a CD is not volatile like the stock market is. The CD is also available as an IRA. - Federally insured by NCUA. - Some of the best rates in the market. \* - Investment with guaranteed returns. - Safe alternative to stock market for diversification. - A variety of terms available. As a general rule, you want to lock in to longer CD terms at the end of upward interest rate cycle to ensure you are well positioned before interest rates go back down. The risk in investing in CDs is that at maturity, the rate could be lower, and if you choose to reinvest, if would be at a lower APY – the result known as reinvestment risk. Minimum balance is $1000, and available terms are CD – 12-, 30-, and 60-months. **To apply, click the button below and it will take you offsite to our application portal. Once there, click “Add Account to Your Membership” and select the CD you would like to purchase.** [Open an FCCU CD](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) \[table id=10 /\]\[table id=11 /\] \[table id=68 /\] \[table id=69 /\] ###### \* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of September 30, 2023. ### CD Ladder CD Laddering allows you to expand your investment portfolio across multiple CDs, resulting in a combination of increased flexibility, liquidity and maximized returns. - Long-term CDs usually have higher interest rates. The downside is that you will be unable to access your money (without facing a penalty) for a long period of time. - When you invest in a short-term CD, your investment reaches maturity sooner. The downside is that short-term CDs usually have lower interest rates. Both of these CDs have their advantages, but both also have their drawbacks. The basic idea behind a CD ladder is spreading your money among different CDs so that you always have some money coming due, all while maximizing your interest earnings. This way, you can take advantage of higher interest rates when they are available, and still have access to some of your money if you need it. ## CDs & IRAs Your peace of mind is worth saving for. Certificates of Deposits and IRAs are often an important piece of a sound savings strategy. Certificates require that funds remain in the account for a period of time, and, in return, they pay a higher dividend rate than other savings accounts. Individual Retirement Accounts (IRAs) are a key tax management and saving strategy for retirement and future planning. Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [CD/Share Secured](https://www.firstchoicecu.org/cd-share-secured/) **Published:** October 6, 2023 **Author:** Josh Marruffo **Content:** ## CD/Share Secured ## Put Your Money to Work For You. FCCU’s CD secured loans let you use your CD balances as collateral to secure your loan. If you are rebuilding or establishing your credit, a secured loan from FCCU can help you get the funds you need when you need immediate financial assistance. [Apply Now](https://app.consumer.meridianlink.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Couple on computer](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_personal-loans.jpg "Borrow_personal loans") \[table id=6 /\] ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. --- ### [A Financial Cooperative](https://www.firstchoicecu.org/a-financial-cooperative/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## **What Is A Credit Union?** A credit union is a not-for-profit member-owned financial cooperative offering traditional banking services including credit cards, loans, and checking accounts. More on what it means to be a cooperative below. A credit union is owned, operated, and controlled by the members. Credit unions are governed by a board of directors consisting of volunteers elected by the members. These volunteers are responsible for overseeing the organization and deciding on the credit union’s direction. Credit unions typically hold annual elections, during which the general membership votes to determine who sits on the board of directors. ## **A Financial Cooperative** A cooperative is formed when people join together to help one another meet their economic needs. Cooperatives are a business in many ways like any other business. But a cooperative belongs to the people (in our case members) who use it. It is operated solely for the benefit of the members. Cooperatives are successful when supported by the members to create an efficient operation and when its members are committed to do a majority of their business with the cooperative. When you do business with First Choice Credit Union, you are doing business with yourself. That is a great partner to have! When you get a loan you are using the funds of the cooperative, your own funds as well as other members’ funds. When you pay interest, you are paying that money back into the cooperative. ### Benefits of Membership in the FCCU Cooperative - Ownership - Below market borrowing rates - Competitive saving options - Less and lower fees like overdraft - Online technology for access, convenience and service - Free checking - Large free ATM network - Management of the resources of the cooperative to return value to members ### How You Can Contribute to the Success of the FCCU Cooperative - Borrow and save at FCCU - Use mobile check deposit when possible - Sign up for electronic statements – saves the cooperative a lot in postage and paper while also keeping the world green. - Use online applications to apply for loans and new accounts - Use cash back and Free ATMs to conveniently access cash - Try texting and email for prompt service during business hours #### **How a Credit Union Cooperative Differs From Other Financial Institutions** Credit unions differ from other financial institutions in several ways. Take a look at the chart below to see some of the important differences: \[table id=47 /\] \[table id=48 /\] Learn more about [the cooperative principles of credit unions.](https://www.ncuf.coop/development-education/program/cooperative-principles/) ## Interested in FCCU? Become a member today! [Open an Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6aTxFMannzpCYi8Ezs1Dh2mb-MkjBNZ2OeWuv0-J-m88HBs0cLz7ro7SsOXAfCfuTMKykL5SsxyEFU1z_3Sx-AQ) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Holidays](https://www.firstchoicecu.org/holidays/) **Published:** December 2, 2023 **Author:** Brad Kindsfather **Content:** ## Holiday Loans & Skip-A-Pay ## Now Available! ## Holiday Skip-A-Payment It’s the season of giving, and First Choice Credit Union is offering some relief for the holidays! FCCU is now offering our annual holiday skip payments on personal and auto loans. Choose to skip your November, December, or January loan payment! To fill out a Holiday Skip-A-Payment form, click the link below, or text “Skip” to 561-641-0100 to receive the form on your mobile device. [Skip-A-Payment Form](https://na2.docusign.net/Member/PowerFormSigning.aspx?PowerFormId=f3c9c692-26d0-48b8-bc6b-96c4545b638f&env=na2&acct=7890f91d-c1c1-4716-b73e-91c46a11e661&v=2) ###### \*Link will take you to DocuSign for the secure form to submit your Skip-A-Payment request. Fees and restrictions may apply; see the form for more details. Mortgages and equity loans/lines do not qualify for skip-a-payments. First Choice Credit Union places an automatic skip payment for all members holding a credit card account during the month of December. ![Woman on her smart phone](https://www.firstchoicecu.org/wp-content/uploads/2024/10/holiday-loans.png "holiday loans") ## Holiday Loans ##### **Borrow up to $2000.00 to help with those holiday expenses!** It’s that time of year again! The Holidays are filled with joy and the spirit of giving. However, they can also be overwhelming and expensive. For these festive times of giving, First Choice Credit Union is proud to offer members holiday loans to help you cover those holiday costs! Now through **January 30, 2026**, qualified members can apply for a holiday loan for up to $2,000 with rates as low as 7% APR\* with a 12 month maximum term. [Apply Now](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=+plst&referralsource=Holidayloan) \[table id=77 /\] ###### 1Not all applications will qualify and are subject to income verification, identity verification, credit review, and ability to pay. First Choice CU reserves the right to change or cancel promotion at any time. Rates and terms are based on credit worthiness and loan amount. ###### 2APR = Annual Percentage Rate. Rates are subject to change. ###### 3Terms are based on the amount borrowed. For every additional $100.00 borrowed on the listed product, one month is added to the term of the loan. Terms and conditions are subject to change. \[table id=79 /\] --- ### [Mobile Privacy Policy](https://www.firstchoicecu.org/mobile-privacy-policy/) **Published:** September 29, 2025 **Author:** Ryan Jones **Content:** # Mobile Privacy Policy Last Updated: (10/14/2025) This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “**Services**”). **THE TYPES OF INFORMATION WE COLLECT IN THE APP** Through your use of the Services, we may collect personal information from you in the following ways: (a) Personal Information You Provide to Us. - We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account. - We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. - If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply. - We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services. (b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services. (c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as: - Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area. - Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access. - Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. - Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications. - Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked. - Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device. **HOW WE USE YOUR INFORMATION COLLECTED IN THE APP** (a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways: - facilitate the creation of, and secure and maintain your account; - identify you as a legitimate user in our system; - provide improved administration of the Services; - provide the Services you request; - improve the quality of experience when you interact with the Services; - send you administrative e-mail notifications, such as security or support and maintenance advisories; and - send surveys, offers, and other promotional materials related to the Services. (b) Compliance and protection. We may use your personal information to: - comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; - protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); - audit our internal processes for compliance with legal and contractual requirements and internal policies; - enforce the terms and conditions that govern the Service; and - prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft. (c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion. **DISCLOSURE OF YOUR PERSONAL INFORMATION** We disclose your personal information collected through your use of the Services as described below. (a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information. (b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App. (c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above. **LINKS TO OTHER SITES** The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit. **YOUR CHOICES REGARDING YOUR INFORMATION** You have several choices regarding use of information on the Services. (a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals. (b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us. (c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services. (d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App. **SAFEGUARDS AND RETENTION** We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information. **A NOTE ABOUT CHILDREN** The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible. **PRIVACY POLICY UPDATES** This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes. **CONTACT US** If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: ; or by mail at: First Choice Credit Union, 1055 S. Congress Avenue, West Palm Beach, FL, 33406. --- ### [Early Pay](https://www.firstchoicecu.org/early-pay/) **Published:** September 30, 2025 **Author:** Ryan Jones **Content:** ## Early Pay ## Get Your Paycheck Up to 2 Days Early! Good news, members! FCCU now offers **Early Pay**, giving you access to your paycheck and other ACH deposits **up to two days sooner**.\* #### How It Works When FCCU receives notice of an incoming direct deposit, we’ll release the funds to you right away. That means you get your money faster, without waiting until the scheduled payday! This feature is automatic, free, and available to all members with direct deposit! It’s just one more way FCCU is working to make your money work harder for you. If you don’t already have your paycheck deposited directly into your FCCU account, now’s the perfect time to make the switch and start enjoying Early Pay. When enrolling in direct deposit for your FCCU accounts, you’ll need your account information ready, such as: - FCCU Routing #: **267083349** - Your Account # ![](https://www.firstchoicecu.org/wp-content/uploads/2025/10/early-pay-banner.png "early pay banner") ###### \*First Choice Credit Union (FCCU) may make ACH payroll credits available up to two business days prior to the scheduled settlement date. This early availability is not guaranteed and is dependent on when we receive payment instructions from the originator. Funds made available early are provisional and subject to reversal if the originating financial institution fails to deliver the payment. You should not rely on early availability for time-sensitive transactions. This service is provided at the discretion of FCCU and may be modified or discontinued at any time without prior notice. For further information on Early Pay, please see the Membership Agreement --- ### [Credit Score & More](https://www.firstchoicecu.org/credit-score-and-more/) **Published:** August 20, 2025 **Author:** Ryan Jones **Content:** ## Credit Score & More ## Introducing SavvyMoney’s Credit Score & More! First Choice Credit Union has been paving the way for rate transparency based on credit score. What better way to do that than offering our members a free service that helps track their credit score and gives tips on how to get and keep a high credit score? FCCU has teamed up with SavvyMoney to bring you the Credit Score and More program! It doesn’t affect your credit score, is totally free, and offers you financial advice to help maintain a higher credit score. It can also get you special loan offers that can help reduce interest costs! Simply log in to FCCU Online Banking or our mobile app and navigate to the **More** tab to get started! ![](https://www.firstchoicecu.org/wp-content/uploads/2025/08/FirstChoiceCU_SMARTCredit_PhoneComponents-scaled.png "FirstChoiceCU_SMARTCredit_PhoneComponents") ## New to Credit Score & More? Here is a video from SavvyMoney introducing their Credit Score & More program! Sorry, your browser doesn't support embedded videos. ## Frequently Asked Questions Here are some frequently asked questions about SavvyMoney, the Credit Score and More system, and how it interacts with FCCU! [What is Credit Score and More?](#8907553112b773bb6) **Credit Score and More** is a comprehensive, free credit score program offered by FCCU that helps you stay on top of your credit. Get your latest credit score and report, an understanding of key factors that impact the score, and special loan offers that can help reduce your interest costs. With this program, you always know where you stand with your credit. Credit Score and More monitors your credit report daily and informs you by email if there are any big changes detected such as: the opening of a new account, change in address or employment, or a reported delinquency or credit inquiry. Monitoring also helps you keep an eye out for identity theft. [What is my credit report in the Credit Score and More program?](#cfeb95dec15e93610) The Credit Score and More credit report provides all the information you would find on your credit file, including a list of open loans, accounts, and credit inquiries. You can see details on your payment history, credit utilization, and public records that show up on your account. There is never a negative impact to your credit report or credit score when you access them through Credit Score and More. [What is SavvyMoney?](#5fe965cec0d938c73) SavvyMoney is an American corporation based in Pleasanton, CA that pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. ***Credit Union Name*** has partnered with SavvyMoney to bring our Members Credit Score and More at no cost. [How do I contact SavvyMoney with any problems or feedback?](#32367951506ad81f3) On any screen within the Credit Score and More widget, scroll to the bottom and use “Contact Us” to contact SavvyMoney. You can also contact CU SoCal at 866.287.6225, Monday-Friday 9 a.m.-6 p.m., and Saturday 9 a.m.-1 p.m. We’ll do our best to solve any challenges you are experiencing. [Is there a fee?](#1980b8069ae820fa3) No. Credit Score and More is a free service to all members of First Choice Credit Union. [Will accessing my credit score negatively impact my credit?](#2e3f09a9ff9d30fb1) Accessing your credit score is a “soft inquiry,” which does not affect your credit. Lenders use “hard inquiries” to make decisions about your creditworthiness when you apply for loans, but a consumer checking their own credit report or credit report has no negative affect. [How often is my credit score updated?](#31c90d9ce1e03930a) As long as you regularly log on to Online or Mobile Banking, your credit score will be updated every month and displayed in Online or Mobile Banking. You can click “Refresh Score” as frequently as every day in the Credit Score and More widget in Online and Mobile Banking. Refreshing your score does not negatively affect your credit score or credit health. You can check it every day without worry. [How does the Credit Score and More credit score differ from other credit scores?](#ee1e04369f9e7b915) Credit Score and More pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health. [Why do credit scores differ?](#a0bb6e4471b73e0df) There are three major credit-reporting bureaus—Equifax, Experian, and TransUnion and two scoring models: FICO or VantageScore—that determine credit scores. More than 200 factors in a credit report may be taken into account when calculating a score, and each scoring model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, and Bad 500 or less. [Will FCCU use the Credit Score and More credit score to make loan decisions?](#58c609f892dbcb586) No, First Choice Credit Union uses its own lending criteria for making loan decisions. [Will Credit Score and More share my credit score with FCCU?](#d32cb91e4f2ccd1d2) No, your Credit Score and More credit score will not be shared with ***Credit Union Name***. It is a free service to help you understand your credit health, how to improve your score, and gain access to special lending offers from ***Credit Union Name***. [How does Credit Score and More keep my financial information secure?](#4ee933aa60b995355) Credit Score and More uses bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party. [What if the information provided by Credit Score and More credit reports appears to be wrong or inaccurate?](#4ded9a5a8d7356a53) The Credit Score and More credit score is not intended to be comprehensive and may not provide all the information about your credit accounts. That’s why we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com to look for any incorrect information or discrepancies across all three bureaus. However, you can initiate a dispute of a credit report error by clicking “Start a Dispute” at the bottom of the credit report within the Credit Score and More widget. Even though your dispute is initiated through your TransUnion credit report within Credit Score and More, the dispute will be sent to all three credit bureaus. Bear in mind that each credit bureau has its own process for correcting inaccurate information. For more information about correcting errors on credit reports, visit www.FTC.gov, the Federal Trade Commission website. [There is a section in Credit Score and More that features both Credit Union Name loan offers and financial education articles. Why am I seeing this?](#98ba7e9fa27c8e643) Based on your Credit Score and More credit score information, you may receive ***Credit Union Name*** offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the Credit Score and More team, are designed to provide helpful tips on how you can manage credit and debt wisely. [Does Credit Score and More offer credit report monitoring as well?](#469cbb24ff1f847a2) Credit Score and More will monitor and send email alerts when there’s been a change to your credit profile. [How do I change my email address or other personal information?](#80543cfae9bfc891f) As long as you have updated your email address in First Choice Credit Union’s Online and Mobile Banking platform, no further action is required. Your email address will be updated automatically in Credit Score and More. [Who is eligible to use Credit Score and More?](#f174265ed2e10579d) Credit Score and More is available to most Members registered for digital banking that are 18 and older with a SSN or ITIN. Business, fiduciary, or Members with restricted accounts may not be able to use this service. For questions regarding eligibility, please contact us. ### Have any questions? FCCU members can contact SavvyMoney directly for support! - ##### Mail: 4160 Dublin Blvd Suite 250, Dublin, CA 94568 - ##### Email: support@savvymoney.com - ##### Phone: (844) 513-5777 --- ### [Sitemap](https://www.firstchoicecu.org/sitemap/) **Published:** September 25, 2023 **Author:** Josh Marruffo **Content:** ## First Choice Sitemap Toggle Navigation- [Mobile Privacy Policy](https://www.firstchoicecu.org/mobile-privacy-policy/) - [Privacy Policy](https://www.firstchoicecu.org/privacy-policy/) - [Universal Acccount Membership Agreement](https://www.firstchoicecu.org/universal-acccount-membership-agreement/) - [Disclosures and Fees](https://www.firstchoicecu.org/disclosures-and-fees/) --- ### [Credit Cards](https://www.firstchoicecu.org/mastercard/) **Published:** September 15, 2025 **Author:** Ryan Jones **Content:** ## Credit Cards ## **Coming Soon: FCCU VISA Credit Cards!** ##### First Choice Credit Union (FCCU) is excited to announce that we are transitioning to a new VISA Credit Card! - Applications for the new card will open in **mid-November 2025**. - Current FCCU MasterCard holders will be automatically upgraded and issued a new VISA Credit Card. - Existing MasterCard cardholders will be contacted directly with details prior to the transition. --- ### [Locations](https://www.firstchoicecu.org/locations/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Locations ![FCCU main branch](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_main-branch.jpg "resources_main branch") ### A Financial Cooperative One of the First Choice Credit Union advantages of having limited locations is our cost structure. This enables FCCU to return greater value to our members. Click below to understand the principles for operating the FCCU Financial Cooperative. [A Financial Cooperative](https://www.firstchoicecu.org/a-financial-cooperative/) ## West Palm Beach – Main Office [View on Google Map](https://www.google.com/maps/place/1055+S+Congress+Ave,+West+Palm+Beach,+FL+33406/@26.6609991,-80.0914941,17z/data=!3m1!4b1!4m6!3m5!1s0x88d8d7e79049d81b:0x306e513e73ad2c1c!8m2!3d26.6609943!4d-80.0889192!16s%2Fg%2F11bw42_ddf?entry=ttu) **1055 S. Congress Ave.** West Palm Beach, FL 33406-5195 **Call Us** Tel: (561) 641-0100 Toll Free: (800) 449-3328 CALL 24: (561) 642-6686 CALL 24: (800) 731-3328 Fax: (561) 641-2735 **Lobby Hours** Monday, Tuesday & Thursday: 9:00 a.m. – 5:00 p.m. Wednesday: 10:00 a.m. – 5:00 p.m. Friday: 9:00 a.m. – 6:00 p.m. **Contact Center Hours** Monday, Tuesday & Thursday: 8:00 a.m. – 5:00 p.m. Wednesday: 10:00 a.m. – 5:00 p.m. Friday: 8:00 a.m. – 6:00 p.m. **Drive-Thru Hours** Monday – Thursday: 8:00 a.m. to 5:00 p.m. Friday: 8:00 a.m. to 6:00 p.m. ![Medical center branch building](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_medical-center-branch.jpg "resources_medical center branch") ## VA Medical Center Branch [View on Google Map](https://www.google.com/maps/place/7305+N+Military+Trl,+West+Palm+Beach,+FL+33410/@26.7851034,-80.113599,17z/data=!4m6!3m5!1s0x88d92a88d06e503f:0xa8107762645b3982!8m2!3d26.7851561!4d-80.1115712!16s%2Fg%2F11l3h5lj95?entry=ttu) **7305 N. Military Trail** (in VA Medical Center) Palm Beach Gardens, FL 33410 **NOTE: This branch does not offer cash services.** ATM on-site in the hospital. **Office Hours** Monday, Tuesday, Thursday & Friday: 9:00 a.m. – 5:00 p.m. Wednesday: 10:00 a.m. – 5:00 p.m. Closed Daily from 1:30 p.m. – 2:00 p.m. **Contact Center Hours** Monday, Tuesday & Thursday: 8:00 a.m. – 5:00 p.m. Wednesday: 10:00 a.m. – 5:00 p.m. Friday: 8:00 a.m. – 6:00 p.m. ### CO-OP Shared Branches [CLICK HERE](https://co-opcreditunions.org/locator/?ref=co-opsharedbranch.org&sc=1) to find a CO-OP Network Shared Branch Location. ## ATMs ### **PUBLIX ATMs – FREE ATM TRANSACTIONS** First Choice Credit Union (FCCU) is proud to offer members convenient access to a large network of **completely free ATMs**. Enjoy **no-fee ATM withdrawals** at: - Over **65 Publix locations** in Palm Beach County - Nearly **900 Publix ATMs** across Florida - More than **1,400 Publix ATMs** nationwide These ATMs are part of the **Presto! Network**, exclusively available at Publix supermarkets. ### **MONEYPASS SURCHARGE-FREE NETWORK** FCCU is also a member of the **MoneyPass® Network**, providing additional ATM access nationwide. - **ATM owner fees are waived** at MoneyPass locations - **FCCU charges a $2 convenience fee** per transaction at these ATMs While not completely free, using a MoneyPass ATM helps you **avoid third-party ATM surcharges**, which can [CLICK HERE](https://www.moneypass.com/atm-locator.html) to find a Surcharge-Free **MoneyPass®** ATM. ###### \*Transaction fees imposed by other institutions are the responsibility of the member. ### To Avoid Additional ATM Withdrawal Fees: - Use your FCCU check card or ATM card to purchase items and receive cash back at many participating merchants. - Make withdrawals at our **FCCU ATM located inside the VA Medical Center.** ### **Debit Card Security** FCCU has taken strong measures to assist in preventing debit card fraud and to keep your records and financial information secure. Our debit card processor monitors our complete debit card portfolio for “out of the normal spending patterns.” When our processor detects an “out of the normal spending pattern,” they will call you to verify the debit card activity. If our debit card processor cannot reach you, your card may be temporarily frozen until they can verify the activity. ### **Using Your Debit Card Out of Town** To avoid having your card potentially restricted while traveling, you may wish to notify the credit union if you will be going out of town. We will gladly notify our card processor of the dates you will be out of the area, so any transactions conducted there won’t be considered “out of the normal spending pattern.” This gives you the flexibility and confidence to enjoy your travels. --- ### [Young Adult Car Loans](https://www.firstchoicecu.org/young-adult-car-loans/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Young Adult Car Loans ## Your FIRST STEP Toward Financial Responsibility and Independence! Let us green light your freedom. We understand the unique challenges of young adults who are often balancing the demands of school and work. And we understand how difficult it is to obtain credit for the first time, which is why we created this unique opportunity for our younger members. FCCU has designed a program for members ages 18-24 to help remove many of the barriers that prevent a young person from financing a car at a reasonable rate. **Unique features include:** - Acceptability of older vehicles. - Various loan terms based on the dollar amount of the loan. - Less stringent income and employment requirements. - Has the option of signing with an adult. - One flat rate: **8.99%** - Max loan amount: **$15,000** In addition to taking the first steps to establishing their own credit, this program also has benefits for the parent. - The loan won’t tie up your credit availability if you don’t need to co-sign. - The loan offers your child the opportunity to develop some financial independence. - We will counsel the young adult on the importance of financial responsibility, building their credit score, and other related topics. - The loan has rewards in the form of rate discounts that encourage saving and good grades in school. - The confidence that your credit union will serve your child’s best interest. [Apply Today](https://app.consumer.meridianlink.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Woman wearing sunglasses driving her car](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_young-adult-car-loans.jpg "Borrow_young adult car loans") ### Tell Your Friends and Family If you have friends at [school or work](https://www.firstchoicecu.org/join-fccu/) who are hoping to get a car too, we invite you to tell them about this great program available at First Choice Credit Union. --- ### [HE/HELOC](https://www.firstchoicecu.org/he-heloc/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Home Equity/HELOC ## Home Equity /HELOC For most members, the equity in their home is their greatest source of borrowing power. Tap into your home’s value to remodel your dream kitchen, plan a family vacation, fund your children’s college tuition, or simply pay for large expenses with ease. FCCU has convenient options to meet your varying needs: a home equity loan or a home equity line of credit (adjustable rate or fixed rate). [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Subruran house](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_he-heloc.jpg "Borrow_he-heloc") #### Home Equity Loan [![Home](https://www.firstchoicecu.org/wp-content/uploads/2024/01/house-2-600x503.png "Home Equity Loan")](https://www.firstchoicecu.org/home-equity-loan/)Our Home Equity Loan is a great fixed-rate borrowing option with a specific payout term. Choose between a 5-15 year term that meets your needs. We also offer special benefits for those who refinance with this option! #### Home Equity Line Of Credit [![Home](https://www.firstchoicecu.org/wp-content/uploads/2024/01/house-1-600x503.png "Home Equity Line Of Credit")](https://www.firstchoicecu.org/home-equity-line-of-credit/)FCCU's Home Equity Line Of Credit is perfect for getting quick cash out of your home for any immediate need. It can be fixed-rate or adjustable and you only pay back what you use at the end of the five year draw period! ## No Insurance? No Problem! Most lenders are unable to help borrowers who are not able to keep up the costs of Homeowners’ Insurance and Windstorm Insurance since they require these insurances to allow for home equity borrowing. In these cases, FCCU has your back! Check out our **No Insurance Home Equity Loan**! [Learn More](https://www.firstchoicecu.org/no-insurance-home-equity/) ## Product Comparison Find the right home equity account for your financial needs: a loan or line of credit. [Advantages](#c84bc517afd19339f) Home Equity Loan Home Equity Line of Credit Interest rates are locked in over the life of the loan for most Second Mortgages. Homeowners don’t have to worry about unexpected rises in their mortgage monthly payments. If you don’t know for sure how much money you will need over a period of time, a HELOC allows the borrower to take advances as they need. As you pay it back, it frees up more credit. A borrower will typically enjoy lower monthly payments since the period of the Second Mortgage is usually longer, such as 15 years. Borrowers typically have lower monthly payments versus a Second Mortgage. Since a Second Mortgage loan is a one-time, lump sum, some homeowners may find it easier to avoid additional debt versus a HELOC where you can continuously draw down money from the loan. Borrowers have the flexibility of choosing adjustable or fixed-rate HELOC options. [Good Choice If](#b42c9107923802278) Home Equity Loan Home Equity Line of Credit You prefer fixed monthly payments that won’t change. A lower interest rate is more important than the possibility of an increase in your monthly mortgage payment. A longer loan term is necessary. It is uncertain how much money you will need to borrow and when. [Other Considerations](#950a3dc34612aa82c) Home Equity Loan Home Equity Line of Credit Since Second Mortgage loans are fixed rate loans, if interest rates fall, the borrower will end up paying more in interest versus a HELOC which usually uses a variable rate that adjusts downward. When choosing a variable rate option, a borrower will not have the security of locked in payments. As interest rates change, so will the monthly payment. Since the life of the loan is longer, for example 15 years, you end up paying more in interest. A HELOC has a shorter loan length which will require faster payment. You only receive money one time, so if additional costs arise, the borrower would need to apply for a new loan or consider refinancing. Borrowers will have the freedom of only borrowing however much they need and only paying back that amount. ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Courtesy Pay and Overdraft Protection](https://www.firstchoicecu.org/courtesy-pay-and-overdraft-protection/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Courtesy Pay and Overdraft Protection ## Courtesy Pay Sometimes shortages happen. No matter the reason, First Choice Credit Union (FCCU) is here for you when you need it most! FCCU Courtesy Pay is an overdraft service that is accessible when there is not sufficient money in your checking account to cover a purchase or expense. The Courtesy Pay program provides a cushion up to $500 to cover overdraft situations by check, ACH item, and recurring debit transactions you have established. This creates a negative balance in your account that will need to be satisfied within 14 days. Without the Courtesy program, these items will not be paid and an overdraft fee will be charged. ![Hand holding out for another hand](https://www.firstchoicecu.org/wp-content/uploads/2024/09/help-when-you-need-it-most-2.png "help when you need it most (2)") #### **Enhanced Benefits with Opt-In** The Courtesy Pay program can be enhanced further when you Opt-In to use your debit card. This enables you to access the cushion when shopping or even at the ATM for emergency cash. #### **Why Choose FCCU’s Courtesy Pay?** The Courtesy Pay program can save you money, embarrassment, and other consequences when you struggle to meet your obligations when due. Nothing is better than strong personal financial management but when you need that extra help FCCU is there. #### **Affordable Fees** There is a fee of $15 for each item paid by the Courtesy Pay program. FCCU has been a leader in efforts to make our program affordable. The FCCU fee is less than half of the average for other Palm Beach County credit unions. ## Lending a Helping Hand Wherever We Can. Some of the key benefits of our Courtesy Pay program include: - **Protect Your Reputation and Save Fees:** When you send a 3rd party a check and it is refused they will charge you a fee and may treat you as a less valued customer. - **Improved Financial Flexibility:** It provides a buffer that can be useful in managing cash flow, especially in situations where unexpected expenses arise or there are timing mismatches between income and expenses. - **Emergency Cash:** Allows you to avoid use of expensive and abusive payday lending businesses. - **Reduced Stress and Peace of Mind:** Knowing that there’s a safety net in place can reduce financial stress and provide peace of mind, particularly during months when finances are tight. - **Convenience:** It can simplify the management of your personal finances by ensuring that transactions are processed even if there’s a temporary shortfall in the account balance. - **Credit Score Protection:** By preventing bounced checks or declined transactions, it helps protect the consumer’s credit score, as these can sometimes impact creditworthiness if reported. - **Increased Purchase Power:** It allows for larger transactions or emergency purchases that might otherwise be declined, helping consumers take advantage of opportunities or address urgent needs. #### **ELIGIBILITY AND REQUIREMENTS** After 90 days of Membership, all checking account holders, except Youth and Fresh Start checking accounts, are provided the opportunity to utilize the Courtesy Pay service. Negative balances must be brought current within 14 days. The service is considered a privilege and may be discontinued. ###### $15 per each transaction. Courtesy Pay with Opt In for debit transactions will cover debit transactions including ATM and checks. Courtesy pay without Opt In only includes checks, ACH items, and recurring debit transactions. Courtesy pay negative balances are expected to be satisfied within 14 days. Courtesy Pay is a privilege program that may be terminated with reasonable notice to the member. To open an account with this service, click the link below! [Apply Now](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6aTxFMannzpCYi8Ezs1Dh2mb-MkjBNZ2OeWuv0-J-m88HBs0cLz7ro7SsOXAfCfuTMKykL5SsxyEFU1z_3Sx-AQ) To fill out the Debit Transaction Opt-In Form for an existing FCCU account, click this link! [Debit Opt-In Form](https://na2.docusign.net/Member/PowerFormSigning.aspx?PowerFormId=313acf99-4f2f-44a5-8aec-b710dab1fc1b&env=na2&acct=7890f91d-c1c1-4716-b73e-91c46a11e661&v=2) ## Overdraft Protection Reduce Courtesy Pay fees with overdraft protection. Subject to application and approval, this coverage transfers funds from your savings or overdraft LOC. Contact an FCCU representative for full details and to establish overdraft protection. To enroll in these programs with an existing FCCU account, contact a representative or schedule an appointment! ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Scholarship](https://www.firstchoicecu.org/scholarship/) **Published:** July 1, 2024 **Author:** Ryan Jones **Content:** ## **Tony Marasciullo Scholarship** ## Join Us in Celebrating the Service of Our Board. Director Tony Marasciullo resigned after serving as a First Choice Credit Union volunteer for over 40 years. FCCU feels that the named scholarship will be a lasting recognition for Tony as a show of appreciation for his service. The $1,000 scholarship will be offered in late July – early August each year in advance of the upcoming school year. The Tony Marasciullo Scholarship will be further identified by a plaque to be displayed prominently at FCCU, which will include the names of the scholarship recipients. This is First Choice Credit Union will start accepting applications on **July 1st**. The deadline for new applications will be **July 31st.** The application process and criteria are as follows: - Applicant must be a Member. - May not be an employee family Member using the definition established in the HR Policy. - Must present evidence of enrollment in college or trade school. ***(NOTE: Please do not enter Social Security numbers or other sensitive, personal data.)*** First Name \* Last Name \* Email Address \* Member Number \* Your Address \* City \* State \* Zipcode \* How has being an FCCU member helped you? (Optional) Please upload proof of application to your college or trade school \*Click or drag a file to this area to upload. [Choose File](javascript:void();) send message Application submitted successfully. Thank you! × There was an error trying to send your application. Please try again later. × --- ### [On The Go](https://www.firstchoicecu.org/on-the-go/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## On The Go ## Your Finances Move at the Speed of Life. Get the banking access tools that move with you! [![Hand texting](https://www.firstchoicecu.org/wp-content/uploads/2024/02/Texting-Services.png)](https://www.firstchoicecu.org/texting-services/) [![Man on computer](https://www.firstchoicecu.org/wp-content/uploads/2024/08/Online-Payments.png)](https://www.firstchoicecu.org/payment/) [![Woman with card and phone](https://www.firstchoicecu.org/wp-content/uploads/2024/08/Mobile-Banking.png)](https://www.firstchoicecu.org/mobile-banking/) ## Banking Done Your Way. Get access to your account anytime, anywhere. [![Couple making purchase with card](https://www.firstchoicecu.org/wp-content/uploads/2024/08/Home-Banking.png)](https://www.firstchoicecu.org/home-banking/) [![Woman with card and phone](https://www.firstchoicecu.org/wp-content/uploads/2024/08/Debit-Card-Control.png)](https://www.firstchoicecu.org/debit-card-control/) [![Woman on a video call](https://www.firstchoicecu.org/wp-content/uploads/2024/02/Video-Banking.png)](https://www.firstchoicecu.org/videobanking/) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Holiday Club](https://www.firstchoicecu.org/holiday-club/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Holiday Club ## Holiday Club Give yourself the gift of more breathing room when the holidays come around. Plan ahead for all of your holiday expenses the easy way, with a First Choice Credit Union Holiday Club account. You can make your deposits in person at any of our [branches](https://www.firstchoicecu.org/locations/), through [Home Banking](#), or the convenience of payroll deduction. Best of all, you’ll earn dividends on your Holiday Club account. Early in November of each year, we will automatically transfer your Holiday Club funds, plus dividends, into your share account. Your funds are available immediately, so you can start shopping early, avoid the December crowds, and not worry about money matters! [**See Deposit Rates**](https://www.firstchoicecu.org/rates/#deposit) [Open an FCCU Holiday Club Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) ![Woman kissing mans cheek](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_special-accounts.jpg "deposit_special accounts") Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Annual Reports](https://www.firstchoicecu.org/annual-reports/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Annual Reports ## Annual Reports First Choice Credit Union is a member-owned cooperative financial institution focused on providing leading value, guidance, service, and support to our membership. Annually, we share a “state of the credit union” report through our Annual Report. ### [2023 Annual Report](https://www.firstchoicecu.org/wp-content/uploads/2024/05/Annual-Report-2023.pdf) ### [2022 Annual Report](https://www.firstchoicecu.org/wp-content/uploads/2023/10/FC-Ann-Rpt-2022.pdf) ### [2021 Annual Report](https://www.firstchoicecu.org/wp-content/uploads/2023/10/FC-Ann-Rpt-2021.pdf) ### [2020 Annual Report](https://www.firstchoicecu.org/wp-content/uploads/2023/10/FC-Ann-Rpt-2020.pdf) --- ### [Debit Card Rewards](https://www.firstchoicecu.org/debit-card-rewards/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Debit Card Rewards ## Program Overview The Debit Card Reward Program is a cash-back rewards feature available by using your FCCU debit card as described below at participating businesses. Find the rewards program information under Additional Services within online banking and under More on our mobile app. ### How to Sign Up: **First**, login to your FCCU account. **Second**, navigate to the ***Additional Services*** tab on the menu bar. Once there, click on ***Purchase Rewards***. **Lastly**, click ***Join Now*** and browse offers you would like to redeem! ![](https://www.firstchoicecu.org/wp-content/uploads/2024/05/DCR-1-1080-x-783-px.png "DCR 1 (1080 x 783 px)") ### Types of Offers: **There are two ways to redeem offers; an offer will specify one or both:** - **In-store offer:** Must shop at the actual store. - **Online offer:** Must make the purchase online. **Offers typically include:** - Defined promotional period (how long the offer lasts) - Reward amount - Condition to qualify for the reward (e.g., spend $15 and get $3 back; must spend the $15) - **Note that a general, unstated condition is that consumer must always use the debit card tied to the reward.** ### Rewards Process 1. **Load an offer:** a. Consumer MUST click on it and must load the offer in order to redeem it. b. Consumer also needs to click the offer to see all of the pertinent information; if you don’t click, you may miss important offer details and directions 2. **Redeem an offer:** a. Consumer must spend the minimum amount, at the correct merchant, within the offer period. b. Consumer uses the debit card associated with the account that received the offer. c. For the merchants, nothing happens differently at the point of sale/purchase d. Rewards will typically display two to three days after purchase but may take longer. Even if a transaction doesn’t post until after the offer period, it will still redeem because the redemption is based on the day the transaction occurred, not the day the transaction posted. 3. **Get reward deposit:** a. Rewards are credited at the end of the next month. For example, if the offer is redeemed in October, the reward will be deposited at the end of November. b. Because we don’t share consumers private information, we are unable to credit the account immediately. ### Managing Offers & Account **Where do offers appear?** - Offers will appear on the online banking home page in the FCCU Purchase Rewards widget, as well as in a widget in the checking account history. - Offers will also appear on the rewards summary page. Offers are tied to a specific account, so they will only appear on the account details screen for that account. ## How to Opt Out of Receiving Offers From the ***Purchase Rewards*** tab, click on the three-lined menu button below the blue menu bar. Then, click on ***Opt-Out***. ![](https://www.firstchoicecu.org/wp-content/uploads/2024/05/DCR-2.png "DCR 2") --- ### [Rates ( Cloned )](https://www.firstchoicecu.org/rates-cloned/) **Published:** May 16, 2024 **Author:** Ryan Jones **Content:** ## Rates [See Our Home Equity Rates](https://www.firstchoicecu.org/rates-cloned/#home-equity-rates) [See Our Deposit Rates](https://www.firstchoicecu.org/rates-cloned/#deposit) [Try Our Loan Calculator](https://www.firstchoicecu.org/rates-cloned/#loan-calculator) \[table id=17 /\] [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans/#discounts) [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=18 /\] [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans/#discounts) [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=23 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans#discounts) \[table id=24 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) [Auto Loan Rate Discounts](https://www.firstchoicecu.org/auto-loans#discounts) \[table id=3 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=22 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=4 /\] \[table id=51 /\] \[table id=5 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=49 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) \[table id=9 /\] \[table id=6 /\] [Cooperative Discount](https://www.firstchoicecu.org/auto-loans#cooperative-discount) ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. ###### 2Rate discounts are not available for Home Equity, Home Equity Line of Credit, or MasterCard loans. ###### 3Variable rate and subject to change. ###### 4Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change. ## Home Equity Rates \[table id=41 /\] \[table id=42 /\] \[table id=43 /\] \[table id=44 /\] \[table id=45 /\] \[table id=46 /\] ###### 1 APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. ###### 2 Rate discounts are not available for Home Equity or Home Equity Line of Credit. ###### 3Adjustable Rate. Prime Rate -1% for A+ Credit and -.75% A Credit. The maximum rate on a HELOC Adjustable is 16%. ###### 4Non-Primary Residence will be .50% above applicable regular rate. A HELOC is not offered for Non-Primary Residence property. ###### 5Payments do not include taxes and insurance which are the obligation of the borrower. ###### 6Terms of Repayment Example $50,000 loan, 6.25% interest rate, 180 monthly payments of $427.88. ###### 7First Position indicates there will be no other lienholder other then First Choice Credit Union. If the applicant is not in First Position as indicated here the loan is a Second Position loan. ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Equal_Housing_Opportunity-150x150.png) **FIRST CHOICE CREDIT UNION IS AN EQUAL HOUSING LENDER** ## Deposit Rates \[table id=10 /\] \[table id=11 /\] \[table id=12 /\] \[table id=13 /\] \[table id=14 /\] \[table id=68 /\] \[table id=69 /\] \[table id=70 /\] \[table id=71 /\] \[table id=72 /\] ###### Rates/terms subject to change at the discretion of the FCCU Board of Directors. 9/1/2023 Quarter ending September 30, 2023 ###### \* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of September 30, 2023. ###### \*\* A penalty will be imposed for early withdrawals on all certificate accounts. Certificate terms are listed in months. ![](https://www.firstchoicecu.org/wp-content/uploads/2023/09/WhtENGinsurlabel-300x141.png) *### Loan Calculator Loan Amount?: Number of Months? (#): Annual Interest Rate?: Payment Method?: End-of-Period Start-of-Period --- Monthly Payment: Total Interest: Total Principal & Interest: Calc Clear Print Help Payment Schedule Charts ©2026 AccurateCalculators.com $ : mm/dd/yyyy Original Size* --- ### [Bank & Save](https://www.firstchoicecu.org/bank-save/) **Published:** January 5, 2024 **Author:** Ryan Jones **Content:** ## Bank & Save ## Bank with us and become a member of FCCU. We understand our members lead busy lives and no one wants to feel like their time is being wasted. That’s why we’re dedicated to making your banking experience as quick and easy as possible. Switch to FCCU to gain access to all First Choice Credit Union perks including our mobile banking system, various checking and saving account options, and investment opportunities you won’t find anywhere else. [Download our Switch Kit](https://www.firstchoicecu.org/wp-content/uploads/2023/09/FCCU_Switch-Kit_2023.pdf) [![Couple using tablet on couch](https://www.firstchoicecu.org/wp-content/uploads/2024/01/checking.png)](https://www.firstchoicecu.org/checking/) [![Older couple on laptop](https://www.firstchoicecu.org/wp-content/uploads/2024/01/savings-1.png)](https://www.firstchoicecu.org/savings/) [![Woman doing her finances](https://www.firstchoicecu.org/wp-content/uploads/2024/01/mm-cd-ira.png)](https://www.firstchoicecu.org/money-market-cd-ira/) ## Share Insurance Estimator When you bank or invest with FCCU, your deposits are federally insured. Whether they were in a money market account, a value checking account, or even a CD, we’ve got you covered. Check out the Share Insurance Estimator over at mycreditunion.gov to find out just how much you’re insured. [Share Insurance Estimator](https://mycreditunion.gov/share-insurance-estimator-faq) [![MyCreditUnion.gov logo](https://www.firstchoicecu.org/wp-content/uploads/2024/01/mcu-logo.png)](https://mycreditunion.gov/) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [State Licensed Professionals](https://www.firstchoicecu.org/state-licensed-professionals/) **Published:** May 2, 2024 **Author:** Ryan Jones **Content:** ## State Licensed Professionals ## First Choice welcomes all licensed professionals in South Florida. In 1993, First Choice Credit Union expanded its field of membership to include Florida State licensed professionals. It came to our attention that many of these professions did not have access to a credit union at that time. We were excited to be able to offer the benefits of a cooperative to all the diverse professions that make the economy thrive. Since that time, we have attracted members representing the majority of professions. We have a strong following with many of the groups. We also expanded eligibility even further to include individuals holding a professional license from the State of Florida and living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades or Hendry counties. We have found that individuals in specific professions often share similar characteristics and are interested in similar value and service from a financial institution. We are fortunate to get good word of mouth among many of our professional groups. Over the years, we have built a strong following based on our great products that benefit both borrowers and those looking to save. Browse our website and find out for yourself. We look forward to having you join the First Choice Credit Union [cooperative](https://www.firstchoicecu.org/a-financial-cooperative/) and experiencing the credit union difference. [Join Now](https://app.consumer.meridianlink.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQDl6WvSpyldOLw-u3iOooV_5-zMmnGbfy0C9leDGJ1nwtp8uo7I6vewv4qQmbNAMBuTh_AlPRTAxni9SBNLYXbHhLOJkTgsLUXpn1Uw0zVj8) - ![Construction workers](https://www.firstchoicecu.org/wp-content/uploads/2024/05/SLP-1.png) - ![Hair stylist working on hair](https://www.firstchoicecu.org/wp-content/uploads/2024/05/SLP-2.png) - ![Doctors talking](https://www.firstchoicecu.org/wp-content/uploads/2024/05/SLP-3.png) - ![Teacher helping student](https://www.firstchoicecu.org/wp-content/uploads/2024/05/SLP-4.png) - ![Farmer on tractor](https://www.firstchoicecu.org/wp-content/uploads/2024/05/SLP-5.png) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Payment](https://www.firstchoicecu.org/payment/) **Published:** November 28, 2023 **Author:** Brad Kindsfather **Content:** ## Online Payments and Account Deposits ## Make a payment and deposit using your Visa or MasterCard First Choice Credit Union now offers easy online payments from your Visa debit card or MasterCard. Simply use our secure payment form by DocuSign to submit your loan payment or deposit. We will process the transaction during normal business hours. [Online Payment Form](https://na2.docusign.net/Member/PowerFormSigning.aspx?PowerFormId=b4eb980f-cc02-41c4-b7d6-1901449296a0&env=na2&acct=7890f91d-c1c1-4716-b73e-91c46a11e661&v=2) ###### \*Link will take you to DocuSign for secure payment. Fees and restrictions may apply and transactions are processed as cash advances. --- ### [IRAs](https://www.firstchoicecu.org/iras/) **Published:** October 3, 2023 **Author:** Josh Marruffo **Content:** IRAs ## IRAs Make sure your golden years are truly golden. An IRA account is an ideal place to hold retirement savings funds. This account also allows for easy IRA and 401(k) rollovers. Our IRA options provide great flexibility and include Roth and Traditional IRAs. - Contributions are tax-deductible on both state and federal tax returns for the year the contribution was made. - Distributions will be counted as part of your taxable income. - Must reach age 59.5 to withdraw without paying income tax as well as a 10% penalty. - Must have earned income to qualify. - Contributions can be made at any age, but are mandatory past age 73. ### Roth IRAs FCCU also offers a Roth IRA account option as well, ensuring multiple options for safeguarding your retirement savings. - Contributions to this account are not tax deductible, but earnings from the account as well as withdrawals from it are generally tax-free. - Must have earned income to qualify. - No age restrictions, including for contributions. ### **Coverdell Education Savings Accounts (ESAs)** ESA accounts are a great way to begin saving money for a child’s education expenses. - The designated beneficiary must be an individual under the age of 18. The age-18 limitation will not apply to any designated beneficiary with special needs. - Annual contributions to Coverdell ESAs **cannot exceed $2,000** per student per calendar year. This applies even when a student has more than one account – you can still only deposit a total of $2,000 across all of the accounts. [IRA Share Certificates are also available.](https://www.firstchoicecu.org/cds/#ira-certificates) For additional information, we’d also encourage you to visit [Open an FCCU IRA](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) [table id=13 /] ## CDs & IRAs Your peace of mind is worth saving for. Certificates of Deposits and IRAs are often an important piece of a sound savings strategy. Certificates require that funds remain in the account for a period of time, and, in return, they pay a higher dividend rate than other savings accounts. Individual Retirement Accounts (IRAs) are a key tax management and saving strategy for retirement and future planning. Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Specials](https://www.firstchoicecu.org/specials/) **Published:** December 19, 2023 **Author:** Ryan Jones **Content:** ## Specials ## Specials Looking for special deals and bonuses? You’ve come to the right place! Check this page monthly for FCCU current events, promotional deals on products, giveaways, and more! ## April 2024 **Certificates of Deposit** Investing can be an overwhelming subject. There are many options to choose from and each one may serve a different purpose and offer different rewards. So, where does someone begin investing? A Certificate of Deposit (CDs) can be a great option as an introductory investment or portfolio diversity agent. This is because of the options for short and long terms as well as the range of initial deposits you can put down on one. **Features** CDs never put your principal at risk, unlike other investment options such as stocks or bonds. This is because the Annual Percentage Yield (APY) on the CD is fixed until the end of the term of the CD purchased. There are still issues to evaluate, such as how long you are willing to lock up your money if at all. There are penalties imposed on those who withdraw money from the CD before it has fully matured, so consider how much you will invest and how long you plan on accumulating savings. **CD Ladders** A CD Ladder refers to when your investment portfolio has multiple CDs with varying short and long terms. The risk associated with CDs comes into play when locking funds in. If one is not careful, they may lock themselves out of their investment when they may need it or could invest the money being saved into a better opportunity. This is where CD Ladders can help! By investing in multiple CDs at varying, increasing terms, an investor will always have money coming in and will ultimately reduce the amount of time that they are locked out of all of the assets they invested. **To apply, click the button below and it will take you offsite to our application portal. Once there, click “Add Account to Your Membership” and select the CD you would like to purchase.** [Open an FCCU CD](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6aTxFMannzpCYi8Ezs1Dh2mb-MkjBNZ2OeWuv0-J-m88HBs0cLz7ro7SsOXAfCfuTMKykL5SsxyEFU1z_3Sx-AQ) \[table id=10 /\] \[table id=11 /\] \[table id=68 /\] \[table id=69 /\] ###### \* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of September 30, 2023. [Open an FCCU CD](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD36f1OSOirtCDunLmPfN9_Y7AOnwtJxGIMpQ25YfpidOMoeA3C5cGIkpyXaJGjqv6aTxFMannzpCYi8Ezs1Dh2mb-MkjBNZ2OeWuv0-J-m88HBs0cLz7ro7SsOXAfCfuTMKykL5SsxyEFU1z_3Sx-AQ) --- ### [Recreational Loans](https://www.firstchoicecu.org/recreational-loans/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Recreational Loans ## Recreational Loans Get big kid toys at affordable rates and terms! Whether you like to have fun on land or in the water, we have a special loan to fit your recreational vehicle needs. **We offer flexible terms and low rates on:** - Boats - Jet skis and wave runners - Motorcycles and ATVs - RVs If any of the above “big kid toys” are in your future, talk with us before you go shopping. We can get you pre-approved and have your financing ready as soon as you find the perfect toy for you! [Apply Today](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=vl) ![Family walking to their RV](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_recreational-loans.jpg "Borrow_recreational loans") \[table id=3 /\] \[table id=22 /\] ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. --- ### [Unsubscribe Email Landing Page](https://www.firstchoicecu.org/unsubscribe/) **Published:** March 13, 2024 **Author:** Josh Marruffo **Content:** ## You’ve Been Unsubscribed! We’re sorry to lose you, but we understand. Your email has been removed from our list. [Go Home](https://www.firstchoicecu.org/) ### Help us get better. Please, let us know why you unsubscribed. Your Message send message Thank you for your message. It has been sent. × There was an error trying to send your message. Please try again later. × --- ### [Personal Loans](https://www.firstchoicecu.org/personal-loans/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Personal Loans ## Personal Loans Sometimes life happens, and you need access to additional funds. The FCCU personal loan is the answer to give yourself some financial breathing room. Available in increments from $500 to $10,000, terms to 60 months, share-secured or unsecured, we offer the flexibility you need and the quick loan closing your busy lifestyle demands. [Apply Now](https://app.consumer.meridianlink.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ###### Membership required. Subject to loan approval. Loan to value and credit history will determine your available rate. ![Couple on computer](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_personal-loans.jpg "Borrow_personal loans") \[table id=4 /\] ###### 1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing. --- ### [About FCCU](https://www.firstchoicecu.org/about-fccu/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## About FCCU At First Choice Credit Union, we put you first. ## About FCCU First Choice Credit Union was established on September 29, 1929, as the Palm Beach County Postal Credit Union. The credit union was formed as a state-chartered credit union in the state of Florida. The organizational mission focused on providing thrift among its members, creating financial services, and providing sources of credit at a fair and reasonable rate of interest. In addition, the goal was to provide an opportunity for the members to use and control their resources on a democratic basis in order to improve their economic and social conditions. Fast forward nearly 95 years later, and First Choice Credit Union stands tall as a responsible financial partner for our members, a reliable community leader and a stalwart employer. **Routing Number:** First Choice Credit Union’s routing number is **267083349** ![FCCU main branch](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_main-branch.jpg "resources_main branch") ## ## Mission The FCCU Board of Directors and management team have crafted our mission statement, which serve as our guide and roadmap moving forward when serving our members. ### Mission #### “To be our members’ primary financial institution by providing exceptional value for financial services.” --- ### [Video Banking](https://www.firstchoicecu.org/videobanking/) **Published:** November 26, 2023 **Author:** Brad Kindsfather **Content:** ## Video Banking ## Meet with us by video Video Banking is the newest advancement in technology at Frist Choice Credit Union, offering members access to meet with FCCU from anywhere. Whether you are at home or on the go, all it takes is a camera and an internet connection. **Video Banking:** - Join FCCU - Discuss loan options - Submit loan applications - Get help with your account **Simply schedule your appointment today** [Schedule Video Banking Appointment Here](https://calendly.com/firstchoicecu/videobanking?back=1&month=2023-09) [Video Banking Link](https://main.financialtown.com/firstchoicecu/instant_call) - 1*Schedule video banking appointment* - 2Test your camera and device - 3Login 5-10 minutes prior to your appointment to ensure everything is working --- ### [Mobile Banking](https://www.firstchoicecu.org/mobile-banking/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Mobile Banking ## Now, Your First Choice Credit Union Accounts Are Even Easier To Manage On The Go! **Bank anywhere life takes you, First Choice style!** You’ll be able to: - View account balances. - Transfer funds. - Check transaction history. - Pay bills. - Make deposits. - And more. [![Apple App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/app-store-desktop.png)](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) [![Google Play App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/google-play-desktop.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) ![FCCU App](https://www.firstchoicecu.org/wp-content/uploads/2023/09/On-The-Go_mobile-banking.jpg "On The Go_mobile banking") ## ## Mobile Deposit ### Enjoy Deposits Made On The Move For Your Busy Lifestyle! Our Mobile Deposit product allows you to take a picture of a check for deposit with your mobile device and transmit it to First Choice Credit Union for deposit from wherever you are whenever you would like, any hour of the day, every day of the year! Our per item limit to deposit is ***$2,000.*** Using your secure First Choice Credit Union Mobile Banking app, you can register by clicking Check Deposit at the bottom of your page (Apple) or clicking Deposit Checks (Android). ### Member Qualifications - Install the FCCU Mobile Banking app on your mobile device. - You must maintain a positive balance in your account. - Ensure that your account is not classified as dormant. - Your account must have a current street address. - You must have no charged off accounts. - You must be over 18 years of age. ## Mobile Wallet When you register your FCCU debit and/or credit card with Apple Pay, Google Pay, or Samsung Pay (depending on your phone), you will get to experience the safety and convenience of using your phone for mobile payments—acting as your FCCU debit or credit card. **It’s safe:** Enjoy a touch-free experience when you use your card in public. **It’s secure:** With a unique tokenization number given with each transaction, the merchant never sees your card. **It’s simple to use:** Just swipe with your phone without ever taking your card out of your wallet. **Pay individuals:** Using your debit card, you’ll be able to pay an individual with a simple text message. --- ### [Texting Services](https://www.firstchoicecu.org/texting-services/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Texting Services ## Texting Services FCCU is just a click away. Members can conveniently communicate with FCCU during normal business hours via text. ![Happy woman on her phone](https://www.firstchoicecu.org/wp-content/uploads/2023/09/on-the-go_texting-services.jpg "on the go_texting services") ## There Are Two Ways For Members To Utilize Texting: ### 1. Member Initiated Messages Simply text your question or request to the FCCU primary phone number (561-641-0100). Please do not include account numbers. The service includes a secure upload feature. The secure upload enables members to send confidential documents to help conduct business with FCCU such as identification or a paystub for a loan application. The service also enables FCCU to send documents in a secure environment for an electronic signature such as on loan documents. ### 2. FCCU Messages The texting service gives FCCU the ability to provide members important communications as needed. This could be announcements related to hurricanes, or other similar events that could impact service. We may also share special offers that enable members to get the most from their relationship with FCCU. To sign up, simply text FCCU to **(561)-649-7150.** For quick response on common topics, use our keyword feature. Simply text one word to get the information you need. [Download The List of Keywords](https://www.firstchoicecu.org/wp-content/uploads/2024/02/Texting-Keyword-Menu-1.pdf) --- ### [Mortgage](https://www.firstchoicecu.org/mortgage/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Mortgage ## Mortgage How about a dream mortgage for your dream house? Whether you are looking to purchase or refinance, FCCU has the mortgage options you need. FCCU offers first mortgages for a new home or refinancing for your current mortgage. We offer a complete suite of mortgage programs with flexible terms and exceptional service! FCCU offers quick service and help when you need it. Our Mortgage Originators will assist you to find the mortgage loan that fits your individual needs and financial circumstances. **FCCU loan options and benefits include:** - Competitive rates and closing costs - Local approval - Fixed rate - Variable rate - Terms up to 30 years - Low or no down payment options - Conforming and non-conforming - FHA [Apply Now](https://www.premiermtg.com/loan-officers/tony-acquaviva/) Members of First Choice Credit Union have access to the mortgage professionals at Premier Mortgage Associates. For more information or to get your pre-approval process started\*, **please contact our Mortgage Service Planner, Tony Acquaviva with Premier Mortgage Associates at (561) 886-0300.** [**Tony@premiermtg.com**](mailto:Tony@premiermtg.com) ###### Membership required. Subject to loan approval. Loan to value and credit history will determine your available rate. ![Older couple next to for sale sign](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_mortgage.jpg "Borrow_mortgage") --- ### [Check Reorder](https://www.firstchoicecu.org/check-reorder/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Check Reorder ## Check Reorder Easy access to reorder checks for your FCCU checking account. [Reorder Checks](https://www.ordermychecks.com/login_a.jsp) ![Someone holding a bank check](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_check-reorder.jpg "resources_check reorder") --- ### [Money Market, CD & IRA](https://www.firstchoicecu.org/money-market-cd-ira/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Money Market, CD & IRA ## Money Market, CD & IRA The way we see it, one-size-fits-all financial solutions are a bad fit. That’s why FCCU offers flexible options that meet your lifestyle and saving habits. From easy-access money market accounts to higher-earning CDs and special IRAs for long-term saving, FCCU is your choice for financial growth. ![Older couple walking on beach](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_money-market-cd-and-ira.jpg "deposit_money market, cd, and ira") [![Man on computer](https://www.firstchoicecu.org/wp-content/uploads/2024/01/money-market-1.png)](https://www.firstchoicecu.org/money-market-accounts/) Earn dividends on your savings with our federally insured Money Market account! Earning more on what you make has never been so easy! [![Bank teller helping woman](https://www.firstchoicecu.org/wp-content/uploads/2024/01/CDs.png)](https://www.firstchoicecu.org/cds/) Looking for an investment option that can keep up with the stock market, all while not being as volatile? A Certificate of Deposit may be for you! [![Older couple using tablet](https://www.firstchoicecu.org/wp-content/uploads/2024/01/IRAs.png)](https://www.firstchoicecu.org/iras/) It's never too early to invest in your retirement. Take advantage of an Individual Retirement Account to safeguard your savings from inflation and taxes! ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Identity Theft](https://www.firstchoicecu.org/identity-theft/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Identity Theft ## Identity Theft FCCU wants to help you avoid identify theft by taking proactive steps to protect your assets. **Keep FCCU Up to Date** Due to the increasing amount of identity theft and fraud in our society, as added security to your account, please inform First Choice Credit Union (FCCU) immediately if you change your address or phone number(s). All we need is a signature to compare with your signature on file. You can do this by mail, FAX, or in person. That way if we encounter any unusual activity or have a problem with your account, FCCU personnel can contact you immediately. If you are not sure if we have the correct information, please feel free to stop by one of our branches and visit our Member Services Department. Any of our representatives will be glad to assist you in this matter. As always FCCU staff will NEVER ask you for your account number or PIN (Personal Identification Number) over the phone if we initiate the call. The address and fax number are listed below for your convenience. **First Choice Credit Union** 1055 S. Congress Avenue West Palm Beach, Florida 33406-5195 (561) 641-0100 **Member Services FAX Number** (561) 641-2735 ![Phone logging in acccount](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_identity-theft.jpg "resources_identity theft") ### Protect Yourself **Below is a list of videos you can watch to help prevent you from becoming a victim of identity theft:** [Identity Theft: Protect yourself! ](https://www.educationcu.com/uploads/di_phishing2.swf) [Internet Fraud: If it sounds too good to be true, it probably is!](https://www.educationcu.com/uploads/di_phishing2.swf) [ Social Media: Be careful who you trust!](https://www.educationcu.com/uploads/di_phishing4.swf) [ Play it Safe with Portable Devices!](https://www.educationcu.com/uploads/di_phishing5.swf) **How to know if your identity has been stolen:** - Your credit card bills show unauthorized charges. - You receive calls for payment on credit accounts you do not own. - Your credit rating takes a major dip because of delinquencies on loans or credit cards of which you had no knowledge. - You are denied employment, credit, loans, mortgages, government benefits, utilities, and leases because your credit report and background checks show fraudulently incurred debts or wrongful criminal records. **How your information gets stolen:** - Stolen wallet or purse containing your identification, credit cards, and bank cards. - Stolen mail. - Diverting mail to another address by completing a “change of address” form. - Rummaging through your trash at home or work for personal information. - Posing as a landlord or employer to get personal information. - Accessing your business or personnel records at work. - Finding personal information in your home. - Purchasing personal information from “inside” sources, such as paying a store employee for information you provided on a credit application. - Using a pocket-sized scanner to get your credit card number when you present it for payment for goods or services. - Fitting a false ATM front on a machine that “swallows” your ATM card. **General precautions** - Carry only necessary information with you. Leave your Social Security card at home. Only take it with you if you will need it. Confirm that it is needed rather than some other common personal identifier. - Limit paper statements. A paperless environment helps reduce the chance of identity theft. The fewer personal documents sent through the mail, the less chance there is for possible fraud. You can reduce paper statements by signing up for eStatements. - Shred documents containing personal or financial information before discarding. Most fraud and identity theft incidences happen because of mail and garbage theft. - Once a year, order your credit report from all three credit reporting agencies. We suggest your order comes from one agency every four months. **Important Safety Tips** 1. Keep a list of all account numbers in a secure, confidential place in case you experience problems with lost cards or theft of checks. 2. Notify your financial institution immediately if you suspect your accounts have been compromised, or if you have lost any cards or checks. 3. Store extra boxes of checks in a secure place. 4. Do not provide any personal information to a third party unless you are confident of the purpose and feel secure that the information will not be misused. 5. Keep credit cards, ATM cards, debit cards, and check books always secure. Do not leave purses or pocketbooks unattended at any time. 6. Place only minimal, personal information on the top of your checks. 7. Be sure to carefully review all account statements regularly. Notify your financial institution immediately if there are discrepancies when you balance your accounts. 8. Report any suspicious activity to law enforcement and to your financial institution. 9. Do not store or write PIN information on plastic cards or in pocketbooks or purses. 10. Shred or destroy any documents that contain personal information before putting them in the garbage. 11. Remove mail from your mailbox promptly. 12. Consider mailing payments and checks at the post office instead of leaving them in your mailbox for pickup. 13. Please cooperate fully with merchants or financial institutions that request proper identification. They are doing it to protect your interest. **Credit Bureaus:** • Equifax: 1-877-576-5734; [www.equifax.com](http://www.equifax.com) • Experian: 1-888-397-3742; [www.experian.com](http://www.experian.com) • TransUnion: 1-800-680-7289; [www.transunion.com](http://www.transunion.com) **Annual Credit Report and Score** Identity theft has been called the crime of the 21st Century. A new law has been passed in Texas relating to preventing identity theft. It allows the identity theft victim to place a fraud alert on their credit file at no cost. A fraud alert is a 90-day alert on your credit file that blocks any information from being shared so that potential identity thieves can’t obtain your information. It prohibits by law the credit reporting agency from releasing the consumer’s credit report or any information from it without the express authorization of the consumer. If you think you are a victim of identity theft, you can go to [www.annualcreditreport.com](http://www.annualcreditreport.com) to file an alert that will be sent to all three major credit bureaus. --- ### [Career Opportunities](https://www.firstchoicecu.org/career-opportunities/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Career Opportunities ## Career Opportunities Are you looking for a career where People Helping People is a top priority? First Choice Credit Union is an equal opportunity employer of choice. We welcome all qualified candidates who want to join a progressive, member-focused team! Our credit union has the size and strength to meet our members’ needs, and we need the best team members to deliver our Mission, Vision, and Values! First Choice Credit Union is always looking for experienced teller or member service representative candidates, plus people to fill other key roles in our organization. If you are interested in exploring career opportunities with First Choice Credit Union, please see our current open positions. ![Happy woman standing](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_career-opportunities.jpg "resources_career opportunities") ## Current Career Opportunities ### No Open Positions Check back later! ## First Choice Credit Union Believes That Employees Are The Biggest Asset Of Any Organization. ### FCCU offers a great benefits package. **The benefits offered are as follows:** - Group Health Coverage - Vision Coverage - Dental Insurance - Short-Term Disability - Long-Term Disability - Group Term Life Insurance - Dependent Life Insurance - 401(k) - Paid Time Off - Supplemental Care Insurance - Free Checking Account - Banking Service Discounts [Apply Now](mailto:msr@firstchoicecu.org) ![Woman shaking a mans hand](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_career-opportunities-2.jpg "resources_career opportunities-2") --- ### [Checking Switch Kit](https://www.firstchoicecu.org/checking-switch-kit/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Switch Kit ## Switch Kit An FCCU membership offers tremendous value! You enjoy how easy we are to work with, benefit from great rates and flexible terms, and get rewards plus much more! Switching to FCCU is even easier! [Download our Switch Kit](https://www.firstchoicecu.org/wp-content/uploads/2023/09/FCCU_Switch-Kit_2023.pdf) You will be enjoying your new First Choice Credit Union member benefits immediately while your accounts and funds begin to be switched to FCCU. The best part is that our FCCU team will help you every step of the way! ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) [](https://www.firstchoicecu.org/home-banking/) #### ##### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ##### Debit Cards [](https://www.firstchoicecu.org/mastercard/) #### ##### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ##### Loans [](https://www.ordermychecks.com/login_a.jsp) #### ##### Check Order [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/home-banking/) #### ### Home Banking [](https://www.firstchoicecu.org/debit-card/) #### ### Debit Cards [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.firstchoicecu.org/mastercard/) #### ### Credit Cards [](https://www.firstchoicecu.org/borrow/) #### ### Loans [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.isp) [](https://www.ordermychecks.com/login_a.jsp) #### ### Check Order [](https://www.ordermychecks.com/login_a.isp) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Car Title For Cash](https://www.firstchoicecu.org/car-title-for-cash/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Car Title For Cash ## Have A Car With A Clear Title? Need Some Cash? Keep your car and get some cash. The Title for your car may be a great source of cash to take care of an emergency or to make a special purchase that you have been thinking about. And because you have collateral, you will be entitled to a better interest rate compared to an un-collateralized loan. Find out if you [qualify](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQ1Vqe9Yhom8LnMC9vW0WcEpxeAxH-bA01vyR0Ujp5zoU), apply online, enter “car title” for the purpose or stop by an [FCCU office](https://www.firstchoicecu.org/locations/). ###### Membership required. Subject to loan approval. Loan term selected and credit history will determine your available rate. --- ### [Am I Eligible](https://www.firstchoicecu.org/am-i-eligible/) **Published:** October 5, 2023 **Author:** Josh Marruffo **Content:** ## Am I Eligible? ## Join the First Choice family and enjoy banking First Choice style. Membership in First Choice Credit Union is open to: - Anyone living or working in Palm Beach County - All employees and retirees of the Federal Government and veterans of any branch of the service living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades or Hendry counties. - Individuals holding a professional license from the State of Florida and living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades or Hendry counties. - All family members of an existing member Once a member, always a member! [Join Now](https://app.consumer.meridianlink.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQDl6WvSpyldOLw-u3iOooV_5-zMmnGbfy0C9leDGJ1nwtp8uo7I6vewv4qQmbNAMBuTh_AlPRTAxni9SBNLYXbHhLOJkTgsLUXpn1Uw0zVj8) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Auto Buying Service](https://www.firstchoicecu.org/auto-buying-service/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Auto Buying Service How about a car-buying process that handles as well as your car? ## A Better Way To Buy a Car. FCCU has partnered with Auto Advisors to deliver a service that is designed to assure you peace of mind on your next new or used car purchase. Auto Advisors is the friend you always wished you could take with you to the dealership! Don’t want to go to the dealership? No problem – our Auto Advisor can work with you to deliver your new car right to you! Auto Advisors looks at the entire transaction, from the value of your trade-in to the relationship of invoice, to the selling price. They make sure you’re getting fair market value for your trade-in, their volume discount pricing, all manufacturer rebates and our FCCU low-rate financing. They also recommend our low-cost GAP and extended warranties! You should also know that Auto Advisors only serves credit union members. They do not buy or sell cars, and they do not finance cars. Their only interest is helping you save time and money, and they have already assisted over 70,000 members in Florida alone! If you would like to simplify the car buying process and have an expert assist you, give us a call! [Learn More](https://firstchoicecu.autoadvisors.com/) --- ### [Auto Insurance](https://www.firstchoicecu.org/auto-insurance/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Auto Insurance ## Save Time and Money and Insure Your New Car Through FCCU. ### Automobile Insurance and Protection **FREE quotes:** To compare your current auto policy rates, [click here](https://www.trustage.com/auto-insurance?orgIdentifier=000000002665&marketingCampaignCode=ICTLF012&utm_source=000000002665&utm_medium=CULK_Banner&utm_campaign=ICTLF012&utm_content=CC000315) and then answer a few questions. **Guaranteed Asset Protection:** GAP allows you to protect yourself against financial loss in the event that your auto, motorcycle, ATV, or personal watercraft is damaged beyond repair. GAP will pick up where regular insurance leaves off. **Mechanical Repair Coverage:** We offer a wide variety of extended warranty packages to help protect the investment you’ve made in your vehicle. You select the option package you want and pay only for those features you need. ### Submit Proof of Insurance If you have a vehicle that is currently financed with First Choice Credit Union, it is very important that you provide us with your current insurance policy information. Your policy must also list First Choice Credit Union as the lien holder. [Click here](https://www.myinsuranceinfo.com/) to provide us with your current insurance policy information. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, or MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except California and Alaska, where coverage is administered by Virginia Surety Company, Inc., Washington, where coverage is administered by National Product Care Company, Inc., and Florida, Louisiana, Oklahoma and Wisconsin, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc. CDCL-0212-CF8D --- ### [Universal Acccount Membership Agreement](https://www.firstchoicecu.org/universal-acccount-membership-agreement/) **Published:** October 6, 2023 **Author:** Josh Marruffo **Content:** # First Choice Credit Union Universal Account Agreement This Agreement contains the rules, terms and conditions that govern your accounts with First Choice Credit Union (hereinafter “Credit Union”). Please read this Agreement carefully and keep a copy. Please call us if you have any questions. ### **Membership** To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union’s field of membership and must purchase and maintain one share (“the membership share”) as required by the Credit Union’s Bylaws. By signing this Agreement and/or any signature card, you represent that you are eligible for membership in the Credit Union. You authorize us to check your account, credit, and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility, and continued eligibility, for the accounts and services you request. ### **Definitions** In this Agreement, the plural shall also mean the singular, the masculine shall mean the feminine, and vice versa. The terms defined in this paragraph shall have the following meanings: - The term “Account” means all accounts and services provided by the Credit Union. - The term “Account Owner” or “Owner” means any “Primary Account Holder” and any “Joint Owner”. - The term “Agreement” means this Universal Account Agreement, all Signature Cards, and any applicable rate schedules, fee schedules, and disclosures. - The term “ATM” means the automated teller machines available for your use. - The term “ATM Card” means the Credit Union’s Debit card and any duplicates and renewals we issue. - The term “Card” means a Debit Card. - The terms “Credit Union”, “CU,” “we,” “us,” and “our” mean First Choice Credit Union. - The term “Debit Card” means the Credit Union’s VISA, MasterCard or other provider’s debit/check card and any duplicates and renewals we issue. - The term “Home Banking” means the Credit Union’s online banking website, which includes, but is not limited to, Home Banking, E-Statements and Bill Payer. - The term “IRA Account” means Individual Retirement Account. - The term “Item” means share drafts, deposit drafts, checks, electronic debits, electronic credits, drafts or any other negotiable methodology for changing an account. - The term “Joint Owner” means any Account Owner. - The term “Multiple Owner Account” means any Account owned by more than one Owner. - The term “PIN” means the personal identification number given to you, which you must use in conjunction with the Debit Card, Voice Response or Home Banking. - The terms “Primary Account Holder,” “Primary Member,” or “Primary Owner” means the person who is admitted as a Credit Union member and whose name appears as “Primary Account Holder” on the Signature Card. - The term “Signature Card” means the Account Card(s) you sign to establish accounts with us. - The term “Statement” means a periodic statement of account or items notifying you of activity in your account - The term “Sub Account” means an account other than the share (member) account. - The term “Call 24” means the Credit Union’s telephone/audio response system. - The words “You” and “Your” shall refer to each person signing the Signature Card. ### **Agreement** By signing the Signature Card, the person whose name appears in the “Primary Account Holder” field makes application for membership in the Credit Union and subscribed for one share, the value of which shall be determined from time to time by the Credit Union’s Board of Directors. You agree to conform to its bylaws and amendments thereof, copies of which are available to you. You further agree as follows: - This Agreement governs your use of our accounts and services. - All prior representations, promises, and conditions in connection with the subject matter hereof are merged in this Agreement. - Any representation, promise, or condition not incorporated herein is unenforceable. - This Agreement amends, replaces and supersedes any prior agreement. - Each Account is subject to such other items, conditions, rules, policies and requirements as the Credit Union’s Board of Directors may establish from time to time. - Changes will be effective on the date that the Board specifies or as otherwise required by law. - The Agreement may be modified by us from time to time without notice, unless required by law. - Your continued use of your Account shall confirm your agreement to any such modification. - Accounts created pursuant to the Account Terms and conditions are not transferable as defined in 12 CFR, Part 204. ### **Backup Withholding and Taxpayer Identification Number (TIN)** Federal Law requires that you provide us with your Taxpayer Identification Number (TIN). For individuals, your TIN is your social security number. For businesses, this will usually be your Employer Identification Number. This number will be used when reporting the dividends you earn on your account(s) to the Internal Revenue Service (IRS). You understand that failure to provide this number will subject dividends and certain other payments paid to you under certain circumstances to backup withholding. Falsification of your TIN is a violation of federal law. If you have provided us with your TIN, you will not be subjected to backup withholding unless: 1. The IRS notifies us that your TIN is incorrect; 2. You are notified by the IRS that you are subject to backup withholding because you failed to report all your interest and/or dividends on your tax return; 3. You failed to certify to us that you are not subject to backup withholding on your Membership Application; or 4. You failed to certify your TIN on the Membership Application. ### **Share Requirements** You may withdraw shares only by using methods that have been approved by us, provided that our failure to enforce this provision in any instance shall not be a waiver of our right to enforce it in the future. If you reduce your balance below the par value of one share, you may be subject to a fee and your membership terminated because you do not own at least one share. ### **Ownership** ***Single Owner Accounts*** A single owner Account is an Account owned by one member including any individual, corporation, partnership, trust or other organization qualified for Credit Union membership. ***Multiple Owner Accounts*** All Multiple Owner Accounts (except IRA accounts) are joint Accounts with rights of survivorship, not tenancies by the entireties or tenancies in common. Upon the death of an Owner, that person’s interest will pass to the surviving Owner(s). If there are two or more surviving Owners, the account will be Joint with rights of survivorship, not held as tenancies by the entireties or tenancies in common. Any Owner of a Multiple Owner Account is authorized and deemed to be the agent of all Owners(s) and may act for the other Owner(s). The Credit Union may accept orders and instructions from any Owner. Each Owner guarantees the signatures of the other Account Owners. Any Account Owner may withdraw all funds in the Account, stop payment on Items drawn on an Account, transfer, or pledge to the Credit Union all or any part of the shares of any Account without the consent of the other Account Owner(s) with the Credit Union having no duty in such event to notify any other Account owner(s). Any such pledge shall survive your death and shall be superior to the rights of any other Account Owner(s). The Credit Union may require the written consent of the Joint Owner to be removed. The Joint Owner(s) so removed from this Account shall have no interest, rights, or privileges in and to the Account or assets thereof. To be binding, such revocation must be in writing and in a form acceptable to us. If any Item deposited in a Multiple Owner Account is returned unpaid, an Account is overdrawn, or if we do not receive final payment on any transaction, each of the Multiple Owner Account owners is jointly and severally liable to the Credit Union of the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of which of you created the overdraft, deposited or charged the item, or benefited from the transaction(s). If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any account of an Owner or all of the funds in the multiple party account, regardless of who contributed them. Furthermore, the Credit Union may charge the amount of the negative balance against any other account from which any of the Account Owners is entitled to withdraw money or charge such negative balance as an advance pursuant to any existing loan of any Multiple Account Owner to satisfy the negative condition pursuant to any credit agreement any Multiple Account Owner has with the Credit Union. ***POD Accounts*** A Payable on Death (POD) Account is an instruction to the Credit Union that an Account so designated is payable to the owner(s) during the account owners’ lifetimes, and upon the death of the last account owner, such POD account is payable to any named and surviving POD beneficiary designated on your Account Card. Accounts payable to more than one surviving POD beneficiary are owned jointly by such beneficiaries with rights of survivorship, not owned as tenants in the entirety nor owned as tenants in common. Any POD designation must be written on our account form and accepted by us. Furthermore, any POD designation will apply to any and all subaccounts to which that account card/signature card is directed. Notwithstanding the foregoing, any POD designation will not apply to Individual Retirement accounts (IRAs), which shall be governed by a separate POD beneficiary designation. The Credit Union shall at no time have any obligation whatsoever to notify any POD beneficiary of the existence of any Account or the vesting of the POD beneficiary’s interest in any Account. Upon the death of the last surviving owner, payment to any POD beneficiary shall be valid to discharge us from any liability to all POD beneficiaries. No POD beneficiary may pledge any part of the shares in this account as collateral for any loan or loans with us. The death of an account owner shall not affect the validity of any statutory or consensual liens created prior to the death of such account owner(s). Any Account Owner may change (or revoke)any or all POD beneficiaries at any time; provided that any change or revocation of POD beneficiaries must be written on our account form and accepted by us. Any POD beneficiary so removed shall have no interest, rights or privileges in and to the account or assets thereof. To be binding on the Credit Union, such revocation must be in writing and accepted by us. ***Accounts for Minors*** The Credit Union may open accounts with a minor as the Primary Member and make payments of funds in such account directly to the minor without regard to his minority. For any Account established by a minor, the Credit Union reserves the right to require the minor account to be a Multiple Owner Account with a Joint Owner who has reached the age of majority under Florida law who shall be jointly and severally liable to the Credit Union for any returned Item, overdraft, or unpaid charges or amounts in such Account. The Credit Union may condition the account opening upon our accepting the credit history of the adult Joint Owner. The Credit Union has no duty to inquire of the use or purpose of any transaction by the minor or any Account owner. The Credit Union shall not change the Account status when the minor reaches the age of majority, unless authorized to do so in writing by any Account Owner. ***Sub Accounts*** In addition to the Share Account, any Account Owner may open other accounts (Sub Accounts) by submitting the appropriate account change card which we accept to open such Sub Accounts (Checking Accounts, Certificate of Deposit Accounts, IRA Accounts and Christmas Club Accounts are examples of Sub Accounts). Any Certificate of Deposit Account opened under an existing account will be owned solely by the person(s) shown on the Certificate Account Card. ***Account Disputes Between Account Owners*** If the Credit Union receives notice of a dispute between Account owners or receives inconsistent instructions or claims from them, including third party claims alleging an interest in the Account, the Credit Union may suspend or terminate the Account, require all Account Owners agree in writing to any transaction or require a court order to act by filing any legal action (including an interpleader) for a determination of ownership and for resolution of the dispute. You further authorize us to deduct our costs and expenses, including attorney’s fees, incurred and involved in filing and pursing the legal action. **SHARE ACCOUNTS** This Account is established when application for membership is accepted. The purchase of one share is required to open this account. Voting privileges are extended to the Primary Account Holder of this type of account, and Joint Owners of this type of account are not eligible to vote. Please refer to the Rate Schedule and Truth in Savings Disclosure and Fee Schedule to determine applicable fees for Accounts. **INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)** Traditional, Roth and Coverdell Education IRA Accounts are available to applicable members. IRA Account provisions are governed by separate document(s) that will be provided at the time you open these type accounts. Individuals under the age of 59 ½ may be subject to Internal Revenue Service penalties and payment of ordinary income taxes when withdrawing principal and dividends from a Traditional and Roth IRA Account. **CERTIFICATE ACCOUNTS AND IRA CERTIFICATE ACCOUNTS** You will receive a receipt for the funds deposited in the Certificate Account you establish with us. The receipt is merely evidence of your Certificate Account with us and the Certificate Account is non-negotiable and non-transferable. Certificate Accounts may not be pledged, transferred or assigned to any party other than this Credit Union. Nothing contained in this Agreement or other agreements shall be construed so as to make any Certificate Account a demand deposit. We reserve the right to require at least seven (7) days written notice of an intention to withdraw any funds represented by a Certificate. This notice time may be increased according to our Bylaws or applicable law. Additional terms and conditions are disclosed in the Rate Schedule and Truth in Savings Disclosure and Fee Schedule provided to you with this Agreement. **CHECKING ACCOUNTS** The Credit Union offers Checking Accounts (also called share draft accounts). Please refer to the Rate Schedule and Truth in Savings Disclosure and Fee Schedule to determine fees, minimum balance requirements and monthly service charges. The Credit Union is under no obligation to pay any Item that contains a suspected forgery or alteration and, in such an event, we will incur no liability for any action regarding the nonpayment of any Item. You agree that in no event will the Credit Union be liable for damages for the dishonor of any Item as long as we act in good faith and exercise ordinary care, regardless of whether you have a balance in your Account sufficient to pay any Item that we fail to pay. The Credit Union will not be liable for any loss resulting from any reasonable delay in sending notice to you that the Item has been returned uncollected. The Credit Union is not liable to you if the Credit Union pays an Item containing an alteration or a forged or unauthorized signature. The Credit Union will process checks drafts, items and other orders by electronic means and smaller items will not be visually examined. You agree that we will set a minimum amount of an item we examine and will not examine an item less than that minimum amount. Such minimum amount will be a reasonable standard for financial institutions in our geographic area. You agree and acknowledge that the Credit Union will not examine items less that said minimum amount and is not liable or responsible for any lack of effective signatures, endorsements, alterations or other matters which might have been discovered by an actual visual examination of an item. You will be sent a periodic statement that will indicate all transactions and activity on the Account during the statement period. Such statement will be mailed to your last known address as shown on the Credit Union’s record. You agree that the statement is sufficient to allow you to reasonably identify the Items without indicating the payee of any Item. You have a duty to examine the statement and discover any Items containing unauthorized signatures or alterations. If you discover any Items on the statement that differ from your records, you must promptly notify the Credit Union within 30 days from the date the item was available to you. Failure to notify the Credit Union within a reasonable time frame (not exceeding 30 days after your statement is made available or mailed) will prevent you from recovering on the Item. The Credit Union will not be liable for Items forged or altered in a manner not detectable by the Credit Union through reasonable means, including, but not limited to, forgery or alteration resulting from the unauthorized use of a facsimile signature machine. You understand that your original Items will not be returned to you. You are responsible for examining each statement, requesting copies of questionable Items, and reporting any irregularities to the Credit Union. For a fee, the Credit Union shall give you a copy of any paid Item charged to this Account upon receiving a written request from you. You agree that the availability of obtaining a copy of a paid Item, upon request made to the Credit Union, constitutes a reasonable manner in which the Credit Union may make available paid Items. We may charge this Account for this service in accordance with the fee schedule established by our Board of Directors. You agree that the Credit Union’s retention of Items does not alter or waive your responsibility to examine your statements or alter the time limits for notifying the Credit Union of any forgery, alternation, errors or objections. In the event we pay an Item drawn on this Account, we may charge this Account the amount of such Item, even if the Item is presented more than six (6) months after its date. If an Item is presented for payment and the amount of such Item exceeds the fully paid and collected share balance in this Checking Account, we may assess this Account a charge (to be established from time to time by our Board of Directors) for the presentment of such Item regardless of whether or not the Item is paid. You agree the Credit Union shall not be responsible for the acts or omissions of any other party selected in connection with this Account or the condition of any Item, draft or other Item handled under this account subject to the Credit Union’s duty to exercise ordinary care. **Understanding Your Account Balance.** Your share draft account has two kinds of balances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of your actual balance. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. **How Transactions are Posted to Your Account.** Basically, there are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. **Credits.** Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. **Debits.** There are several types of debit transactions. Common debit transactions are Checks, ACH Payments, PIN Based Debit Card Purchase Transactions, and Signature-Based Debit Cared Purchase Transactions. There are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. We reserve the right to pay items in any order we choose as permitted by law. In addition, a declined item may be re-presented by payee of the item. We do not monitor or control if and when an item is represented. Subsequent presentments may result in multiple overdraft fees for the same item” ***Overdrafts*** Although we are under no obligation to pay any Item that exceeds the fully paid and collected share balance in the Account, we may, at our option, pay such Item or permit the withdrawal even though the payment or withdrawal causes an overdraft in the account. The Credit Union, by covering one or more overdrafts, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. We pay overdrafts at our discretion. Therefore, we do not guarantee that we will always authorize and pay any particular transaction. If we do not authorize and pay an overdraft, your transaction will be declined. If the Credit Union decides to pay an item that overdraws your Account, you agree to immediately pay the overdraft amount plus a fee as disclosed in the Dividend Rate and Fee Schedule. In addition, a declined item may be re-presented by payee of the item. We do not monitor or control if and when an item is represented. Subsequent represents may result in multiple overdraft fees for the same item. In the event there is a negative balance, each signer on the Account and each Account Owner is jointly and severally liable for the negative balance, any fees incurred, and interest thereon. The Credit Union may charge the amount of the negative balance against any other account from which any of you, jointly or individually, are entitled to withdraw money or establish a credit advance pursuant to any credit agreement between any of you and the Credit Union. ***Stop Payments*** You may request that we stop the payment of a draft issued by you by a written stop payment order, or by using CALL 24, our automated phone service. Any oral stop-payment order is valid for 14 calendar days. Unless renewed, a written stop payment will expire after six (6) months. Your stop-payment order must be received at such time and in such manner as to afford us a reasonable opportunity to act on it prior to any other action being taken on the draft. You agree that in order for us to have a reasonable opportunity to act, we must receive your stop-payment request at least two (2) business days before the draft is received by us for posting to your account. The term “business day” does not include any Saturday, Sunday, or federal holiday, even though our office may be open. We may charge you a fee for each stop-payment order you give. Such stop-payment must be renewed every six (6) months in order for us to avoid payment of the check. Unless renewed after six (6) months, we do not promise to honor the stop-payment. The Credit Union reserves the right to refuse to honor any requests to stop payment of any Item for any reason consistent with good faith and the exercise of ordinary care. Unless you give the correct Account number, correct Item amount and correct Item number, the Credit Union has no responsibility to stop payment. If the Credit Union credits your Account after paying an Item over a valid and timely stop payment order, you agree to assist the Credit Union if it takes legal action upon the Item. You agree to hold harmless and indemnify the Credit Union against all claims, costs, attorney’s fees, damages, and other expenses or losses that may be incurred by the Credit Union, its employees, or agents on account of a stop payment order. The above stop payment provision only apply to items you issue on your Account. You do not have the right to stop payment on any Item issued by the Credit Union or drawn on any Account other than your Checking Account. ***Stale-dated Checks*** We, at our full and complete discretion, may pay a check, other than a cashier’s, tellers or certified check, presented for payment more than six months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on the check in the manner described above. ***Payment Order of Checks*** Checks, drafts, transactions and other items may not be processed in the order that you make them or in the order that we receive them. We may, at our sole discretion, pay a check, draft or item, and execute other transactions on your Account in any order we choose. The order in which we process checks, drafts and other items may affect the total amount of overdraft fees that you may be charged. **MONEY MARKET ACCOUNTS** The Credit Union offers Money Market Accounts pursuant to this section and other applicable provisions contained in this Agreement or by policy established by the Credit Union. You authorize us to honor your withdrawals and transfer requests against the funds in your Money Market Account. You agree that all provisions relating to Checking Account as stated in this Universal Account Agreement including, but not limited to, overdraft protection, shall apply to your Money Market Account. Please refer to the Rate Schedule and Truth in Savings Disclosure, Fee Schedule and transaction limitations to determine applicable fees, minimum balance and other requirements for Money Market Accounts. **SPECIAL ACCOUNT INSTRUCTIONS** You may request the Credit Union to facilitate certain trusts, wills, or court-ordered account arrangements. However, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. The Credit Union does not administer trust accounts. The Credit Union may, at its complete discretion, permit accounts to be owned by trusts on a case-by-case basis. If you ask the Credit Union to follow any instructions that the Credit Union believes might expose it to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, the Credit Union may refuse to follow your instructions or require you to post a bond or obtain some other protection. You agree to hold harmless and indemnify the Credit Union from any and all claims or losses that may arise out of any transaction pertaining to any Account. Furthermore, the Credit Union has no responsibility to determine if the trustee, personal representative, administrator, or any other fiduciary has been duly appointed and qualified to act in that capacity, nor whether any transaction by a fiduciary involving such an account is in accordance with or authorized by applicable law or agreement. The Credit Union’s only obligation with such accounts is to act as a depository for the funds in the account. Account changes requested by you, or any other Account Owner, such as adding or closing an account or service, may be required to be in writing and signed and the same must be evidenced as accepted by the Credit Union at its sole and uncontrolled discretion. **DEPOSITS** Funds deposited in person to a Credit Union employee are considered deposited that day. Funds mailed to the Credit Union are deposited and posted after receipt. Funds deposited in non-staffed depositories are considered received when removed from the depository, are processed and are confirmed pursuant to Credit Union procedures and posted to your Account. If you make a deposit on a business day that we are open, we will usually consider that day to be the day of your deposit. All non-cash items credited to this Account will be credited conditionally, subject to final payment, and such items may be charged back from any Account in which you have an ownership interest or the right to withdraw, at any time until the proceeds thereof in money (U.S. Dollars) have been actually received by us. If any Item deposited in an Account is returned unpaid, you are jointly and severally liable to the Credit Union for the amount of the returned Item and any charges, regardless of who deposited the Item or benefited from the transaction. We shall not be obligated to notify you that an Item has been dishonored or not otherwise collected. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor any extra time beyond any midnight deadline. We will not be responsible for recognizing any conditions and/or written instruction concerning payment contained on an Item deposited to or drawn on an Account, including, but not limited to, restrictive endorsements or postdated Items. If you make a deposit, transfer, or payment at an unstaffed depository, you agree that the correct amount in the event of discrepancy between a written receipt or deposit slip and our accounting will be the amount that our procedure concludes was found in the envelope used to make the transaction. You agree that our conclusion regarding the amount deposited is final. **DIRECT DEPOSITS** We may offer direct deposit options allowing you to pre-authorize deposits (e.g., payroll checks, Social Security, retirement checks, other government checks, etc.) or transfers from your Accounts with us. You must authorize any such deposits or transfers by a separate authorization form. If you wish to cancel the direct deposit or pre-authorized transfer option, you must notify us at least 30 days prior to the next scheduled date for any direct deposit or pre-authorized transfer. If we deposit any amount in your Account by mistake, you authorize us to deduct the amount from your Account at any time without prior notice. **ENDORSEMENTS** Each of you appoints the other Account Owner(s) as your attorney-in-fact for any purpose including, but not limited to, the power to deposit funds and endorse any Item payable to any Account Owner. You agree that the deposit of any item is the legal equivalent of every Owner’s endorsement of such item for deposit. You authorize the Credit Union to supply any missing endorsement for you on any Item or other instrument tendered for your Account. We are relieved of any liability in connection with collection of such Items that are handled by us and we shall not be liable for acts of our agents, subagents or others, or for any casualty. You agree to indemnify us from any loss due to an endorsement or other writing placed on a check in violation of the Federal Reserve’s Regulation CC. **ACTIONS BY LEGAL REPRESENTATIVES** You agree that we are authorized, but not contractually required, to recognize the authority of any attorney-in-fact, guardian, custodian, trustee, or agent legally appointed by you or by a court of competent jurisdiction for the transaction of business on your Accounts. In doing so, we will have no duty to inquire as to the use or purpose of any transaction by any legal appointee. You agree that we are not obligated to conduct any transaction except those actually authorized by you. In order to honor the appointment of an attorney-in-fact, we may require, at our full and complete discretion, such person to indemnify us for any loss, claims, or damages arising from our reliance on the appointment of the attorney-in-fact. You agree to allow us to forward any power of attorney presented to us to our attorneys for review and agree that any delay caused by such review is authorized and reasonable under the circumstances. **INACTIVE ACCOUNTS** An Account may be considered dormant/inactive when there has been no transaction other than dividend postings for a period established by the Board of Directors. The Credit Union may charge a fee for continuing to process your dormant/inactive Account as set forth in the Rate Schedule and Truth in Savings Disclosure and Fee Schedule. The Credit Union will send notice to you, as required by law, at your last known address prior to imposing any fee. You authorize us to transfer funds from any account from which you can withdraw to cover any such fee. To the extent allowed by law, the Credit Union reserves the right to transfer the Account funds to an account payable and to suspend any further account statements, dividends and interest payments. **ABANDONED ACCOUNTS** If a deposit or withdrawal has not been made on the Account and the Credit Union has had no other sufficient contact with you within the period specified by state law, the Account will be treated as abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, the Credit Union has no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. **TERMINATION OF ACCOUNT** The Credit Union may terminate your Account at any time without notice to you or may require you to apply for a new account upon the occurrence of any one of the following: (1) there is a change in Owners or authorized signer; (2) there has been a forgery or fraud reported or committed involving your Account; (3) there is a dispute as to the ownership of the funds in the Account; (4) any share drafts are lost or stolen; (5) there are excessive returned unpaid Items not covered by an overdraft protection plan; (6) there has been any misrepresentations or any other abuse of any of your Accounts; (7) the Credit Union reasonably deems it necessary to prevent a loss to the Credit Union; or (8) the Credit Union believes such termination to be in the best interests of the Credit Union. We have the right to terminate any Account and to terminate all of our liability hereunder by mailing our check for the balance of this Account to the address on file for any Account Owner. In the event of a dispute over the ownership of the Account, you authorize us to file legal action, including an interpleader, for a determination of ownership. You authorize us to deduct our costs and expenses involved in filing the legal action, including attorney’s fees, from the Account funds and to file the remaining sum with the court. You may terminate any single party account at any time by notifying the Credit Union in writing. The Credit Union reserves the right to require the consent of all Multiple Account Owners for the termination of a Multiple Owner Account. As long as we act in a manner consistent with good faith and the exercise of ordinary care, we may refuse to honor any request to close your Account. The Credit Union is not responsible for payment of any Checking Account withdrawal, or other Item after your Account is terminated; however, if the Credit Union pays an Item after termination, you agree to reimburse the Credit Union for the payment. **TERMINATION OF MEMBERSHIP** You may be denied services or expelled from membership for any reason permissible under applicable law, including causing a loss to the Credit Union. You are no longer a member if you do not own at least one share of $5.00. You may voluntarily terminate your membership at the Credit Union after giving notice of your intent to withdraw from membership and withdrawing all funds on deposit as legally required of the Credit Union. The Credit Union may terminate your membership as specified by applicable law and the Credit Union Bylaws. **DEATH OF ACCOUNT OWNER** The Credit Union may continue to honor all transfers, withdrawals, deposits, and other transactions on the account until the Credit Union is notified in writing of a member’s death and until we have reasonable opportunity to act regarding such death. During the ten (10) days following written notification of a member’s death, the Credit Union is authorized to pay items and to honor other payments or transfer orders authorized by the deceased member. You agree the Credit Union can require that anyone who claims funds in your Account after your death to indemnify the Credit Union for any losses actually or potentially resulting from honoring that claim. This Agreement will be binding upon any heirs, legal representatives of any Account owner and any anybody claiming an interest arising after the death of an Account Owner. **SHARE LIEN** You grant us a security interest (securing all obligations you have with us) in all funds in any account (now or in the future) in which you have an ownership interest or you have the right to withdraw funds. To the extent you owe the Credit Union money as a borrower, guarantor, and endorser or otherwise (including amounts owed because of incurred fees) the Credit Union has a statutory lien and consensual lien pursuant to this Agreement in all funds in any account (now or in the future) in which you have an ownership interest or you have the right to withdraw funds (without regard to any statutory presumption regarding ownership, without the requirement that the debt be owed by such Account Owner, and without regard to who contributed funds to the Account). You may not withdraw shares or deposits that are collateral for obligations secured by our statutory or consensual lien, except to the extent that such shares and/or deposits exceed what you owe us (either directly or contingently). Our failure to assert any security interest, lien and/or right to setoff shall not be a waiver to assert any such right in the future. All accounts are not assignable and nontransferable to third parties, unless otherwise agreed to by us in writing. The Credit Union may enforce its liens, by freezing account funds (without any prior notice) either before or after default, even if an overdraft, dishonor, or interest penalty results. The Credit Union may enforce its liens (without any prior notice) by applying funds, even if an overdraft, dishonor, or interest penalty results. **NOTICES** You agree to notify the Credit Union in writing of any change of your address or name. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to the Credit Union. The Credit Union requires written notice of a change in address. If our mail to you is returned to the Credit Union, we may impose a service fee for attempting to locate you. Any written notice you give to the Credit Union is effective when it is actually received by the Credit Union. Any written notice the Credit Union gives to you is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. Notice to any one Account Owner is agreed to be notice to all Owners. **ELECTRONIC STORAGE OF DOCUMENTS AND ELECTRONIC SIGNATURES** You agree that it is unnecessary for the Credit Union to retain the original of any document. You agree that the electronic stored image of any document is the original of that document, and that any document provided to you to take with you is a copy of that document. You agree that no pen-on-paper signature is necessary to authenticate your agreement with any document which is retained by the Credit Union, but that the Credit Union may rely upon an electronic version of your signature. You agree that the Credit Union may rely upon an electronic device upon which you inscribe your signature or by the use of a Personal Identification Number (“PIN”) which may be recorded or stored with or upon electronically stored images of any document relevant to this Agreement and/or services. **TELEPHONE CONSUMER PROTECTION ACT** I hereby expressly consent and agree that First Choice Credit Union, its affiliates, agents, assigns and service providers may deliver advertisements or telemarketing messages using an auto-dialer or an artificial or prerecorded voice to any cellular phone number that I provide now or in the future and that is associated with my accounts. These numbers include but are not limited to: cellular phones, wireless telephone numbers, and/or other wireless devices, regardless of whether I incur charges as a result. First Choice Credit Union, its affiliates, agents, assigns and service providers may contact me using the following methods: text messages, pre-recorded/artificial voice messages, and/or use of an automatic dialing system, as applicable. I certify that I am the subscriber of all telephone numbers provided to First Choice Credit Union Credit Union. Standard rates and fees may apply from your telephone provider. I understand that I am not required to provide my consent as a condition of receiving any service from First Choice Credit Union, and that I have the right revoke consent of First Choice Credit Union to contact my cellular number for marketing and/or advertisement purposes, on any and all telephone numbers provided at any time. I may revoke that consent either by e-mailing or by notifying First Choice Credit Union Credit Union through any other reasonable means. **CHANGES TO THE AGREEMENT** You acknowledge that the Credit Union Board of Directors has the legal authority to set all terms and conditions of Credit Union accounts and to change them. From time to time the Credit Union may amend the terms of this Agreement (including but not limited to) the conditions, rules and procedures. We will notify you of such changes if required by law. You agree that a notice in a Credit Union publication mailed to you regarding a change is a valid and effective change, even when you are not provided a complete copy of the change unless you request a copy. Changes will be effective on the date specified or as otherwise required by law. You may not modify this Agreement without prior written approval from us. No representation or statement made by any employee of ours shall be binding upon us unless it is made in writing and signed by the CEO/President. **MISCELLANEOUS PROVISIONS** We reserve the right, at any time and at our complete discretion, to require you to give not more than 60 days advance written notice of intention to withdraw the whole or any part of the amounts in any of your Accounts. You agree the Credit Union shall not be responsible for any delay in performance hereunder resulting from events beyond the Credit Union’s control including, but not limited to, computer, transportation, communication or equipment failure, delays caused by another party, fire, flood, or other acts of God, war, or nature. If we institute suit against you as a result of a breach by you in this Agreement or as a result of an overdraft, you agree to pay our costs of litigation, including, but not limited to reasonable attorney’s fees and court costs. You agree to hold us harmless and indemnify the Credit Union, its employees, and agents from and against any and all loss, claim, or damages, including reasonable attorney’s fees that we may incur on your behalf. The Credit Union reserves the right to waive any term in this Agreement. Any such waiver shall not affect the Credit Union’s right to enforce any right in the future. The paragraph headings are for convenience only and do not form a part of this Agreement. If any provision of this Agreement is deemed invalid, the rest of this Agreement will remain in full force and effect. **COMPLETE AGREEMENT** The Universal Account Agreement (including its attachments) and any Signature Cards for any Sub Account(s) constitute the entire Agreement between the parties. All prior and collateral representations, promises, and conditions in connection with the subject matter hereof are merged herein. Any representation, promise, or condition not incorporated herein is unenforceable. **ARBITRATION AND WAIVER OF CLASS ACTION PARTICIPATION** Each of you waive the right to participate in any class action litigation against the Credit Union. Any controversy between you and us or claim arising out of or relating to this Agreement and/or Account and any other relationships with, unless otherwise prohibited by statue or regulation, shall be settled by binding arbitration. You further agree that any such arbitration shall take place in Palm Beach County, Florida. Judgment upon any award rendered by the arbitrator may be entered by any court having jurisdiction thereof. The arbitrator shall determine the prevailing party, and the costs and expenses of the arbitration proceeding, including the arbitrator’s fees, shall be borne by the non-prevailing party, unless otherwise required by law. No provision of this Agreement, nor the exercise of any right under this agreement, shall waive the arbitration requirement or limit the right of the Credit Union to: (1) obtain provisional or ancillary remedies, such as injunctive relief, writ of attachment, or protective order from a court having jurisdiction before, during, or after the pendency of any arbitration, (2) exercise self-help remedies, such as set-off; (3) evict, foreclose against or sell any real or personal property collateral by the exercise of a power of sale under a mortgage or other security agreement or instrument, a deed of trust, or applicable law; (4) exercise any other rights under this agreement upon the breach of any term or condition herein; or, (5) to proceed with collection of the Account through all other legal methods, including, but not limited to, proceeding in court to obtain judgment. Any and all arbitration under this contract will take place on an individual basis; class arbitrations and class actions are not permitted. YOU FURTHER AGREE THAT YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY AND TO PARTICIPATE IN A CLASS ACTION. **GOVERNING LAW** This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws, including applicable principles of contract law, and regulations of the State of Florida, without regard to its choice of law provisions, and local clearinghouse rules as amended from time to time. **FAIR AND ACCURATE TRANSACTIONS ACT NOTICE** We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. **UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA) NOTICE** Certain transactions are prohibited under the Unlawful Internet Gambling Enforcement Act (UIGEA). Transactions are prohibited and may not be processed through any Credit Union account. If we reasonably suspect that your account is used for unlawful gambling (i.e. “knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”), we have the right to refuse such transaction which we reasonably suspect involves internet gambling or illegal activity. **IDENTIFICATION AND AUTHORIZATION TO OBTAIN INFORMATION** To help the government fight the funding of terrorism and money laundering activities, and to protect you against Identity Theft, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your legal name; mailing and physical residential address; date of birth; your social security number or other government identification number; and other information that will allow us to identify you. You must tell us when this information changes. We will require you provide us your current driver’s license or other government issued identifying documents. We may require one or more forms of unexpired photo identification. We may validate the information you provide to us to ensure we have a reasonable assurance of your identity. We may contact you for additional information. If your account is funded before we verify your information, you may not have access to your funds. If we are not able to verify your identity to our satisfaction, we will not open your account or we may close the account if it was previously funded. You must notify us of any name, address or other information changes. We may require you provide such changes in writing to us. If we attempt to locate you, we may impose a fee as disclosed in the Fee Schedule or other applicable agreement. **PRIVACY, PART 715 OF NCUA’S RULES** We maintain the confidentiality and privacy of your account information in accordance with our Privacy Policy. The Credit Union will provide you with a copy of its Privacy Policy at the time your membership account is opened and when otherwise legally required to do so. **FUNDS AVAILABILITY** Cash and electronic direct deposits will be available on the day we receive the deposit. The length of hold on other funds depends on the type of deposit. Credit Union guidelines may allow us to make funds available earlier than described below. When determining availability of your deposits, the day on which you may withdraw funds is counted in business days from the business day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that deposit was made on the next business day we are open. When available, you can withdraw the funds in cash and/or we will use the funds to pay items you authorized. It is important to remember availability does not guarantee ultimate collection of non‐cash items. Any item (s) returned to us unpaid will be charged back against any of your share, or share draft accounts. If you already withdrew the funds, the unpaid items may cause your account to become overdrawn. You are liable to repay the funds and you may be charged fees. ***Government Checks, Cashier Checks and Other Special Types of Checks*** Unless a longer hold applies as described below, the following types of deposits are available no later than first (1st) business day after we receive your deposit if you make the deposit in person to one of our employees: - U.S. Treasury checks that are deposited in an account held by a payee of the check - Checks drawn on the Credit Union - State and local government checks that are deposited in an account held by a payee of the check - Cashier’s, certified, and teller’s checks that are deposited in an account held by a payee of the check - Federal Reserve Bank checks, Federal Home Loan Bank checks, and US Postal Money Orders, if these items are deposited in an account held by a payee of the check - Traveler’s checks - Wires ***Availability of Other Check Deposits*** The first $225.00 from a deposit of checks will be available on the first (1st) business day after the day of your deposit. The remaining funds will be available on the second (2nd) business day after the day of your deposit. For example, if you deposit a check of $700.00 on a Monday, $225.00 of the deposit is available on Tuesday. The remaining $475.00 is available on Wednesday. ***Longer Holds May Apply*** Funds you deposit by check may be delayed for a longer period under the following circumstances: - We believe an item will not be paid. - You deposit checks totaling more than $5,525.00 on any one day. - An item(s) of redeposit that has been returned unpaid. - You have overdrawn your account repeatedly in the last six months. - There is an emergency, such as failure of communications or computer equipment. - Special rules for new accounts as described below. We will provide you written notice if we delay your ability to withdraw funds for any of these reasons. If the notice is not given at the time of deposit, we will send you notification no later than the first (1st) business day following the day of deposit. We will tell you the reason and when the funds will be available. Funds will be available no later than the sixth day (6th) after the day of your deposit. ***Special Rules for New Accounts*** If you are a new member, the following special rules will apply during the first 30 days your account is open: 1. The first $5,525.00 from a deposit of U.S. Treasury checks will be available on the first (1st) business day after the day of your deposit. The excess over $5,525.00 will be available on the ninth (9th) business day after the day of your deposit. 2. Funds from electronic direct deposits and wire transfers into your account will be available on the first (1st) business day after the day we receive the transfer. 3. Funds from deposits of cash and the first $5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and state and local government checks will be available on the first (1st) business day after the day of your deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the ninth (9th) business day after the day of your deposit. If you do not make the deposit in person to one of our employees, the first $5,525.00 will not be available until the second (2nd) business day after the day of your deposit. ***Foreign Checks*** Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institution upon which it is drawn. ### **Substitute Checks and Your Rights** ***What Is a Substitute Check?*** To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. ***What Are My Rights Regarding Substitute Checks?*** In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest‐bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. ***How Do I Make a Claim for a Refund?*** If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at 561-641-0100or 800-449-3328. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: - A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); - An estimate of the amount of your loss; - An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and - A copy of the substitute check \[and/or\] the following information to help us identify the substitute check: (identifying information, i.e., the check number, the name of the person to whom you wrote the check, the amount of the check). **INTERNATIONAL ACH DEPOSITS/ HOLD ON FUNDS** IAT ‐ International ACH Transaction (IAT) or IAT Entry means a credit or debit Entry that is part of a payment transaction involving a financial agency’s office that is not located in the territorial jurisdiction of the United States. You acknowledge that in the event an International ACH Transaction (“IAT”) Entry that is transmitted to or from your account(s) is identified and designated by the Financial Institution’s screening criteria for review and examination under the Office of Foreign Assets Control (OFAC) Rules and Regulations, then the settlement of such an IAT entry may be delayed or suspended pending the Credit Union’s review of the IAT entry, and may be terminated under applicable OFAC Rules. *OFAC Rules are economic and trade sanctions administered and enforced by the Office of Foreign Assets Control (OFAC) of the US Department of the Treasury to prevent “prohibited transactions” based on U.S. foreign policy and national security goals against targeted foreign states, organizations, and individuals.* You acknowledge that the Credit Union may be required to place an indefinite hold on the funds covered by the IAT entry if the IAT entry is required to be terminated under the OFAC Rules. You agree that any delay described in the foregoing provisions of this paragraph is a permissible delay under the terms of laws and regulations applicable to the availability of funds held in deposit accounts. In the event an IAT entry is delayed or terminated, the Credit Union will provide you such notice as may be required by the OFAC Rules¹ or NACHA Rules, or other applicable laws and regulations. We may add a fee, as disclosed in the Fee Schedule, for processing an IAT transaction. **WIRE TRANSFERS** The following terms shall apply to all wire transfers of funds (as defined by Federal Regulation J and Article 4A of the Uniform Commercial Code as set out in the Code of Florida) to or from any of the member’s accounts at this Credit Union. To the extent the terms contained in this Agreement are different than those in any other agreement or terms of accounts, this Agreement shall control and be deemed to modify such other agreement or terms of accounts. If you request a funds transfer to be made or if a funds transfer is made to your Account, the Federal Reserve Board’s FedWire may be used. Regulation J governs all FedWire Transfers and therefore, determines the rights and liabilities of the parties of the transfer. All Automated Clearing House payments are provisional. We may give you credit before we receive final settlement of the funds transfer. If we do not receive payment for the provisional credit granted we might charge back to you any provisional credit that we have given. In that event, you authorize us to take such sum from any Account in which you have an ownership interest or the right to withdraw. Notice of funds transferred from or a receipt of a funds transfer into your Account will be made by us on your periodic statement for the affected Account. We are not obligated to provide you with next day notification of transfers to your Account. You may, of course, inquire between periodic statements regarding transfers. You agree to examine the periodic statement within fourteen (14) days after the statement is mailed and immediately notify us of any discrepancy or error. If you fail to notify us within fourteen (14) days after the statement is mailed you shall discharge and relieve us from any liability of claims, demands or expenses (including attorney’s fees) in connection with such discrepancy or error. All funds transfer will be made according to our security procedures. Those security procedures are intended to verify that an order is authorized and detect errors in the transmission or content of the payment order. Unless changed by written agreement, the security procedures we will use are: (1) wire transfers must be made in person at the Credit Union; (2) you will be required to produce your approved photo identification; and (3) you will be required to sign a wire transfer authorization. These security procedures will also apply to any amendment or cancellation of a payment order. A payment order, verified by the security procedure is effective as your order, whether or not the order is in fact authorized by you. We may give you notice of change in the security procedures. In this event, we shall have no obligation to accept any payment order from you or other authorized parties on the account until you and the Credit Union agree in writing to an alternate security procedure. If a beneficiary of a funds transfer is identified by name and an identifying number or account number, payments made to the beneficiary may be made on the basis of that identifying number or account number even if the number identifies a person different from the named beneficiary. We will not be responsible for the amount of the transfer paid by means of a designated identification number or account number even if it goes to the wrong beneficiary. If a payment order identifies an intermediary or beneficiary’s financial institution only by an identifying number or account number, we may rely on that number as being the proper identification of the intermediary or beneficiary’s financial institution. If a payment order identifies an intermediary party or beneficiary’ financial institution by both name and an identifying number, and the name and number identify different financial institutions, we and any receiving financial institution may rely on the identifying number as the proper identification of the intermediary party or beneficiary’s financial institution. You agree to indemnify us for any loss or expense that result from our reliance on an incorrect identifying number or account number. We are authorized to take the amount of such loss or expense from any Account in which you (or any of you) have an ownership interest or the right to withdraw. Any rate of interest that we may be obligated to pay as a penalty under Regulation J or Article 4A shall be equal to the dividend rate paid on the account from which the funds transfer should have occurred or to which the proceeds of the funds transfer were or should have been deposited, whichever is lower. Our liability is limited to the payment of this interest. **You agree that-under no circumstances-will we be liable for any indirect, incidental, consequential, remote or special losses or damages, including attorney’s fees and costs, arising from any wire transfer.** We may establish or change the cut-off time for the receipt and processing of funds transfer requests, amendments, or cancellations. Payment orders, cancellations or amendments received after the applicable cut-off time may be treated as having been received on the following business day we are open and processed accordingly. Additionally, the cut-off time may be extended without notice to you if an intermediary or beneficiary institution is closed. We are under no obligation to accept a cancellation or amendment to the funds transfer order received from you but may do so at our option. We may, at our option, choose not to carry out your funds transfer order, including cancellation or amendment of an order, that is not in accordance with the terms of this agreement, or if the transfer is prohibited by a court order garnishment, tax levy or the like, or we reasonably believe such transfer would result in a loss to us. We are not obligated to give you notice of such action, but notice may be given in your next periodic statement or as otherwise required by law. Requests for funds transfers must be made in accordance with the rules and procedures that we have in place at the time of the request. We may charge you a fee for the transfer or other related services according to our Fee Schedule at the time of the funds transfer order. **ELECTRONIC FUND TRANSFERS (EFTS)** The following terms and conditions will govern all electronic fund transfers (EFTs) initiated by you or anyone else you have given access to your Accounts, whether by telephone, automated teller machines (ATMs), Automated Clearing House (ACH) networks, or by any other electronic means. You agree to be responsible for all unauthorized EFTs made from your Accounts subject to limitations contained in applicable federal law. Those limitations on your liability for unauthorized EFTs are summarized later in this part. By signing the Signature Card, you request us to issue an access device and authorize us to issue one to you. You agree that any Visa Check Card issued to you remains our property and may not be transferred or assigned to anyone. Upon our request, you agree to return your Visa Check Card to us. Everyone who receives, signs, or uses a Visa Check Card issued under this Agreement must be a party to this Agreement. We may terminate access to EFTs or cancel your access devices at any time. Upon such termination, we shall give you notice of termination. The devices may not be used after we cancel them or after they have expired. If we do cancel, you agree to return your Card(s) to: First Choice Credit Union, Attention: Member Services Department, 1055 South Congress Avenue, West Palm Beach, FL 33406. Access to EFTs may be terminated by you by giving a written notice to us and returning the Card to us. Termination of the access device shall not affect the liability you incurred prior to termination. You must keep your share account(s) and Checking Account(s) open in order for your access to EFTs to remain valid. You agree to pay the current charges shown on our Fee Schedule and any future charges that may be approved by our Board of Directors for the use of EFTs. You authorize us to take any such fees from any account in which you have an ownership interest or right to withdraw. We believe that the various means of accessing EFTs will prove to be reliable. However, certain means may not operate properly at all times. We, therefore, will not promise that our systems will always be available for your use. You promise not to attempt to make a transfer when a system tells you or other circumstances give you a reason to believe that the system is closed or is not operating properly due to a technical malfunction or are otherwise unable to make the transfer you desire. You agree that if we notice your accounts are being used more frequently than usual, or are having larger amounts withdrawn than are usually withdrawn, we may try to contact you to verify that the access device to the EFT has not fallen into the hands of an unauthorized user. If we do not reach you, we may, in order to attempt avoidance against possible losses, choose to invalidate your access device the next time it is used. If we do, in fact, invalidate your access device, it may be revalidated. Contact us for the particulars involved in revalidating the device. However, you understand that we have no obligation to keep up with how the account is usually used or to notify you if we notice unusual activity. To initiate transactions via a Visa Check Card or our telephone response system, you must have a personal identification number (PIN). You agree not to tell your PIN to anyone, not to write the PIN on your Card or do anything else that would cause the Card or PIN to fall into the wrong hands. You agree also to tell us if you believe the Card or PIN has been stolen or lost. The fastest way to notify us in by calling 561-641-0100 or 1-800-449-3328 during business hours. You agree that we are not responsible for providing security guards or other security measures at various ATM terminals unless required by applicable law. If you make a transfer, deposit or payment at an ATM terminal, you agree that the correct amount, in the event of a discrepancy between a written receipt or deposit slip, will be the amount that we find in the envelope used to make the transaction. You agree that each transaction completed during normal Credit Union business hours will be posted immediately to your account; transactions received after normal Credit Union business hours may be posted on our next regular business day. You further agree that credit to accounts for non-cash Items will be conditional until we can collect the Item. If we cannot collect the amount of the non-cash Item, that amount will be deducted from your account. You agree that the EFT system shall be used only for the type of EFTs we offer and to have access only to the accounts that we in advance have approved. If through some error the Card permits you to withdraw funds from an account that you should not be allowed to use, we may charge the amount involved to an account that you can use. Purchases and cash withdrawals made in foreign currency will be debited form your account in U.S. Dollars. The conversion rate will be (1) a rate selected by Visa from a range of rates available in the wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa receives; or (2) the government mandated rate in effect for the applicable central processing date. All transactions processed outside the United States may be charged a foreign transaction fee in the amount disclosed on the Credit Union’s fee schedule. ### **Your Access Device and Electronic Fund Transfers** YOU CANNOT TRANSFER MONEY INTO OR OUT OF YOUR ACCOUNT UNTIL WE HAVE ACTIVATED YOUR USE OF OUR ELECTRONIC FUND TRANSFER SYSTEM. To activate your Visa Check Card or to have access to Voice Response you need to contact our office and obtain a PIN. To access Home Banking, you need to call our office to register and, then, go to www.First Choicecu.net and sign-up for each service. You will need to designate a login and password. When we issue you a PIN, the system will accept the use of your access devices. You cannot use your Visa Check Card or Voice Response to transfer money into or out of your Account without a PIN. You cannot access Home Baking without a login and password. If you receive a Card that you do not want to use, please destroy it by cutting it in half and returning it to us. ***Account Access*** The following types of transactions may be made with your Account: 1. Preauthorized deposits made directly from other persons into your Share and Checking Accounts 2. Preauthorized transfers made directly to other persons from your Share and Checking Accounts **Visa Check Card Transfers and Limitations** Your Visa Check Card(s) may be used at any ATMs owned by the Credit Union and any affiliate locations. When used with your PIN, an ATM will allow you to initiate any of the following transactions provided the accounts have been authorized for use: 1. Cash Withdrawal from Share and Checking Accounts 2. Transfers from Share to Checking Accounts 3. Transfers from Checking to Checking Accounts 4. Obtain information about your Share and Checking Account balances You may NOT use your Visa Check Card to reserve or rent an automobile. You may withdraw up to $500.00 in cash per 24 hour period, the most at one time being $500.00, with your Visa Check Card from any one designated Account or a combination of your designated Accounts. You may not exceed $500.00 per day in Visa Check Card transactions. ***Call 24 – Using Voice Response and Making Telephone Transfers*** If your account is approved for CALL 24, a separate PIN will be assigned to you. You will use this PIN with your account number to access CALL 24. You can access CALL 24 and make automatic transfers on accounts subject to this Agreement by calling your 24-hour CALL 24 at (561)-642-6686 or (800) 731-3328 and following the step-by-step procedure provided by the telephone teller. You will have to utilize your (PIN) and your account number to access CALL 24. The PIN provided you for CALL 24 may be used with any Touch Tone telephone and allows you to initiate any of the flowing transactions, provided the Accounts have been authorized for use. You may request: 1. A Check Withdrawn from Share Accounts, Checking, or Money Market Acounts; 2. Transfers from Share Accounts to Checking Accounts and Loan Accounts 3. Transfers from Checking Accounts to Share Accounts and Loan Accounts 4. Account Balances and Deposits 5. Information on Electronic Funds Transfers (Debit cards, etc.) 6. Information on Cleared Checks 7. Information on Current Dividend and Loan Rates 8. Information on Dividends Earned and Paid on your Accounts for the Prior Quarter 9. Change your PIN 10. Make a Payment of your First Choice Credit Union MasterCard. ***Check Cards*** Your Check Card may be used to access your Checking Account to purchase goods, pay for services, get cash from a merchant, if the merchant permits, or from a participating financial institution up to your available balance. There is no limitation on the number of withdrawals. You may withdraw up to $1,500.00 ($500.00 of which may be done using your Visa Check Card for Cash) from any one Account or a combination of your designated Accounts in any 24 hour period, subject to the available balance in your Account and network access. Furthermore, you may not exceed $500.00 in cash per business day from any one designated account or a combination of your designated account. Not all services are available, and the dollar limit may be different at some ATMs. For security reasons, there are other limits on the number and dollar amounts on point-of-sale terminals. ***Electronic Check Conversions/Electronic Returned Check Fees*** You may authorize a merchant or other payee to make a one-time electronic payment from your Account(s) using information from your share draft to: (i) Pay for purchases, (ii) Pay bills. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. ***Liability for Unauthorized Debit Card Transactions*** If you tell the Credit Union after learning of the loss or theft of the Card, your liability for unauthorized transactions using the debit system is zero. For ATM transactions, Card transactions through a non-network or cards issued outside the United States, if you tell the Credit Union within two (2) days after learning of the loss or theft of the Card, your liability for unauthorized transactions is $50.00 and $500.00 if you do not tell the Credit Union within two (2) business days. If you do not tell us within sixty (60) days after the statement was mailed, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money had you told us in time. We may require you to provide a written statement regarding claims of unauthorized transactions. If we determine that you have been grossly negligent or fraudulent in the handling of your account or Card, your liability may increase. These rules do not apply to other electronic transfers. You agree the Card may not be used for any illegal transaction, including, but not limited to, unlawful gambling. #### SUMMARY OF YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS FROM YOUR SHARE OR DEPOSIT ACCOUNTS ***In General*** Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus your maximum overdraft line of credit and open-end credit). If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50.00 if someone used your Card or PIN without your permission. If you do NOT tell us within two business day after you learn of the loss or theft of your card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.00. Also, if your Statement shows transfers that you did not make, including those made by Card, code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the Statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. ***Liability Limits for Debit/Check Card when Used for Point-of-Sale Transactions*** Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Debit/Check Card, when used for point-of-sale transactions if you report the loss or theft of your card within 2 business days of when you discover the loss or theft of the card. If you do NOT tell us within 2 business days, your liability is the lesser of $50 for the amount of the money, property, labor, or services obtained by the unauthorized use before notification to us. ***Reporting Location*** If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call (561) 641-0100 or 1-800-449-3328 or write us at First Choice Credit Union, Attention: Member Services Department, 1055 S. Congress Avenue, West Palm Beach, FL 33406. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. ***Service Charges*** A list of the fees and charges that are applicable to your electronic fund transfers is disclosed on the Rate Schedule and Truth in Savings Disclosure and Fee Schedule. In addition, each account affected by the transaction will be subject to the regular service charge imposed for that specific Account as set forth in the Dividend Rate and Fee Schedule. ***Summary of Your Right to Receive Documentation of Transfers*** You can get a receipt at the time you make any transaction to or from your Account using one of our ATM or POS terminals. If you have arranged to have direct deposits made to your Account at least once every 60 days from the same third person or company, you can call us at (561) 641-0100 or 1-800-449-3328 to find out whether or not the deposit has been made. You will receive a monthly statement, unless there are no transfers in a particular month. In any case, you will receive a statement at least quarterly. ***Right to Stop Payment of Preauthorized Transfers*** If you told us in advance to make regular payments out of your Account, you can stop any of these payments. Here’s how: Stop Payment using the CALL 24 system or write us at First Choice Credit Union, Attention: Member Services Department, First Choice Credit Union, Attention: Member Services Department, 1055 S. Congress Avenue, West Palm Beach, FL 33406 in time for us to receive your request at least 3 business days before the payment is scheduled to be made. If you call us, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you a fee for each stop payment order you give. If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment when it will be paid and how much it will be. (You may choose instead to get this notice only when a payment would differ by more than a certain amount from the previous payment, or when the certain amount would fall outside certain limits that you set). ***Liability for Failure to Stop Payment of A Preauthorized Transfer*** If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. ***Financial Institution’s Liability For Failure To Make Transfers*** If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 1. If, through no fault of ours, you do not have enough money in your Account to make the transfer; 2. If the ATM terminal where you are making your transfer does not have enough cash; 3. If the ATM terminal was not working properly and you knew about the malfunction when you started the transfer; 4. If your transfer would go over the credit limit on your credit line; 5. If circumstances beyond your control, such as fire or flood, prevent the transfer, despite reasonable precautions that we have taken; 6. If the funds in your Account are subject to a court order or other restriction preventing the transfer; and 7. There may be other exceptions stated in our agreement with you. ***In Case of Errors or Questions About your Electronic Transfers*** Call 561-641-0100 or 1-800-449-3328 or write us at First Choice Credit Union, Attention: Member Services Department, 1055 South Congress Avenue, West Palm Beach, FL 33406 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include: 1. Your name and Account number, 2. A description of the error or the transfer you are unsure about, 3. An explanation of why you believe it is an error or why you need more information, and 4. The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 business days if the transaction involved an account opened within 30 days) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction, a foreign initiated transfer, or the transaction involved an account opened within 30 days) to investigate your complaint or question. If we decide to do this, we will recredit your Account within 10 business days (20 business days if the transaction involved an account opened within 30 days) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If the error you assert is an unauthorized VISA Debit/Check Card point-of-sale transaction, we will recredit your account within 5 business days unless we determine that the circumstances of your account history warrant a delay, in which case we will recredit your Account within 10 business days. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not recredit your Account. If we decided there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We reserve the right to retract any provisional credits given to you should we suspect fraud or determine that there was no error. ***Termination of EFT Services*** You may terminate any EFT service under this Agreement at any time by notifying the Credit Union in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payments transfers has been revoked. The Credit Union may also terminate this Agreement at any time by notifying you orally or in writing. If the Credit Union terminates this Agreement, it may notify any participating merchants that authority to make bill payments transfers has been revoked. The Credit Union may also terminate any EFT service under this Agreement at any time by notifying you orally or in writing. If the Credit Union terminates any EFT service, it may notify any participating merchants making preauthorized debits or credits to any of your Accounts that the Account has been terminated and that the Credit Union will not accept any further preauthorized transaction instructions. The Credit Union may also program its computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination. **CHOICE OF LAW** – The law of the State of Florida (without regard to conflict of laws provisions of Florida law) shall apply to this Agreement and the law of the State of Florida (without regard to conflict of laws provisions of Florida law) shall be used to resolve any disputes or disagreements arising pursuant to this Agreement or pursuant to membership in the Credit Union. **CHOICE OF VENUE** – Any legal action regarding this Agreement or regarding membership in the Credit Union must be brought only in the county where the principal office of the Credit Union is located. --- ### [Switch Kit](https://www.firstchoicecu.org/switch-kit/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Switch Kit ## Switch Kit Sometimes the stress of considering an action is harder than the action itself. Take switching accounts: At FCCU, we make it easy to switch your accounts from your prior institution directly to your credit union. Simple forms, easy instructions, and we handle most of the work for you! That’s switching, First Choice Credit Union style! [Download our Switch Kit](https://www.firstchoicecu.org/wp-content/uploads/2023/09/FCCU_Switch-Kit_2023.pdf) ### Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details. [Schedule an Appointment](https://calendly.com/firstchoicecu) --- ### [Stay Connected](https://www.firstchoicecu.org/stay-connected/) **Published:** September 28, 2023 **Author:** Josh Marruffo **Content:** ## Stay Connected Fill out the form below to subscribe to our email notices --- ### [Starfish Savings Club](https://www.firstchoicecu.org/starfish-savings-club/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## Starfish Savings Club ## Learning and Earning Our Starfish Savers Club provides children with a savings account, plus gives children initiative to save extra money. In addition to savings, for every deposit into their Starfish Saver’s Club account, your children will earn a Starfish stamp, which can be redeemed at the credit union for cool prizes. Children under the age of 12 can learn to save money with a minimum deposit of $5. Smiley says ## *“Get Your Kids Hooked On Savings”* Saving with Smiley is fun and easy. Parents or guardians can help kids open their account with a small deposit. **Plus, kids get lots of cool stuff including:** - A Starfish Savers Coin Bank - A Saving is Fun passbook to record deposits - Special star stamp for each deposit made - Chance to fish for “starific” prizes - [Dividends](https://www.firstchoicecu.org/rates/#deposit) earned on savings ## A Treasure Chest of Goodies Every deposit in a Starfish Savers Club account earns a Starfish stamp. More deposits earn more stamps and super prizes to choose from. Start collecting prizes with a minimum of five stamps. ## Make Saving Fun Whether saving for a bike, a toy, or a DVD, our Starfish Savers will learn about the value of money. **Some important items to note:** - The child must have their own Social Security number when the account is opened. (A copy of the card will be accepted if a single parent, grandparent, or guardian doesn’t have the child’s actual card.) - A parent, grandparent, or guardian must be a joint owner on the account. [Open a Starfish Savings Club Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Special Purpose Savings](https://www.firstchoicecu.org/special-purpose-savings/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Special Purpose Savings ## Special Purpose Savings Whether you are saving for fun or for necessity, in addition to your Main Share account, this “special purpose” savings account offers you a customized option that helps you save for a specific goal. Wedding, vacation, new car, new baby, healthcare expenses …. the options for “purpose” savings are endless and personalized to your need. - Minimum Balance: None - Dividends\*: Calculated daily, paid quarterly [**See Deposit Rates**](https://www.firstchoicecu.org/rates/#deposit) [Open an Special Purpose Savings Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Share Savings](https://www.firstchoicecu.org/share-savings/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Share Savings ## Share Savings When you join a credit union, you pledge a “share” that enables you to participate in the member-owned cooperative and ensures you a vote in the democratic process. This account is your member ownership account and can also be used as a savings account. A $5 deposit in our Share Savings account establishes your membership with FCCU. **Your Share Savings Account entitles you to all FCCU member benefits.** - Minimum Balance: $5 - Dividends\*: Calculated daily, paid quarterly [**See Deposit Rates**](https://www.firstchoicecu.org/rates/#deposit) [Open an FCCU Share Savings Account](https://app.consumer.meridianlink.com/apply.aspx?lenderref=Firstchoice071520&list=XASAST&reffalsource=website) Each member’s account is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. All Individual Retirement Accounts are separately insured to $250,000 by the NCUA. --- ### [Share Insurance Estimator](https://www.firstchoicecu.org/share-insurance-estimator/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Share Insurance Estimator ## Share Insurance Estimator At FCCU, your deposits are federally insured up to the legal limits of NCUA. **Find out how much is covered for you.** [Share Insurance Estimator](https://mycreditunion.gov/share-insurance-estimator-faq) ![Couple with dog on couch watching tv](https://www.firstchoicecu.org/wp-content/uploads/2023/09/deposit_share-insurance-estimator.jpg "deposit_share insurance estimator") --- ### [Safe Deposit Boxes](https://www.firstchoicecu.org/safe-deposit-boxes/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Safe Deposit Boxes ## Safe Deposit Boxes Do you need a place to keep your valuable assets safe? FCCU offers a variety of safe deposit box sizes at [West Palm Beach location ](https://www.firstchoicecu.org/locations/)for a low annual fee. Safe deposit boxes are locked in vaults at each location to keep your valuables safe. Don’t take any chances with family heirlooms, expensive jewelry, or important papers; enjoy peace of mind with an FCCU safe deposit box today. Contact us today to see the available box sizes, locations, and annual cost. ![Wall of safe deposit boxes](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_safe-deposit-boxes.jpg "resources_safe deposit boxes") --- ### [Product Comparison](https://www.firstchoicecu.org/product-comparison/) **Published:** September 22, 2023 **Author:** Josh Marruffo **Content:** ## Product Comparison ## Product Comparison Find the right home equity account for your financial needs: a loan or line of credit. [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Tablet with reports and charts](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_member-support-tools.jpg "resources_member support tools") [Advantages](#f29eadf005308cb1d) Home Equity Loan Home Equity Line of Credit Interest rates are locked in over the life of the loan for most Second Mortgages. Homeowners don’t have to worry about unexpected rises in their mortgage monthly payments. If you don’t know for sure how much money you will need over a period of time, a HELOC allows the borrower to take advances as they need. As you pay it back, it frees up more credit. A borrower will typically enjoy lower monthly payments since the period of the Second Mortgage is usually longer, such as 15 years. Borrowers typically have lower monthly payments versus a Second Mortgage. Since a Second Mortgage loan is a one-time, lump sum, some homeowners may find it easier to avoid additional debt versus a HELOC where you can continuously draw down money from the loan Borrowers usually enjoy a lower interest rate since this is a variable cost loan. [Good Choice If](#f821032523b0d8874) Home Equity Loan Home Equity Line of Credit You prefer fixed monthly payments that won’t change. A lower interest rate is more important than the possibility of an increase in your monthly mortgage payment. A longer loan term is necessary. It is uncertain how much money you will need to borrow and when. [Other Considerations](#227c6a9e4e9f796ec) Home Equity Loan Home Equity Line of Credit Since Second Mortgage loans are fixed rate loans, if interest rates fall, the borrower will end up paying more in interest versus a HELOC which usually uses a variable rate that adjusts downward. A borrower will not have the security of locked in payments. As interest rates change, so will the monthly payment. Since the life of the loan is longer, for example 15 years, you end up paying more in interest. A HELOC has a shorter loan length which will require faster payment. You only receive money one time, so if additional costs arise, the borrower would need to apply for a new loan or consider refinancing. --- ### [Mobile Wallet](https://www.firstchoicecu.org/mobile-wallet/) **Published:** September 16, 2023 **Author:** Josh Marruffo **Content:** ## Mobile Wallet ## Mobile Wallet When you register your FCCU debit and/or credit card with Apple Pay, Google Pay, or Samsung Pay (depending on your phone), you will get to experience the safety and convenience of using your phone for mobile payments—acting as your FCCU debit or credit card. - **It’s safe:** Enjoy a touch-free experience when you use your card in public. - **It’s secure:** With a unique tokenization number given with each transaction, the merchant never sees your card. - **It’s simple to use:** Just swipe with your phone without ever taking your card out of your wallet. - **Pay individuals:** Using your debit card, you’ll be able to pay an individual with a simple text message. --- ### [Mobile Deposit](https://www.firstchoicecu.org/mobile-deposit/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Mobile Deposit Tap and Go! ## Enjoy Deposits Made On The Move For Your Busy Lifestyle! Our Mobile Deposit product allows you to take a picture of a check for deposit with your mobile device and transmit it to First Choice Credit Union for deposit from wherever you are whenever you would like, any hour of the day, every day of the year! Our per item limit to deposit is $2,000. Using your secure First Choice Credit Union Mobile Banking app, you can register by clicking Check Deposit at the bottom of your page (Apple) or clicking Deposit Checks (Android). [![Apple App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/app-store-desktop.png)](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) [![Google Play App Store Button](https://www.firstchoicecu.org/wp-content/uploads/2023/09/google-play-desktop.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) ### Member Qualifications - Install the FCCU Mobile Banking app on your mobile device. - You must maintain a positive balance in your account. - Ensure that your account is not classified as dormant. - Your account must have a current street address. - You must have no charged off accounts. - You must be over 18 years of age. ![Phone mockup on the FCCU app](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Check-Deposit_phone-2.png "Check Deposit_phone-2") ### Proper Check Endorsement Endorsements must be made on the back of the share draft or check within 1.5 inches from the top edge. For the mobile deposit to be processed, your endorsement must include the following three items: - Signature matching the Pay to the Order of name on the check. - Your FCCU account number. - A notation saying For Mobile Deposit. --- ### [Loan Protection Products](https://www.firstchoicecu.org/loan-protection-products/) **Published:** October 3, 2023 **Author:** Josh Marruffo **Content:** ## Loan Protection Products ## Credit Disability and Life Insurance **Credit Disability and Life Insurance:** Both can help ease the financial stress for you and your family should you be out of work due to a total disability or in the event of your death. Both are available at a nominal charge. ### Fill out the form below to receive a quote. A representative will be back in touch during normal business hours. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, or MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except California and Alaska, where coverage is administered by Virginia Surety Company, Inc., Washington, where coverage is administered by National Product Care Company, Inc., and Florida, Louisiana, Oklahoma and Wisconsin, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc. CDCL-0212-CF8D --- ### [Lease Buyout Refinance](https://www.firstchoicecu.org/lease-buyout-refinance/) **Published:** October 3, 2023 **Author:** Josh Marruffo **Content:** ## Lease Buyout Refinance ## Lease Buyout Refinance Sometimes, the end of an auto lease can mean saying goodbye to the car you love and having to buy or lease another one. FCCU is here help you avoid all that with our lease buyout options. A lease buyout refinance allows you to buy your car from the leasing company. We make it easy, First Choice style. 1\. Look at your lease contract. Review your original lease agreement to determine how much it will cost to buy out your lease and purchase your car. Your lease contract and agreement should outline the residual value, or the purchase option price. If you choose to keep the car, you’ll need to pay the residual value amount plus any taxes or DMV fees. You may also have administrative fees that are charged by the leasing company. If you decide to move forward with the lease buyout, we’re here to help you. See step 2 for the next steps: 2\. Gather the required documents. You’ll need your driver’s license, a lease payoff letter, the vehicle registration, and proof of insurance. Once you’ve gathered these items, submit an auto loan refinance application or contact us with any questions! [Apply Today](https://app.consumer.meridianlink.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) --- ### [Join FCCU](https://www.firstchoicecu.org/join-fccu/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Join FCCU At First Choice Credit Union, we put you first. ## Join FCCU! Membership in First Choice Credit Union is open to: - Anyone living or working in Palm Beach County. - All employees and retirees of the Federal Government and veterans of any branch of the service living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties. - Individuals holding a professional license from the state of Florida and living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties. - All family members of an existing FCCU member. Once a member, always a member! [Join Now](https://app.consumer.meridianlink.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQDl6WvSpyldOLw-u3iOooV_5-zMmnGbfy0C9leDGJ1nwtp8uo7I6vewv4qQmbNAMBuTh_AlPRTAxni9SBNLYXbHhLOJkTgsLUXpn1Uw0zVj8) ![Couple in kitchen on their laptop](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_join-fccu.jpg "resources_join fccu") --- ### [I Want To](https://www.firstchoicecu.org/i-want-to/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## I Want To… # Build My Savings Building a savings nest egg serves three very important purposes. 1\. You’ll have a safety net for unexpected expenses. 2\. Enjoy flexibility in managing your life’s expenses. 3\. Find comfort and confidence that whatever happens in life, you are prepared. [View Savings](https://www.firstchoicecu.org/savings/) # Manage My Money Managing your finances and resources can be a time-consuming process. Make life easier with key FCCU tools and tips. [View On The Go](https://www.firstchoicecu.org/on-the-go/) # Reduce My Debt FCCU can assist you with both actions! Compare our rates with what you are currently paying, and we can help calculate the savings! **Reducing your debt can be achieved through two financial actions:** 1\. Paying off the debt. 2\. Reducing the interest rate you pay. [View Borrow](https://www.firstchoicecu.org/borrow/) # Buy A House The dream of homeownership or the keys to the house you have always wanted are within reach with FCCU on your side! [View Mortgage](https://www.firstchoicecu.org/mortgage/) # Get A Car Buckle up and prepare to test drive the car that excites you most. An affordable care loan is right around the corner at FCCU! [View Auto Loans](https://www.firstchoicecu.org/auto-loans/) # Open A Credit Card Enjoy the flexibility to handle credit the way you want. FCCU offers a variety of credit card options tailored to your lifestyle. That’s flexibility …First Choice Style. **All credit cards offer:** No annual fees Cash advances at ATM worldwide Balance transfers An interest-free grace period on purchases [View Credit Cards](https://www.firstchoicecu.org/mastercard/) --- ### [Home Banking](https://www.firstchoicecu.org/home-banking/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Home Banking ## Bank at the Speed of Light! FCCU members can enjoy the convenience of managing their accounts anytime with our FREE home banking service anywhere. To log in for the first time: Register now and get started. [Register Now](https://www.fecuhb.org/dbank/live/app/register) ### With this convenient, free service members can: - View and print balances and account histories. - View the front and back of checks that have cleared your account. - Balance your checkbook. - Transfer funds. - Set up your own automatic transfers for a one-time or ongoing transfer; the choice and ability are yours! - Receive electronic statements in place of the mailed paper statement. - Make loan payments. - Apply for a Visa check card. - Get MasterCard advances. - Get Home Equity Line of Credit advances. - Sign up for our online bill-paying service. - Notifications – This feature allows you to set up email notices to yourself for various reasons. - **Maturity Date Notification:** Letting you know when a CD is set to mature. - **Check Cleared:** Lets you know when a certain check has cleared your account. - **Balance Notice:** Allows you to easily keep up with all your account balances. - **Personal Reminder Notification:** Keeps you from forgetting that special birthday or anniversary. Need a friendly reminder? Set it up here! Home Banking is free to all FCCU members. You’ll see just how easy it is to use! For fees related to Online bill pay, please refer to our [Schedule of Fees](https://www.firstchoicecu.org/disclosures-and-fees/) for any fees relating to this product. --- ### [Financial Education](https://www.firstchoicecu.org/financial-education/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## Financial Education ## Financial Education Financial education means different things to different people. To FCCU, it means providing clear guidance and insights for our members to best manage their financial lives. It may be as simple as reconciling a checking account or as complex as understanding questions to ask when considering your future financial planning goals and outcomes. FCCU is here for you, our members. Be on the lookout for new information shared, learning session availability or simply [make an appointment](https://calendly.com/firstchoicecu) at your closest First Choice CU branch and pick the brains of our knowledgeable staff. ![Woman helping another woman](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_financial-education.jpg "resources_financial education") --- ### [eZCard](https://www.firstchoicecu.org/ezcard/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## eZCard ## Manage Your First Choice Credit Union MasterCard Online! It’s free and easy to use. Simply visit [eZcardinfo](https://www.ezcardinfo.com/) and enroll for this great service. **You’ll be able to:** - Review your account information. - Search for certain transactions by amount or date. - Track your spending and even create your own expense reports. - Set up alert notifications. - Make a one-time payment. [Apply now](https://app.consumer.meridianlink.com/cc/CreditCard.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) ![Older man on couch with laptop](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_eZcard.jpg "Borrow_eZcard") ### To report a lost or stolen FCCU MasterCard, Please call *1-800-325-3678.* [See eZcard Info](https://www.ezcardinfo.com/) --- ### [External Transfers](https://www.firstchoicecu.org/external-transfers/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## External Transfers ## Put FCCU At The Center Of Your Financial Life With Ease! Members can now transfer money between your First Choice Credit Union Share, Checking, and Money Market accounts and your accounts at other financial institutions. An *inbound transfer* moves funds into an account at FCCU. An *outbound transfer* moves funds from an account at FCCU to an account outside of FCCU. Transfers can easily be managed from online home banking and the mobile app. ![People on their phones](https://www.firstchoicecu.org/wp-content/uploads/2023/09/on-the-go_external-transfers.jpg "on the go_external transfers") ### Quick, Easy, and Secure: - Receive funds within 1-4 business days. - Move funds to FCCU. - Move funds from FCCU. ### Get started within your FCCU online home banking app: 1. Have your account number and routing number from the other financial institution. 2. Log in in to First Choice Home Banking Online and select the Move Money tab. 3. Select External Transfers. 4. Follow the prompts and instructions to set up your other non-FCCU account information. ### How to get started on the mobile app: 1. Log in to the mobile app. 2. Select the More tab in the bottom right corner. 3. Select External Transfer. 4. Follow the prompts to set up your external accounts. Members will need to acknowledge that origination of ACH transactions to your account must comply with the provisions of U.S. law and that you are authorized to conduct transactions on all accounts involved in the transfer. You agree that you will only attempt to enroll accounts for which you have the authority to transfer funds in and out. [See terms and conditions for daily and monthly transfer limits](https://www.fecuhb.org/bridge/disclosures/et/disclose.html). All accounts requested to be used as part of this service will be verified in accordance with FCCU procedures. The verification process must be completed by you prior to using the service. Verification instructions are displayed to you during the enrollment process. In order to verify this external account, you authorize FCCU to make two (2) small (under $1) deposits and one offsetting withdrawal, equal to the two (2) small deposits, to the above listed account. You agree that FCCU is not responsible for any overdraft, insufficient funds, or other fees that result solely as a result of your failure to make at least $1 available for transfer. --- ### [eStatements](https://www.firstchoicecu.org/estatements/) **Published:** September 21, 2023 **Author:** Josh Marruffo **Content:** ## eStatements ## eStatements Signing up for FCCU eStatements is fast and easy. Just sign in to your FCCU home banking and use the eStatements menu along the top. A box will be pre-checked to GO Paperless. View the disclosure and click continue; you are all set. eStatements, also referred to as electronic statements, have many advantages over paper statements. - **Faster:** eStatements are available shortly after the month ends. - **Greener:** No paper, ink or fuel is needed to get your eStatement, making them environmentally friendly. - **Secure:** Mail can be lost, stolen, or tampered with, but eStatements are more secure. - **Disposal.** eStatements eliminate the need to securely dispose of paper statements. - **Save:** You will avoid the $2 paper statement fee each month a paper statement is delivered. You will receive an email notification when your FCCU eStatements are available. The eStatements are PDF documents that are easily stored on your home device. There are 24 months of online storage available from the point you begin eStatements. ![Woman on laptop](https://www.firstchoicecu.org/wp-content/uploads/2023/09/resources_estatements.jpg "resources_estatements") --- ### [Credit Card Disclosures](https://www.firstchoicecu.org/credit-card-disclosures/) **Published:** October 6, 2023 **Author:** Josh Marruffo **Content:** # Credit Card Disclosure [MasterCard Classic](https://www.firstchoicecu.org/credit-card-disclosures/#classic-card) [MasterCard Gold](https://www.firstchoicecu.org/credit-card-disclosures/#gold-card) MasterCard Classic DisclosureAnnual percentage rate (APR) for purchases 14.76% Other APRs Cash Advance APR: Classic 14.76% Balance Transfer: Classic 14.76%Variable rate information Grace period for repayment of the balance for purchases You have 25 days to repay your balance for purchases before a finance charge will be imposed. Method of computing the balance for purchases Average Daily Balance (including new purchases) Annual fees $0.00Minimum finance charge $0.00Transaction fee for purchases$0.00 for domestic purchases; 1% of transaction amount for foreign transactions. ###### Transaction fee for cash advances: $1.00 minimum or 3% of advance amount, not to exceed $10. Balance Transfer Fee: $5.00 per transfer Additional cards: $5.00 each Replace lost or stolen cards: $10.00 each Late Payments: $20.00 each Payment check returned: $30.00 each Over the limit fee: $0.00 per month ###### As of July 27, 2020, to find out what information may have changed, review your First Choice Credit Union Credit Card Agreement when you receive your new card or contact First Choice Credit Union in writing with your request at, 1055 S. Congress Ave, West Palm Beach, FL 33406, by email or call [(561)641-0100](tel:5616410100). ###### Florida Acknowledgement Form Pursuant to Florida Statues 627.679 (1)(c) ###### I understand that the credit life coverage may be deferred if, at the time of application, I am unable to engage in employment or unable to perform normal activities of a person of like age and sex if the proposed credit life insurance policy contains this restriction. In addition, I understand that the optional credit protection benefits under the policy may terminate when I reach a certain age and acknowledge that my age is stated correctly on the application or policy. ###### I understand that I will receive a full copy of the First Choice Credit Union Credit Card Account Agreement and disclosures by mail with my new credit card. I understand that I can request a copy at any time by submitting a request in writing using the information above. MasterCard Gold DisclosureAnnual percentage rate (APR) for purchases 8.75% Other APRs Cash Advance APR: Gold 8.75% Balance Transfer: Gold 8.75%Variable rate information Grace period for repayment of the balance for purchases You have 25 days to repay your balance for purchases before a finance charge will be imposed. Method of computing the balance for purchases Average Daily Balance (including new purchases) Annual fees $0.00Minimum finance charge $0.00Transaction fee for purchases$0.00 for domestic purchases; 1% of transaction amount for foreign transactions. ###### Transaction fee for cash advances: $1.00 minimum or 3% of advance amount, not to exceed $10. Balance Transfer Fee: $5.00 per transfer Additional cards: $5.00 each Replace lost or stolen cards: $10.00 each Late Payments: $20.00 each Payment check returned: $30.00 each Over the limit fee: $0.00 per month ###### As of July 27, 2020, to find out what information may have changed, review your First Choice Credit Union Credit Card Agreement when you receive your new card or contact First Choice Credit Union in writing with your request at, 1055 S. Congress Ave, West Palm Beach, FL 33406, by email or call [(561)641-0100](tel:5616410100). ###### Florida Acknowledgement Form Pursuant to Florida Statues 627.679 (1)(c) ###### I understand that the credit life coverage may be deferred if, at the time of application, I am unable to engage in employment or unable to perform normal activities of a person of like age and sex if the proposed credit life insurance policy contains this restriction. In addition, I understand that the optional credit protection benefits under the policy may terminate when I reach a certain age and acknowledge that my age is stated correctly on the application or policy. ###### I understand that I will receive a full copy of the First Choice Credit Union Credit Card Account Agreement and disclosures by mail with my new credit card. I understand that I can request a copy at any time by submitting a request in writing using the information above. --- ### [Credit Builder](https://www.firstchoicecu.org/credit-builder/) **Published:** September 19, 2023 **Author:** Josh Marruffo **Content:** ## Credit Builder ## Rebuild. Restore. Save Along the Way. Are you looking for a painless way to improve your credit and accumulate savings while you’re at it? At First Choice Credit Union, we understand life happens and that bad things can happen to good people. Some financial setbacks are unavoidable. We have created the Credit Builder Loan to help members improve their credit in a painless and positive way. ![Couple on couch](https://www.firstchoicecu.org/wp-content/uploads/2023/09/Borrow_credit-builder.jpg "Borrow_credit builder") ## Here’s How It Works. You apply for the Credit Builder Loan, minimum loan amount being $1,000. Qualifying is easy. We approve a Certificate of Deposit (CD) secured loan (also known as the Credit Builder Loan). Simultaneously, the proceeds from the loan are placed in a CD in your name in the same amount as the loan. Each month you make the small monthly payment on the Credit Builder Loan. After one year, you have paid a loan in full, thereby creating a line of good credit. Even better, you now own the money in the CD. It’s a true win-win, First Choice style! --- ### [Disclosures](https://www.firstchoicecu.org/disclosures/) **Published:** October 27, 2025 **Author:** Ryan Jones **Content:** ## Disclosures ##### [**Membership Agreement**](https://www.firstchoicecu.org/wp-content/uploads/2026/07/Membership-Agreement-07-29-2026.pdf) ##### [**Schedule of Fees**](https://www.firstchoicecu.org/disclosures-and-fees/#fees) ##### [**USA Patriot Act**](https://www.firstchoicecu.org/disclosures/#patriot-act) ##### [Consumer Alert](https://www.firstchoicecu.org/disclosures/#consumer-alert) ##### [SMS Consent Form (Digital)](https://na2.docusign.net/Member/PowerFormSigning.aspx?PowerFormId=cb117070-999f-427a-bc4c-5aa42225b9b2&env=na2&acct=7890f91d-c1c1-4716-b73e-91c46a11e661&v=2) ##### [VISA Interest Rate and Fee Disclosures](https://www.firstchoicecu.org/wp-content/uploads/2025/10/VISA-Interest-Rate-and-Fee-Disclosures-3.pdf) ##### [VISA Disclosures](https://www.firstchoicecu.org/wp-content/uploads/2025/10/VISA-Disclosures-1.pdf) ##### [Reg E](https://www.firstchoicecu.org/disclosures/#regulation-e) ##### [SMS Terms of Service](https://www.firstchoicecu.org/smstermsofservice/) ##### [Privacy Policy](https://www.firstchoicecu.org/privacy-policy/) ##### [**Mobile Privacy Policy**](https://www.firstchoicecu.org/mobile-privacy-policy/) ##### [Reg GG – Prohibition on Unlawful Funding of Internet Gambling](https://www.firstchoicecu.org/disclosures/#reg-gg) ##### [SMS Consent Form (Paper)](https://www.firstchoicecu.org/wp-content/uploads/2026/08/SMS_Consent_Form_Aug13.pdf) ### **Notice—USA Patriot Act** The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001, commonly referred to as the USA Patriot Act, is a direct response to September 11, 2001. The Department of Treasury issued new regulations setting forth minimum standards for financial institutions that relate to the identification and verification of any person who applies to open an account. This law is intended to facilitate the prevention, detection, and prosecution of international money laundering and financing of terrorism. Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation. ### **Consumer Alert** First Choice Credit Union always has your financial interest in mind, and part of that is financial security and privacy. First Choice Credit Union will NEVER send you any communications with a link to a web page or login screen, or any request for personal information such as account numbers, PINs, or other passwords. If you receive a questionable email requesting personal First Choice CU information or an email that appears to be from FCCU that includes a link to any website, please contact First Choice Credit Union at (561) 641-0100 and select option 2 for our contact center. The toll-free number is (800) 449- 3328. Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation. ### **Reg GG Notification— Prohibition on Unlawful Funding of Internet Gambling** The Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA / Reg GG) prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or state law in the State in which the bet or wager is initiated, received or otherwise made.” As a customer of First Choice Credit Union, Inc., these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation. ### **Notice: Federal Reserve Bank’s Regulation E** Under the Federal Reserve Bank’s Regulation E, members of First Choice Credit Union are required to personally notify First Choice Credit Union (or opt in) if you want the Credit Union to automatically pay overdrafts on your ATM or debit card transactions through our Courtesy Pay program. First Choice Credit Union will not automatically allow overdrafts to occur on ATM or debit card transactions on existing accounts unless you give us permission to do so. As a result, you may experience more frequent denials when using your card. To avoid any interruption in your card use, please visit any First Choice Credit Union branch to enroll in our Courtesy Pay program. Please note that this regulation only applies to those transfers done by ATM/debit cards. Overdrafts occurring with Share Drafts and ACH transactions may still be automatically allowed by First Choice Credit Union for a fee. The Federal Reserve Bank’s Regulation E is a directive of the federal government and applies to all financial institutions. As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or state law in the State in which the bet or wager is initiated, received or otherwise made.” As a customer of First Choice Credit Union, Inc., these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. Effective October 1, 2003, all credit unions and other financial institutions must be in compliance with the regulations of the Patriot Act. Therefore, First Choice Credit Union adopted new procedures for opening new accounts. To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. First Choice Credit Union will now ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your cooperation and understanding in this effort to protect our nation. --- ### [SMS Terms of Service](https://www.firstchoicecu.org/smstermsofservice/) **Published:** August 13, 2026 **Author:** Ryan Jones **Content:** # SMS Terms of Service Last Updated: (8/13/2026) #### 1. Purpose The purpose of these SMS Messaging Terms & Conditions (“Terms”) is to establish the terms governing SMS (text messaging) communications between First Choice Credit Union (“FCCU,” “we,” “our,” or “us”) and our members. These Terms describe how SMS messages are delivered, the types of messages you may receive, your rights and responsibilities, and FCCU’s obligations. #### 2. Relationship to the Universal Account Agreement These Terms are incorporated into and supplement the First Choice Credit Union Universal Account Agreement. By enrolling in or using FCCU’s SMS messaging services, you acknowledge that you have read, understand, and agree to these Terms and the Universal Account Agreement. Nothing contained in these Terms limits or replaces the rights, obligations, disclosures, authorizations, or consents contained in the Universal Account Agreement, including provisions relating to electronic communications and the Telephone Consumer Protection Act (TCPA). If a conflict exists, the Universal Account Agreement shall govern unless otherwise required by applicable law. #### 3. SMS Messaging Types If you have consented to receive text messages from First Choice Credit Union, you may receive messages related to the following: - Account notifications - Fraud and security alerts - One-time multi-factor authentication (MFA) passcodes - Debit and credit card activity verification alerts - Online Banking, Mobile Banking, and Zelle® activity alerts - Loan application updates - Loan servicing updates - Payment reminders - Appointment reminders - Service announcements - Marketing or promotional messages #### 4. Consent to Receive SMS Messages By providing your mobile telephone number and consenting to receive SMS messages through any approved First Choice Credit Union (FCCU) consent methods listed below, you agree to receive automated and non-automated SMS (text) messages from First Choice Credit Union. Your consent is voluntary and is not required as a condition of obtaining membership, products, or services. #### 5. Consent Methods You may opt in to receive SMS messages from First Choice Credit Union by any of the following approved methods: - Signing a First Choice Credit Union SMS Consent Form. • Responding with “YES/Y” to an SMS enrollment message after initiating a text conversation with First Choice Credit Union. • Texting “START” to 561-641-0100 #### 6. Opt-Out You may opt out at any time by simply replying STOP to any FCCU text message. After opting out, you may receive one final confirmation message. Alternatively, you can contact us directly to request removal from our messaging list. Please note opting out may prevent you from receiving important fraud alerts, security notifications, MFA codes, appointment reminders, payment reminders, and other important account-related communications. #### 7. HELP Reply HELP to any FCCU SMS message for assistance or contact First Choice Credit Union at (561) 641-0100 or by email at #### 8. Message Frequency and Charges Message frequency varies based on your account activity and services. Domestic or international data rates may apply according to your wireless carrier’s plan. Wireless carriers are not responsible for delayed or undelivered messages. #### 9. Security SMS messages are not encrypted. Do not send account numbers, Social Security numbers, passwords, PINs, debit or credit card numbers, or other confidential information by text message. #### 10. Privacy First Choice Credit Union does not sell or share your mobile telephone number or SMS consent information with third parties or affiliates for their own marketing purposes. Please refer to the FCCU Privacy Policy for additional information. #### 11. Member Responsibilities You agree to maintain a current mobile telephone number with FCCU, promptly notify us of changes, protect your mobile device, and review these Terms periodically for updates. #### 12. Service Availability SMS delivery depends on your wireless carrier and network availability. FCCU is not responsible for delays or failures caused by carrier limitations, network outages, or circumstances beyond its reasonable control. #### 13. Changes to these Terms FCCU may amend these Terms at any time. Updated Terms will be posted on the FCCU website and become effective upon posting unless otherwise required by law. #### 14. Governing Law These Terms are governed by the laws of the State of Florida and applicable federal law. #### 15. Contact Information First Choice Credit Union 1055 South Congress Avenue West Palm Beach, FL 33406 Phone: (561) 641-0100 Email: Website: [www.firstchoicecu.org](http://www.firstchoicecu.org) #### 16. Member Acknowledgment By enrolling in FCCU’s SMS messaging program, you acknowledge that you have read and agree to these SMS Messaging Terms & Conditions, understand that they are incorporated into the First Choice Credit Union Universal Account Agreement, consent to receive SMS communications, understand that message frequency may vary and message and data rates may apply, and may revoke your consent at any time by replying STOP. --- ### [Non-Primary Residence Loan](https://www.firstchoicecu.org/non-primary-residence-loan/) **Published:** February 23, 2026 **Author:** Ryan Jones **Content:** ## Non-Primary Residence Loan ## You Don’t Have to Live There to Get a Great Loan! Looking to refinance a second home or investment property? Our **Non-Primary Residence (NPR) Loan** offers competitive rates with the same rate transparency you expect from FCCU! [Check Rates](https://www.firstchoicecu.org/rates/#home-equity-rates) FCCU offers a mortgage loan on eligible Non-Primary Residences located in the State of Florida, including vacation homes, second homes, and rental properties. Our Non-Primary Residence Loan makes financing simple and affordable, helping you turn your property into a smart financial move! ### Eligibility Details - **Eligible Properties:** Single-family homes, townhouses, and condominiums located in Florida. - **Borrower Restriction:** Business Entities are not eligible for this loan. - **HELOC Restriction:** FCCU does not offer HELOCs or No-Insurance loans on Non-Primary Residences. ![](https://www.firstchoicecu.org/wp-content/uploads/2026/02/non-primary-residence-loan-1-1300-x-1500-px.png "non primary residence loan 1 (1300 x 1500 px)") ### Loan Terms and Conditions - Maximum loan amount per member: **$200,000.** - Maximum Loan to Value (LTV): **60% Actual LTV dependent on credit score and type of property.** - Maximum number of NPR loans per member: **1.** - Maximum term: **15 years.** - Interest rate premium: **0.50% above regular Home Equity rates for comparable terms.** [Apply Now](https://app.consumer.meridianlink.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD_xWDKJw829BDIdzQvSSkFswaPhTXAjmBdHC1uCAJZZQN6Fg46IqL_2nhNjfYIS_zTwEtQo1TQO4UVsgr2k53bf92A61SA9A-yj86no9WWk1nu8jx6e5-UtNBEKtdYVSmA) --- ### [Card Hub](https://www.firstchoicecu.org/card-hub/) **Published:** February 11, 2026 **Author:** Ryan Jones **Content:** ## CardHub ## Simple Control In the Palm of Your Hands! At FCCU, we believe in the transparency and choice our members can have over their finances. That’s why we’re expanding the FCCU mobile app to include **Card Hub**! Card Hub is a digital, all-in-one platform that allows users to manage credit and debit cards, including locking cards, setting and changing your PIN, setting transaction controls, monitoring spending, and adding cards to digital wallets. It provides real-time fraud alerts and instant card issuance, so you’ll never need to worry about scammers getting to you before you can respond! ### **How to Get Started:** To access Card Hub, you will first need to download the First Choice Credit Union mobile app or login online. To download the app, visit the [App Store](https://apps.apple.com/us/app/first-choice-credit-union/id1051774653) or [Google Play Store](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid3646&hl=en_US&gl=US) and search “First Choice Credit Union”. Once you’ve logged into mobile banking, click the Card Hub tab at the bottom on mobile, or the Card Hub tab at the top menu bar on Online Banking! ![](https://www.firstchoicecu.org/wp-content/uploads/2026/02/card-hub1.png "card hub1") ## **Key Features and Benefits of Card Hub:** - **Card Control & Security:** Users can instantly turn cards on/off, set transaction limits (amount, merchant type, location), and report lost or stolen cards. - **Real-time Visibility:** Provides detailed, real-time transaction monitoring, including merchant names and locations. - **Digital Wallet Integration:** Enables users to easily add cards to mobile wallets like Apple Pay or Google Pay - **Expense Tracking:** Helps users analyze spending habits, manage recurring payments, and view detailed, categorized transaction history. - **Instant Issuance and Activation:** Allows for immediate, digital issuance of new or replacement cards, enabling instant use. This also allows users to activate new cards instantly for immediate use. --- ## FAQs ### [Are dealership discounts available?](https://www.firstchoicecu.org/faq-items/are-dealership-discounts-available/) **Published:** March 3, 2022 **Author:** admin **Content:** Curabitur lectus lacus, eleifend eu maximus malesuada sed ante. Vestibulum facilisis eget mauris ultrices blandit. --- ### [Do you offer an express delivery service?](https://www.firstchoicecu.org/faq-items/do-you-offer-an-express-delivery-service/) **Published:** March 3, 2022 **Author:** admin **Content:** Ut sed turpis molestie, fringilla erat porttitor risus. Mauris molestie dolor quis fringilla suscipit. --- ### [What kind of financing services do you offer?](https://www.firstchoicecu.org/faq-items/what-kind-of-financing-services-do-you-offer/) **Published:** March 3, 2022 **Author:** admin **Content:** Vestibulum ac convallis eros, sit amet suscipit ante. Nulla eleifend nulla suscipit placerat feugiat. --- ### [Why should I choose your dealership?](https://www.firstchoicecu.org/faq-items/why-should-i-choose-your-dealership/) **Published:** March 3, 2022 **Author:** admin **Content:** Donec ut tempus mi. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis. ---