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# First Choice Credit Union

Everyday low rates and exceptional service to our members!

## Sitemaps

- [XML Sitemap](https://www.firstchoicecu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Homepage](https://www.firstchoicecu.org/) - Welcome to First Choice Credit Union - your first choice in lending and banking! Explore our everyday low rates or open an account with us and become a member!
- [Rates](https://www.firstchoicecu.org/rates/) - Current First Choice Credit Union rates for vehicle loans, home equity, and deposit accounts, plus a calculator to estimate your monthly loan payment.
- [Privacy Policy](https://www.firstchoicecu.org/privacy-policy/) - 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
- [Test home](https://www.firstchoicecu.org/test-home/) - Login Sign up | Forget Password
- [FAQs](https://www.firstchoicecu.org/faqs/) - FAQs You have questions, we have answers. We have noted the most common member questions we receive. Still looking for more info? Contact UsClick any link to jump to a particular section. Membership Accounts Online, Mobile, and Telephone Banking Identity Theft Privacy Policy Membership What is the difference between a bank and a credit union?A
- [Youth Checking](https://www.firstchoicecu.org/youth-checking/) - 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
- [Useful Links](https://www.firstchoicecu.org/useful-links/) - 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. Florida State Department of Highway Safety and Motor Vehicles If you’ve recently paid off your auto loan and would like to get a copy of your
- [Auto Loans](https://www.firstchoicecu.org/auto-loans/) - 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
- [Auto Loan Calculator](https://www.firstchoicecu.org/auto-loan-calculator/) - 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/) - 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 DebitHow It Works You buy
- [High-Yield Savings](https://www.firstchoicecu.org/high-yield-savings/) - 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:
- [VISA](https://www.firstchoicecu.org/visa/) - 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
- [No Insurance Home Equity Loan](https://www.firstchoicecu.org/no-insurance-home-equity/) - 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
- [Home Equity Line of Credit](https://www.firstchoicecu.org/home-equity-line-of-credit/) - 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 RatesThe FCCU HELOC offers a draw period of five years, during which time you
- [Home Equity Loan](https://www.firstchoicecu.org/home-equity-loan/) - 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 RatesTerms: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
- [Debit Card](https://www.firstchoicecu.org/debit-card/) - Debit Card Lost Card Notification: Visa Check Card (800) 472-3272 Re-PIN or select a new PINfor 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,
- [Money Market Accounts](https://www.firstchoicecu.org/money-market-accounts/) - 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:Earn more for your money with our Money Market account. It’s a smart investment
- [Disclosures and Fees](https://www.firstchoicecu.org/disclosures-and-fees/) - Disclosures Membership Agreement View Our Membership AgreementSchedule of Fees Edit Share (Savings) Open New Share Account$1.00 Phone Transfers$3.00/ea. (Free Online) Mailed Checks (share withdrawals) $2.00/ea. Close share account within 90 days$25.00 Close accounts to remove joint owner$25.00 Interim of full statement photocopies$1.00 per page Writs of Garnishment$50.00/ea. Reopen account within 6 months$15.00 Reopen multiple sub
- [Round-Up Savings](https://www.firstchoicecu.org/roundup-savings/) - 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
- [Welcome](https://www.firstchoicecu.org/welcome/) - Welcome to First Choice Credit Union! Getting Started with your New Membership! Membership Agreement Schedule of Fees Deposit Rates Switch Kit Direct Deposit Form Text Message Keyword Menu Visa Debit Card: Opt-In or Opt-Out Useful Links Privacy Notice Getting Started: Review the above disclosures anytime Enroll in online Banking by using the “New User Registration”
- [Member Testimonials](https://www.firstchoicecu.org/member-testimonials/) - 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,
- [Contact FCCU](https://www.firstchoicecu.org/contact-fccu/) - 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.)
- [Resources](https://www.firstchoicecu.org/resources/) - 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. Credit Score & More FCCU has teamed up with SavvyMoney to bring you the Credit Score and More program! It
- [Savings](https://www.firstchoicecu.org/savings/) - 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,
- [Borrow](https://www.firstchoicecu.org/borrow/) - 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
- [Checking](https://www.firstchoicecu.org/checking/) - 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. It’s easy to make the switch to an FCCU checking account quickly. FCCU’s Simple
- [Value Checking](https://www.firstchoicecu.org/value-checking/) - 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
- [Value Plus Checking](https://www.firstchoicecu.org/value-plus-checking/) - 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
- [Fresh Start Checking](https://www.firstchoicecu.org/fresh-start-checking/) - 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
- [Member Support Tools](https://www.firstchoicecu.org/member-support-tools/) - 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
- [CDs](https://www.firstchoicecu.org/cds/) - 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
- [CD/Share Secured](https://www.firstchoicecu.org/cd-share-secured/) - 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 Edit
- [A Financial Cooperative](https://www.firstchoicecu.org/a-financial-cooperative/) - 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
- [Holidays](https://www.firstchoicecu.org/holidays/) - 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
- [Mobile Privacy Policy](https://www.firstchoicecu.org/mobile-privacy-policy/) - 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
- [Early Pay](https://www.firstchoicecu.org/early-pay/) - 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
- [Credit Score & More](https://www.firstchoicecu.org/credit-score-and-more/) - 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
- [Sitemap](https://www.firstchoicecu.org/sitemap/) - First Choice Sitemap Toggle NavigationMobile Privacy PolicyPrivacy PolicyUniversal Acccount Membership AgreementDisclosures and Fees
- [Credit Cards](https://www.firstchoicecu.org/mastercard/) - 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
- [Locations](https://www.firstchoicecu.org/locations/) - Locations 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 CooperativeWest Palm Beach – Main Office View on Google Map1055 S.
- [Young Adult Car Loans](https://www.firstchoicecu.org/young-adult-car-loans/) - 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
- [HE/HELOC](https://www.firstchoicecu.org/he-heloc/) - 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
- [Courtesy Pay and Overdraft Protection](https://www.firstchoicecu.org/courtesy-pay-and-overdraft-protection/) - 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
- [Scholarship](https://www.firstchoicecu.org/scholarship/) - 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
- [On The Go](https://www.firstchoicecu.org/on-the-go/) - On The Go Your Finances Move at the Speed of Life. Get the banking access tools that move with you! Banking Done Your Way. Get access to your account anytime, anywhere. Meeting with an FCCU expert is as easy as selecting the location, convenient time slot, and preferred day and adding your contact details.
- [Holiday Club](https://www.firstchoicecu.org/holiday-club/) - 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, through Home Banking, or the convenience
- [Annual Reports](https://www.firstchoicecu.org/annual-reports/) - 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 2022 Annual Report 2021 Annual Report 2020 Annual Report
- [Debit Card Rewards](https://www.firstchoicecu.org/debit-card-rewards/) - 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
- [Rates ( Cloned )](https://www.firstchoicecu.org/rates-cloned/) - Rates See Our Home Equity RatesSee Our Deposit RatesTry Our Loan Calculator Edit Vehicle Loans New Auto CREDIT SCOREAPR1 36 Months48 Months60 Months72 Months84 Months 720+4.49%4.74%4.99%5.49%6.24% 680-7194.99%5.24%5.49%5.99%6.74% 640-6795.49%5.74%5.99%6.49%7.24% 600-6396.99%7.24%7.49%7.99%N/A Less than 6008.49%8.74%8.99%N/AN/A Auto Loan Rate DiscountsCooperative Discount Edit Vehicle Loans Used Auto CREDIT SCOREAPR1 36 Months48 Months60 Months72 Months84 Months 720+4.74%4.99%5.24%5.74%6.49% 680-7195.24%5.49%5.74%6.24%6.99% 640-6795.74%5.99%6.24%6.74%7.49% 600-6397.24%7.49%7.74%8.24%N/A Less
- [Bank & Save](https://www.firstchoicecu.org/bank-save/) - 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
- [State Licensed Professionals](https://www.firstchoicecu.org/state-licensed-professionals/) - 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
- [Payment](https://www.firstchoicecu.org/payment/) - 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.
- [IRAs](https://www.firstchoicecu.org/iras/) - 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
- [Specials](https://www.firstchoicecu.org/specials/) - 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
- [Recreational Loans](https://www.firstchoicecu.org/recreational-loans/) - 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
- [Unsubscribe Email Landing Page](https://www.firstchoicecu.org/unsubscribe/) - You’ve Been Unsubscribed! We’re sorry to lose you, but we understand. Your email has been removed from our list. Go HomeHelp us get better. Please, let us know why you unsubscribed. Your Messagesend messageThank 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/) - 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
- [About FCCU](https://www.firstchoicecu.org/about-fccu/) - 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
- [Video Banking](https://www.firstchoicecu.org/videobanking/) - 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
- [Mobile Banking](https://www.firstchoicecu.org/mobile-banking/) - 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. Mobile Deposit Enjoy Deposits Made On The Move For Your Busy Lifestyle!
- [Texting Services](https://www.firstchoicecu.org/texting-services/) - Texting Services Texting Services FCCU is just a click away. Members can conveniently communicate with FCCU during normal business hours via text. 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
- [Mortgage](https://www.firstchoicecu.org/mortgage/) - 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
- [Check Reorder](https://www.firstchoicecu.org/check-reorder/) - Check Reorder Check Reorder Easy access to reorder checks for your FCCU checking account. Reorder Checks
- [Money Market, CD & IRA](https://www.firstchoicecu.org/money-market-cd-ira/) - 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
- [Identity Theft](https://www.firstchoicecu.org/identity-theft/) - 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
- [Career Opportunities](https://www.firstchoicecu.org/career-opportunities/) - 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,
- [Checking Switch Kit](https://www.firstchoicecu.org/checking-switch-kit/) - 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 KitYou will be enjoying your new First Choice Credit Union member benefits immediately while
- [Car Title For Cash](https://www.firstchoicecu.org/car-title-for-cash/) - 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
- [Am I Eligible](https://www.firstchoicecu.org/am-i-eligible/) - 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,
- [Auto Buying Service](https://www.firstchoicecu.org/auto-buying-service/) - 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
- [Auto Insurance](https://www.firstchoicecu.org/auto-insurance/) - 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 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
- [Universal Acccount Membership Agreement](https://www.firstchoicecu.org/universal-acccount-membership-agreement/) - 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
- [Switch Kit](https://www.firstchoicecu.org/switch-kit/) - 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
- [Stay Connected](https://www.firstchoicecu.org/stay-connected/) - Stay Connected Fill out the form below to subscribe to our email notices
- [Starfish Savings Club](https://www.firstchoicecu.org/starfish-savings-club/) - 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.
- [Special Purpose Savings](https://www.firstchoicecu.org/special-purpose-savings/) - 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
- [Share Savings](https://www.firstchoicecu.org/share-savings/) - 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
- [Share Insurance Estimator](https://www.firstchoicecu.org/share-insurance-estimator/) - 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
- [Safe Deposit Boxes](https://www.firstchoicecu.org/safe-deposit-boxes/) - 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 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
- [Product Comparison](https://www.firstchoicecu.org/product-comparison/) - Product Comparison Product Comparison Find the right home equity account for your financial needs: a loan or line of credit. Apply NowAdvantages 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
- [Mobile Wallet](https://www.firstchoicecu.org/mobile-wallet/) - 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
- [Mobile Deposit](https://www.firstchoicecu.org/mobile-deposit/) - 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
- [Loan Protection Products](https://www.firstchoicecu.org/loan-protection-products/) - 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
- [Lease Buyout Refinance](https://www.firstchoicecu.org/lease-buyout-refinance/) - 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
- [Join FCCU](https://www.firstchoicecu.org/join-fccu/) - 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.
- [I Want To](https://www.firstchoicecu.org/i-want-to/) - 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 Manage My Money Managing your finances and resources can
- [Home Banking](https://www.firstchoicecu.org/home-banking/) - 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 NowWith this convenient, free service members can: View and print balances and account histories. View the front
- [Financial Education](https://www.firstchoicecu.org/financial-education/) - 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
- [eZCard](https://www.firstchoicecu.org/ezcard/) - eZCard Manage Your First Choice Credit Union MasterCard Online! It’s free and easy to use. Simply visit eZcardinfo 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
- [External Transfers](https://www.firstchoicecu.org/external-transfers/) - 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
- [eStatements](https://www.firstchoicecu.org/estatements/) - 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
- [Credit Card Disclosures](https://www.firstchoicecu.org/credit-card-disclosures/) - Credit Card Disclosure MasterCard ClassicMasterCard Gold MasterCard Classic Disclosure Annual 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
- [Credit Builder](https://www.firstchoicecu.org/credit-builder/) - 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
- [Disclosures](https://www.firstchoicecu.org/disclosures/) - Disclosures Membership Agreement Schedule of Fees USA Patriot Act Consumer Alert VISA Interest Rate and Fee Disclosures VISA Disclosures Reg E Privacy Policy Mobile Privacy Policy Reg GG – Prohibition on Unlawful Funding of Internet Gambling Notice—USA Patriot Act The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act
- [Non-Primary Residence Loan](https://www.firstchoicecu.org/non-primary-residence-loan/) - Looking to refinance or get the cash out of a second home or investment property? Our Non-Primary Residence Loan offers competitive rates with the same rate transparency you can expect from First Choice!
- [Card Hub](https://www.firstchoicecu.org/card-hub/) - 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

## FAQs

- [Are dealership discounts available?](https://www.firstchoicecu.org/faq-items/are-dealership-discounts-available/) - 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/) - 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/) - 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/) - Donec ut tempus mi. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis.