1st Choice CU (GA) Reviews and Rates

1st Choice CU (GA)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.1stchoicecu.org

404-832-5800

315 Auburn Ave NE
Atlanta, GA 30303

1st Choice CU (GA) is headquartered in Atlanta and is the 41^st largest credit union in the state of Georgia. It is also the 2,832^nd largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 7 employees and 8,599 members at 2 locations. 1st Choice CU (GA)'s CD rates are 4X the national average, but it has a F health rating.

Field of Membership Restrictions

1st Choice Credit Union is open to employees of Aid Atlanta, Inc., Archive America, Atlanta Life Insurance Company, Emory School of Medicine, Atlanta Business League, Foreverfamily, Inc., Jackson Securities, Grady Health Systems, Kidz 4 Money, Morehouse School of Medicine, Kimberly & Cameron Interior, Sattiewhite Training Productions Inc., The Atlanta Metropolitan Bank Chamber of Commerce, The Algenius Group, LLC., The Concern Black Clergy, The Historical District Development Corporation, The Getting Ahead Association, The Joseph Consortium, This Is It Restaurant.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Choice CU (GA) has a low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #	67505
Year Chartered	1991
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	-10.34%
Return on Equity - YTD	0%
Annual Interest Income	$419K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$32.5MM$38.7MM
Loans	Q1 2025vs Q1 2024	$20.4MM$26.6MM
Deposits	Q1 2025vs Q1 2024	$32.4MM$35.7MM
Equity Capital	Q1 2025vs Q1 2024	($126,000)$2.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$232K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.2MM$2.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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1st Choice CU (GA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$350	-	Holiday Club
0.15%	$350	-	Vacation Club
0.15%	$350	-	Share Savings

1st Choice CU (GA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1k	-	Money Market

1st Choice CU (GA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.01%	$500	-	12 Month CD
3.55%	$500	-	6 Month CD
3.55%	$500	-	24 Month CD
3.29%	$500	-	36 Month CD
3.03%	$500	-	3 Month CD

1st Choice CU (GA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$350	-	Regular IRA Passbook

Locations

1st Choice CU (GA) Locations
Branch Office	315 Auburn Ave NE	Atlanta, GA 30303-2603
Branch Office	80 Jesse Hill JR DR SE	Atlanta, GA 30303-3031

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