1st Choice CU (GA)

Overview / Commentary
315 Auburn Ave NE
Atlanta, GA 30303

1st Choice CU (GA) is headquartered in Atlanta and is the 45th largest credit union in the state of Georgia. It is also the 2,785th largest credit union in the nation. It was established in 1991 and as of September of 2022, it had grown to 11 employees and 7,221 members at 1 location. 1st Choice CU (GA)'s CD rates are 3X the national average, but it has a C- 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 (2)

2.5 % For 12 Month Cd

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2.5 % for 12 month cd , the rate will expire on April 5 2011. Local Only.

You need to be GA resident to purchase this rate. The CD must be opened at the branch.

See website for details.


Must Call For Employee To Open Online Account With Non-Changeable Password

In order to register for online banking, you MUST call and have an employee setup your account and password, and the password cannot be changed. Sorry but I do change passwords immediately after an employee sets up an account for me and then periodically after that. I've NEVER heard of this from a financial institution, they usually encourage you to change your password. This was quite backwards and foreign to me, I closed my account and went with another local CU.

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.

Health Grade Components

NCUA #67505
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD2.26%
Return on Equity - YTD24.2%
Annual Interest Income$799.00K
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$38.1MM$36.8MM
LoansQ3 2022vs Q3 2021$18.3MM$19.2MM
DepositsQ3 2022vs Q3 2021$33.9MM$31.9MM
Equity CapitalQ3 2022vs Q3 2021$3.5MM$2.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$0$263.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.7MM$237.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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1st Choice CU (GA) Savings Account Rates

0.35%$1k-Vacation Club
0.35%$350-Regular IRA Passbook
0.30%$350-Holiday Club
0.15%$350-Share Savings

1st Choice CU (GA) Money Market Rates

0.25%$1k-Money Market

1st Choice CU (GA) CD Rates

3.00%$500-6 Month CD
3.00%$500-12 Month CD
0.79%$1k-36 Month CD
0.60%$1k-24 Month CD

1st Choice CU (GA) Locations
Branch Office315 Auburn Ave NEAtlanta, GA 30303-2603

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