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First Choice Credit Union (IL)

Popular Accounts at this Credit Union

0.70%5-year CD60 Month Share Certificates
0.15%1-year CD12 Month Share Certificates
0.10%SavingsShare Account

Overview / Commentary
311 E Joliet St
Ottawa, IL 61350-2211

First Choice Credit Union (IL) is headquartered in Ottawa and is the 139th largest credit union in the state of Illinois. It is also the 3,967th largest credit union in the nation. It was established in 1953 and as of September of 2017, it had grown to 6 employees and 1,758 members at 2 locations. First Choice Credit Union (IL) has a B+ health rating.

Field of Membership Restrictions

Membership in First Choice Credit Union is open to anyone who resides or holds employment in these Illinois Towns, Manilius, Rutland, Ottawa, South Ottawa, Utica, LaSalle, and Peru, as well as their direct family members.
See current membership details


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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. First Choice Credit Union (IL) has a low asset base.

Health Grade Components

NCUA #61471
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.87%
Return on Equity - YTD-7.75%
Annual Interest Income$199.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$12.2MM$11.9MM
LoansQ3 2017vs Q3 2016$3.5MM$3.6MM
DepositsQ3 2017vs Q3 2016$10.7MM$10.3MM
Equity CapitalQ3 2017vs Q3 2016$1.4MM$1.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$32.00K$40.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.00K$121.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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First Choice Credit Union (IL) Savings Account Rates

0.10%--Share Account
0.10%--Club Account
0.10%--Youth Savers

First Choice Credit Union (IL) CD Rates

0.70%$1k-60 Month Share Certificates
0.45%$1k-36 Month Share Certificates
0.40%$1k-24 Month Share Certificates
0.30%$1k-18 Month Share Certificates
0.18%$1k-6 Month Share Certificates
0.15%$1k-12 Month Share Certificates
0.14%$1k-91 Day Share Certificates

First Choice Credit Union (IL) Locations
Branch Office311 E Joliet StOttawa, IL 61350-2211
Branch Office302 N Park StStreator, IL 61364-2229