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First Choice Credit Union (IL)

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

First Choice Credit Union (IL) is headquartered in Ottawa and is the 134th largest credit union in the state of Illinois. It is also the 3,839th largest credit union in the nation. It was established in 1953 and as of March of 2019, it had grown to 4 employees and 1,588 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-0.5%
Return on Equity - YTD-4.85%
Annual Interest Income$86.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$12.4MM$12.8MM
LoansQ1 2019vs Q1 2018$5.1MM$3.6MM
DepositsQ1 2019vs Q1 2018$11.1MM$11.5MM
Equity CapitalQ1 2019vs Q1 2018$1.2MM$1.3MM
Loan Loss AllowanceQ1 2019vs Q1 2018$55.00K$36.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.00K$3.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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First Choice Credit Union (IL) Savings Account Rates

0.10%$50-Share Account
0.10%--Christmas Club Account
0.10%--Youth Savers
0.10%--Vacation Club Account

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

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