Overview / Commentary
518-725-3191
355 Hales Mills Rd
Gloversville, NY 12078-5703

First Choice Financial Federal Credit Union is headquartered in Gloversville and is the 73rd largest credit union in the state of New York. It is also the 1,567th largest credit union in the nation. It was established in 1972 and as of September of 2018, it had grown to 24 employees and 12,814 members at 3 locations. First Choice Financial Federal Credit Union's CD rates are 23% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membeship is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Fulton County, New York; Montgomery County, New York; or the Towns of Arietta, Benson, Hope, Wells, Lake Pleasant, Speculator or Indian Lake in Hamilton County, New York.
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Health

Health Grade Components

Overall
NCUA #21012
Year Chartered1972
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD6.34%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$105.3MM$100.8MM
LoansQ3 2018vs Q3 2017$53.5MM$49.6MM
DepositsQ3 2018vs Q3 2017$92.6MM$88.3MM
Equity CapitalQ3 2018vs Q3 2017$12.4MM$12.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$414.00K$296.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$749.00K$596.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Choice Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5-Regular Savings
0.05%$5-Special Savings
0.05%$5-Christmas Club
0.05%$5-IRA Share Account

First Choice Financial Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Money Market
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $25k

First Choice Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-5 Year Share Certificate
1.92%$500-4 Year Share Certificate
1.71%$500-3 Year Share Certificate
1.41%$500-2 Year Share Certificate
1.11%$500-1 Year Share Certificate
0.60%$500-6 Month Share Certificate

First Choice Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-5 Year IRA Certificate
1.92%$500-4 Year IRA Certificate
1.71%$500-3 Year IRA Certificate
1.41%$500-2 Year IRA Certificate
1.11%$500-1 Year IRA Certificate
Locations


First Choice Financial Federal Credit Union Locations
Branch Office355 Hales Mills Rd ExtGloversville, NY 12078-5703
Branch Office329 S Kingsboro AveGloversville, NY 12078
Branch Office3677 State Highway 30Broadalbin, NY 12025-2601

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