Choice One Community Federal Credit Union

Overview / Commentary
501 E Main St
Plains Township, PA 18702

Choice One Community Federal Credit Union is headquartered in Plains Township and is the 67th largest credit union in the state of Pennsylvania. It is also the 1,668th largest credit union in the nation. It was established in 1941 and as of December of 2019, it had grown to 27 employees and 12,711 members at 3 locations. Choice One Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

Choice One Community Credit Union is open to anyone who lives, works, worships, goes to schoo, or owns a business in Lackawanna, Luzerne, or Wyoming counties in Pennsylvania. Immediate family are also eligible.
See current membership details

Reviews (2)

Reliable Credit Union

Posted by: |

I have been a member at Choice One FCU since I was 18. Overall customer service is great, they are willing to help with any issues you may have. They are reliable and make few mistakes. They service my area with three different locations so they are convenient as well.

Their mobile banking applications seems to be a little behind the curve. They do not offer automatic checking cashing services like many larger institutions. Overall there mobile applications are functionable though.

Their fee's are reasonable but not market leading. Their wire transfers are expensive.

Overall, they kept my business for years. They are a great institution for the basic banking services such as checking and savings account.

They are not extraordinary but they certainly serve their purpose.

Hazleton Pennsylvanias Choice One Credit Union Location

Up until recently I have always done my banking at a traditional bank. I wasn't quite sure what exactly a credit union was, or how it would benefit me in the long run. A very good friend of mine had recently started using this branch after marrying her husband who was actively serving in the United States Army. One day while out for lunch with her, she told me that she needed to cash a check at the bank and asked if I would mind going along on the ride with her after we had eaten. I was already in the car, so I agreed and we were on our way. Once I realized that she too in fact had been using the credit union for her own personal banking, I asked for her genuine opinion on the establishment and whether or not she thought it would be worth my while as well. After hearing her thoughts and learning a little bit more about the way the credit union worked, I decided to open an account that very day and give it a shot myself, and I honestly do not know why I waited so long it the first place! Take my advice, if you want easier and more efficient banking, give this place a chance. Go in and ask for some information about the way their accounts work and I can almost guarantee you will be pleased! Oh and ask for a woman named Kim, she was wonderful!!

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. Choice One Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #4240
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD3.65%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$96.3MM$93.4MM
LoansQ4 2019vs Q4 2018$72.0MM$78.0MM
DepositsQ4 2019vs Q4 2018$87.8MM$85.4MM
Equity CapitalQ4 2019vs Q4 2018$8.2MM$7.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$248.00K$297.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$860.00K$1.3MM
Real Estate OwnedQ4 2019vs Q4 2018$107.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Choice One Community Federal Credit Union Savings Account Rates

0.25%--IRA Account
0.05%$100-Share Savings Account
0.05%--Christmas Club Account
0.05%--Vacation Club Account
0.05%--All Purpose Accounts

Choice One Community Federal Credit Union Money Market Rates

0.20%*$100k*-Money Market Accounts
OTHER TIERS: 0.10% $2k - $50k | 0.15% $50k - $100k

Choice One Community Federal Credit Union CD Rates

1.00%$500-60-Month Share Certificate
0.85%$500-48-Month Share Certificate
0.75%$500-36-Month Share Certificate
0.65%$500-24-Month Share Certificate
0.55%$500-12-Month Share Certificate
0.45%$500-6-Month Share Certificate

Choice One Community Federal Credit Union Locations
Branch Office983 N Sherman CtHazleton, PA 18201-1879
Branch Office101 Hazle StWilkes Barre, PA 18702-4305
Branch Office501 E Main StPlains Township, PA 18702

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