Your Choice Federal Credit Union


Overview / Commentary
814-946-1293
109 Keystone St
Altoona, PA 16602

Your Choice Federal Credit Union is headquartered in Altoona and is the 213th largest credit union in the state of Pennsylvania. It is also the 3,697th largest credit union in the nation. It was established in 1957 and as of March of 2022, it had grown to 4 employees and 1,546 members at 2 locations. Your Choice Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Your Choice Federal Credit Union is open to: (1) businesses or legal entities and anyone who lives, works, worships, goes to school in most of the Altoona area; (2) employees of the City of Altoona, Altoona Housing Authority, Altoona Water and Sewer Authority, Atlantic Broadband, Blair County Planning Commission, Bolger Brothers, Inc, Cambria Coal Co., Dixon Tool & Die, Calvary Baptist Church, Clearfield Truck Stop, JCPenney Altoona, Lakemont Volunteer Fire Co., Greystone Construction, Ellis Office Supply, Credit Control Collections, Hollidaysburg Area YMCA, Hollidaysburg Borough, Jaffa Temple AAONMS, LAMAR Advertising, McAleer's Heating/Air Conditioning, Leap/Frog Technology, Mccraken Ind Painting, New Pendulum Corp., Martin Oil Company, New Pig Corp., Nittany Oil Company, Patterson Marketing, Penelec, Rayco Transportation, Prudent Engineering LLP, ServiceMaster Cleaning Services by request and MerryMaids Snow Shoe Truck Stop, The Long Barn Inc., Tel-Power, Inc., Thompson Auto Sales, Verizon, or Thompson Machine, Inc.; (3) immediate family and household members of current credit union members.
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Health
B+
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. Your Choice Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #11972
Year Chartered1957
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.14%
Return on Equity - YTD-1.37%
Annual Interest Income$65.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$14.4MM$13.6MM
LoansQ1 2022vs Q1 2021$3.0MM$3.6MM
DepositsQ1 2022vs Q1 2021$13.0MM$12.1MM
Equity CapitalQ1 2022vs Q1 2021$1.4MM$1.4MM
Loan Loss AllowanceQ1 2022vs Q1 2021$75.00K$81.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$20.00K$86.00K
Real Estate OwnedQ1 2022vs Q1 2021$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.

Your Choice Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Super Savings
OTHER TIERS: 0.15% $5k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k
0.10%$100-Regular Shares

Your Choice Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$500-24 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-6 Month CD
Locations


Your Choice Federal Credit Union Locations
Branch Office110 John Muir DrAmherst, NY 14228-1148
Branch Office109 Keystone StAltoona, PA 16602

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