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First Choice

1055 S CONGRESS AVE, West Palm Beach, FL 33406
NCUA Insured3.4 (96 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1929

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1055 S CONGRESS AVE

West Palm Beach, FL 33406

Service Area

This credit union is located in West Palm Beach and serves members in the FL area. Currently serving 8,298 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.00%

Used Auto Loan

5.50%

Personal Loan

10.00%

Credit Card APR

10.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.4

96 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Craft Cans

Craft Cans

4 months ago

What an outstanding experience I had with this credit union! I was getting a used car loan and not only did they have the best rates I could find. They had a couple of optional incentives that were easy and hard to pass up, which I did not. I was dealing with Julie, who I believe is a manager or the West Palm Beach branch,and I must say what a joy! I have never done an auto loan with a credit union, so I was somewhat new to the process and nervous as I knew I would have many questions. Julie literally walked me through every step of the entire process and answered every single one of my questions of which there were a lot! Not only was she easy to get a hold of, but she always got back to me very quickly her knowledge and expertise gave me 100% confidence that I was dealing with quality. I will definitely use first choice credit union in the future and I hope that Julie and her coworkers can see how appreciative we are!!!

Gregory and Paula Massey

Gregory and Paula Massey

5 months ago

What an awful experience today with a young lady who is cute but has a very nasty attitude toward a customer. Her name is Dailyn she is the front desk person. Please review the video between 11 a.m.and 11:45 a.m. of how she pointed to the sign as if I could not read telling me to go to the drive through, when I was trying to inform her about the account that I was working with. So embarrassing in front of other people.She has no personality and she does not need to be there to greet customers. Once our family has everything situated. We will be closing our account.

james cook

james cook

4 months ago

I've been a member here for 26 years. By far, the friendliest person working there is Karen Tellen. She is courteous, friendly & very professional.

Moise Jacques

Moise Jacques

3 months ago

By far some of the worst customer service I’ve ever experienced. I’ve spent hours on the phone trying to get help, only to get nowhere. They closed my account without any prior notice or any issue on my end, and when I asked for an explanation, they refused to give me a real reason. Don’t get this bank.

Lovenia Tibby

Lovenia Tibby

5 months ago

I've been a member at FCCU for over 30 years and have never had a situation that they couldn't assist me with, they have always been very professional as well as being very polite, I've dealt directly with Mike Welte and Yordi in the past where I was desperately needing financial assistance and they worked it out for me, I'm more than satisfied with their services

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).