Credit union · NCUA insured
Choice One Community Credit Union
Top CarrotA $131.4M credit union headquartered in Plains Township, PA, with 10,730 members and 6 branches in Pennsylvania. Best rates: CDs 3.40% and savings 1.75% APY.
Choice One Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#4 of 30 in Scranton, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Choice One Community Credit Union
Originally chartered in 1941 by Bell Telephone Company employees, Choice One Community Credit Union was formed to give communities a better choice for competitive rates and personal service.
The credit union serves more than 13,000 members with five locations in Wilkes-Barre, Hazleton, Plains Township, Kingston, and Old Forge, Pennsylvania.
- Headquarters
- 501 E Main St, Plains Township, PA 18702-6920
- NCUA charter
- 4240
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or have a business entity in Luzerne, Lackawanna, or Wyoming Counties.
Family and household
- Immediate family members of current members are eligible to join regardless of whether they meet geographic criteria.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share savings deposit and balance of $5 is required for membership.
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
- MainMain office501 E Main St, Plains Township, PA 18702Directions
- Hazleton983 N Sherman Ct, Hazleton, PA 18201Directions
- Kingston754 Wyoming Ave, Kingston, PA 18704Directions
- Old Forg510 Bridge St, Old Forge, PA 18518Directions
- Plains501 E Main St, Plains Township, PA 18702Directions
- Wilkes Barre101 Hazle St, Wilkes-Barre, PA 18702Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.35% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio10.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.35%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Choice One Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.