Credit union · NCUA insured
First Choice America Community Federal Credit Union
A $704.4M credit union headquartered in Weirton, WV, with 30,677 members and 8 branches in 2 states. Best rates: CDs 5.22% and savings 0.08% APY.
First Choice America Community Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#4 of 12 in Weirton, WV-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Choice America Community Federal Credit Union
First Choice America Community Federal Credit Union is headquartered in Weirton, West Virginia.
The credit union serves customers across the Ohio Valley.
- Headquarters
- 3501 Main St, Weirton, WV 26062
- NCUA charter
- 3264
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This may be incomplete or out of date, so check with the credit union before you apply.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 those who work, reside, worship, or attend school in specified counties and cities in West Virginia and Ohio, and specified townships in Washington County, Pennsylvania.
Employers and groups
- Membership is open to persons retired as pensioners or annuitants from an employer located within the field of membership.
Family and household
- Membership is open to members of the immediate family and household, and organizations of such persons.
- Membership is open to spouses of persons who died within the field of membership of the Credit Union.
Other ways
- Membership is open to local businesses and other legal entities located within the eligible geographic field of membership areas.
- Membership is open to volunteers in the community.
Cost to join
- Membership requires the purchase of a $5 share in a First Choice America savings account and completion of a membership application.
Branches
8 branches in 2 states
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West Virginia
6 branches
Weirton area · 3
- Main OfficeMain office3501 Main St, Weirton, WV 26062Directions
- Chester Office300 Carolina Ave, Chester, WV 26034Directions
- Three Springs Drive370 Three Springs Dr, Weirton, WV 26062Directions
Wheeling area · 3
- Elm Grove Office1A Elm Grove Crossing Mall, Wheeling, WV 26003Directions
- Medical Park Office1 Medical Park, Wheeling, WV 26003Directions
- Wheeling Office1990 Chapline St, Wheeling, WV 26003Directions
Ohio
2 branches
- Steubenville Office1835 Sunset Blvd, Steubenville, OH 43952Directions
- Wintersville Office762 Canton Rd, Wintersville, OH 43953Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.15% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.15% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $23 | $76 | — |
- CapitalNet worth ratio18.15%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.15%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$23Peers’ 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 First Choice America Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.