Credit union · NCUA insured
First Choice Community Credit Union
A $48.5M credit union headquartered in Knoxville, TN, with 3,557 members and 2 branches in Tennessee. Best rates: CDs 3.56% and savings 0.10% APY.
First Choice Community Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#19 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Choice Community Credit Union
First Choice Community Credit Union is a member-owned cooperative headquartered in Knoxville, Tennessee.
Chartered in 1934 as Fulton Credit Union by Fulton Bellows Plant employees seeking a safe place to save and borrow, it later adopted its current name in 2003.
The credit union serves East Tennessee with three branch locations in Knoxville, Mascot, and Seymour.
- Headquarters
- 100 N 17th St, Knoxville, TN 37921-6750
- NCUA charter
- 67185
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to anyone who lives, works, worships, or attends school in Knox, Blount, Jefferson, or Sevier County.
Family and household
- Immediate family members of existing members are eligible to join.
Cost to join
- Initial $5 deposit or share of ownership required to join.
Branches
2 branches in Tennessee
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Tennessee
2 branches
- First Choice Community Credit UnionMain office100 N 17th St, Knoxville, TN 37921Directions
- First Choice Comm-Mascot9440 Mascot Rd, Mascot, TN 37806Directions
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 | 16.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.31% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio16.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 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.