Credit union · NCUA insured
First Choice Credit Union
Top CarrotA $155.4M credit union headquartered in West Palm Beach, FL, with 8,341 members and 2 branches in Florida. Best rates: CDs 4.75% and savings 0.55% APY.
First Choice Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#3 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Choice Credit Union
Founded in 1929 as the Palm Beach County Postal Credit Union, First Choice Credit Union is a Florida state-chartered credit union headquartered in West Palm Beach, Florida.
It was formed to foster member thrift, provide financial services, and offer credit at fair and reasonable interest rates.
- Headquarters
- 1055 S Congress Ave, West Palm Beach, FL 33406-5195
- NCUA charter
- 67725
Branches
2 branches in Florida
Loading map…
Florida
2 branches
- Main OfficeMain office1055 S Congress Ave, West Palm Beach, FL 33406Directions
- VA Medical Center7305 N Military Trl, Riviera Beach, FL 33410Directions
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 | 10.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio10.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.