Credit union · NCUA insured
First Choice Federal Credit Union
A $93.9M credit union headquartered in New Castle, PA, with 9,534 members and 3 branches in Pennsylvania. Best rates: savings 0.10% APY.
First Choice Federal Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#72 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Choice Federal Credit Union
Originally chartered in 1952 as B&O New Castle Employees Federal Credit Union serving the Baltimore – Ohio Railroad, First Choice adopted its current name and expanded its membership charter in 2000.
The member-owned cooperative is headquartered in New Castle, Pennsylvania, and serves Lawrence County with three branch offices.
- Headquarters
- 2209 W State St, New Castle, PA 16101-1138
- NCUA charter
- 8229
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, volunteers, or attends church or school in Lawrence County is eligible to join.
Employers and groups
- Employees of participating Member Companies (Select Employee Groups / SEGs), including CSX Corporation (formerly B&O Railroad), are eligible to join.
Family and household
- Relatives of current First Choice Federal Credit Union members (including children and grandchildren living outside the area) are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $10 share deposit, which is free/refundable, subject to a $10.00 early close penalty if closed within six months.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
- First Choice FCUMain office2209 W State St, New Castle, PA 16101Directions
- First Choice FCU2810 Wilmington Rd, New Castle, PA 16105Directions
- First Choice FCU1144 Butler Ave, New Castle, PA 16101Directions
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 | 12.57% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio12.57%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ 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 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.