Credit union · NCUA insured
First Choice Financial Federal Credit Union
Top CarrotA $180.8M credit union headquartered in Gloversville, NY, with 13,355 members and 3 branches in New York. Best rates: CDs 4.39% and savings 0.10% APY.
First Choice Financial Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#1 of 2 in Gloversville, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Choice Financial Federal Credit Union
Founded in 1972 as Fulton County Teachers Federal Credit Union, the credit union changed its name to Fulton County Federal Credit Union in 2002 and to First Choice Financial Federal Credit Union in 2014.
The member-owned institution serves individuals who live, work, worship, attend school, or have a business in Fulton or Montgomery Counties and designated Hamilton County towns.
- Headquarters
- 355 Hales Mills Rd Ext, Gloversville, NY 12078-5703
- NCUA charter
- 21012
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, attend school, or have a business in Fulton or Montgomery Counties, or the Towns of Arietta, Benson, Hope, Wells, Speculator, Lake Pleasant, or Indian Lake in Hamilton County.
Cost to join
- An initial share deposit of $5.00 or more is required to join.
Branches
3 branches in New York
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New York
3 branches
- Main BuildingMain office355 Hales Mills Rd Ext, Gloversville, NY 12078Directions
- Broadalbin Office3677 State Highway 30, Broadalbin, NY 12025Directions
- Wal-Mart Branch Office329 S Kingsboro Ave, Gloversville, NY 12078Directions
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 | 13.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.70% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio13.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.70%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ 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 Financial 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.