Routing Number: 261072770

Auburn Ave Branch Location
TEMPORARILY CLOSED!

Dear 1st Choice Members,

As news about the Coronavirus (COVID-19) continue to develop, we understand that these times of uncertainty are stressful for many. Now, more than ever we are committed to YOU and to our community. We are continuing to follow the recommendations from the CDC to help prevent the spread of disease and hope that you are doing the same.

Effective July 6, 2020, our Auburn Ave location will be Temporarily Closed.

With increased social distancing in our communities, we agreed to take this measure out of an implicit need to secure the safety of our members and visitors by decreasing the spread of the Coronavirus (COVID-19) to non-infected people, as well as guidance from Governor Kemp to utilize sensible discretion relative to public contact over the next few weeks.

Our Grady Branch location and team will remain on-site, available and vigilant to assist you with your credit union needs.  We encourage you however, to explore our Online Banking www.1stChoiceCU.org  and/or visit any one of our Shared Branch locations https://co-opcreditunions.org/locator/  which we hope will minimize any disruption in your overall sense of banking experiences with 1st Choice Credit Union.

If you need to contact our Administrative Branch Team during our temporary closing at the Auburn Ave location, please send us an email to info@1stchoicecu.org . Our dedicated staff is accessible and able to respond between the hours of 8:30am-4:00pm. Thank you for your patience as it may take us longer than usual to return calls due to the increase in emails, but know that we will respond as promptly as we can!

We would like to remind everyone that social distancing continues to be one of our best defenses against the spread of coronavirus. With common area amenities closed, we appreciate you placing your trust in us, and we will make every effort to continue to provide you with the best service possible while we all adapt to this rapidly changing environment.  As always, please don’t hesitate to contact us if you have questions or concerns.

Cassius F. Butts, CEO

loan rates

Share Certificates

Annual Percentage Yield is accurate as of June 1, 2020. Rates and other terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
  • Dividends are compounded on the average daily balance and compounded quarterly.
  • If you close your share account before dividends are paid, you will not receive the accrued dividends.

New Loan Type

Annual Percentage Rate

Term

New Autos
New RVs
New Motor Homes
New Boats
New Campers
as low as 3.09%
as low as 3.19%
as low as 3.39%
as low as 3.49%
as low as 3.54%
as low as 3.99%
24 months
36 months
48 months
60 months
72 months
84 months

Used Loan Type

Annual Percentage Rate

Term

Used Autos
Used RVs
Used Motor Homes
Used Boats
Used Campers
as low as 3.09%
as low as 3.19%
as low as 3.39%
as low as 3.49%
as low as 3.99%
24 months
36 months
48 months
60 months
72 months

MasterCard

Annual Percentage Rate

Term

Platinum Secured
Platinum Unsecured
as low as 15.9%, no annual fee
Prime+ 4.24% to Prime+ 12.24%
Revolving
Revolving

Other Loans

Annual Percentage Rate

Term

Holiday
Share
Secured
CD
Secured
Regular Personal
as low as 12.00%
6.0% o 3.0% above Share rate,
whichever is greater
6.0% o 3.0% above Share rate,
whichever is greater
as low as 9.90%
Installment up to 12 months
Installment up to
60 months
Installment up to
60 months
Installment up to 60 months

Mortgage Loans

Annual Percentage Rate

Term

Long and short terms available
HELCO (Home Equity Line of Credit)
2nd Mortgage Loans
2nd Mortgage Loans
2nd Mortgage Loans
Call the credit union at 404-832-5800
Prime+1
as low as 9% APR
as low as 9% APR
as low as 9% APR
as low as 9% APR
35 months
Under 5 years
5 to 10 years
10 to 15 years

Rates as of June 1, 2020.  Rates may vary due to creditworthiness and lending policy.

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