Routing Number: 261072770

Auburn Ave Branch Location

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  and/or visit any one of our Shared Branch locations  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 . 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

Mortgage Loans

1st and 2nd Mortgage Loans
Frequently Asked Questions

  • Conventional Loan 30 years fixed 4.375%
  • FHA Loan 30 years fixed 3.875%

Q. What is the minimum credit score needed to purchase a home?

  •  Conventional – The minimum credit score is 740
  •  FHA – The minimum credit score is 640

Q. Are there any application or origination fees?

Currently there is no application or origination fees for the 1st mortgage at this time.

Q. What is the length of time it takes to close on mortgage?

The average length of time to close on a 1st mortgage is 45 days.

Q. How much down payment is required?

  •  Conventional Loan 5% of sales price
  • FHA Loan 3.5% of sales price

Q. What is a Closing Cost?

Closing Cost are fees charged by Lenders, example; attorney fees, appraisal fees. Most of the time, the Homebuyers pay the Closing Cost.

Q. How do I prequalify?

You can apply online or download a paper application at You will receive a response within three business days.

You will be redirected to one of our mortgage originating partners’ websites below:

  • Credit Union Financial Serivces (CUFS)
    1123 Elm Street, NE
    Covington, GA 30014

Q. What is a Homebuyers Workshop?

A Homebuyers Workshop provides general information about the home buying process, down payment assistance programs, closing cost, home inspections, credit readiness and financial options.

Q. How do I apply for down payment assistance?

1st Choice Credit Union has partnership with agencies in the community who provides funding for eligible borrowers.

Contact one of our homeownership counselors at 404.832.5800 for details.

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