• Routing #: 221376186
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Security Warning: Unauthorized access or attempts to upload and/or change information on this website are strictly prohibited and subject to prosecution. It is our policy at First Choice Financial FCU to never request account and other confidential information via email. If you suspect an email message, or website to be of fraudulent activity, to be claiming to be affiliated with FCFFCU, and asking for confidential information, please contact us immediately at 518-725-3191.



NMLS# 800563 Routing Number 221376186
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Bank / Borrow

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Deposit Accounts
FCFFCU offers a variety of interest-bearing accounts to serve your savings needs.

Share Account
This is an all-purpose savings account. We ask that you maintain a minimum balance of $5.00.

Share Draft Account
This non-interest-bearing checking account has no monthly fees or per check charges. Overdraft protection is also available which means you’ll never have to worry about overdrawing your account.

Christmas Club
Make saving for the holidays easier with regular deposits into your club account. We transfer the balance October 1st to your share account.

Special Share Account
Put aside a regular amount each payday, to save for something outside of your normal realm of savings.

IRA Account
Save on taxes while you build a no-fee Individual Retirement Account. It’s a great way to supplement your pension and Social Security.

Share Certificate Accounts*
You can invest in certificates with terms from 6 months to 5 years. All certificates require a minimum balance of $500.00 and earn a competitive rate.
*Early withdrawal penalties apply.

Money Market Savings Account
Watch your interest rate rise as your deposits grow in this tiered savings account with no minimum balance


Loans 
FCFFCU loans are offered at reasonable interest rates and are available to help you meet most major expenses. In addition, we offer 24-hour approval in most cases. 

New Auto/Used Auto 
Loans are available for purchasing new/used autos, motorcycles, trucks, boats and campers. Various loan terms to choose from. 

Recreational/Power Sports
Loans are available for, ATV/UTV’s, Four Wheelers, Jet Skis and snowmobiles. 

Personal Line of Credit 
Borrow what you need when you need it. Apply for a line of credit for maximum flexibility. 

Variable Rate Share Secured 
Funds in your regular share or certificate accounts may be used as collateral for loans at a lower rate than most other loans. 

Mortgages 
FCFFCU has loan options to get you into the house of your dreams in NYS. Apply on-line through the Mortgage Web Center anywhere, any time. 

Home Equity 
Use your home’s equity to free up funds for whatever you'd like: college tuition, vacation, home improvements, and more. 

Personal 
Apply for a loan that’s backed by your signature alone, no security necessary and finance it for up to five years. 

Visa Credit Cards 
Apply for a VISA Platinum Credit Card with rewards, Visa Classic Credit Card or a Share Secured Visa Credit Card. 
ALL with NO ANNUAL FEES 

Overdraft Protection 
Hassle-free overdraft protection with no overdraft fees.
people doing banking transactions
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Additional Services

On-site ATM

VISA Debit Card
(One-Time Passcode Purchase Protection for debit cards. Click here to learn more!)

Drive Through Teller Service (Main Office and Broadalbin Branch)

Free Bill Payer

NADA Information

Newsletters

Mortgage Web Center

Extended Warranty Services

Cashier Checks & Money Orders

Direct Deposit/Payroll Deduction

Notary Public Service

Medallion Signature Guarantee

Night Drop Box (Main Office & Broadalbin)

Mobile Banking/Remote Deposit Capture

Visa Gift Card

PCU Banking

title
title

Bank / Borrow

people doing banking transactions
title
Deposit Accounts
FCFFCU offers a variety of interest-bearing accounts to serve your savings needs.

Share Account
This is an all-purpose savings account. We ask that you maintain a minimum balance of $5.00.

Share Draft Account
This non-interest-bearing checking account has no monthly fees or per check charges. Overdraft protection is also available which means you’ll never have to worry about overdrawing your account.

Christmas Club
Make saving for the holidays easier with regular deposits into your club account. We transfer the balance October 1st to your share account.

Special Share Account
Put aside a regular amount each payday, to save for something outside of your normal realm of savings.

IRA Account
Save on taxes while you build a no-fee Individual Retirement Account. It’s a great way to supplement your pension and Social Security.

Share Certificate Accounts*
You can invest in certificates with terms from 6 months to 5 years. All certificates require a minimum balance of $500.00 and earn a competitive rate.
*Early withdrawal penalties apply.

Money Market Savings Account
Watch your interest rate rise as your deposits grow in this tiered savings account with no minimum balance


Loans 
FCFFCU loans are offered at reasonable interest rates and are available to help you meet most major expenses. In addition, we offer 24-hour approval in most cases. 

New Auto/Used Auto 
Loans are available for purchasing new/used autos, motorcycles, trucks, boats and campers. Various loan terms to choose from. 

Recreational/Power Sports
Loans are available for, ATV/UTV’s, Four Wheelers, Jet Skis and snowmobiles. 

Personal Line of Credit 
Borrow what you need when you need it. Apply for a line of credit for maximum flexibility. 

Variable Rate Share Secured 
Funds in your regular share or certificate accounts may be used as collateral for loans at a lower rate than most other loans. 

Mortgages 
FCFFCU has loan options to get you into the house of your dreams in NYS. Apply on-line through the Mortgage Web Center anywhere, any time. 

Home Equity 
Use your home’s equity to free up funds for whatever you'd like: college tuition, vacation, home improvements, and more. 

Personal 
Apply for a loan that’s backed by your signature alone, no security necessary and finance it for up to five years. 

Visa Credit Cards 
Apply for a VISA Platinum Credit Card with rewards, Visa Classic Credit Card or a Share Secured Visa Credit Card. 
ALL with NO ANNUAL FEES 

Overdraft Protection 
Hassle-free overdraft protection with no overdraft fees.
title
title
Additional Services

On-site ATM

VISA Debit Card
(One-Time Passcode Purchase Protection for debit cards. Click here to learn more!)

Drive Through Teller Service (Main Office and Broadalbin Branch)

Free Bill Payer

NADA Information

Newsletters

Mortgage Web Center

Extended Warranty Services

Cashier Checks & Money Orders

Direct Deposit/Payroll Deduction

Notary Public Service

Medallion Signature Guarantee

Night Drop Box (Main Office & Broadalbin)

Mobile Banking/Remote Deposit Capture

Visa Gift Card

PCU Banking

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