• 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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people using credit cards
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Choosing the right credit card can be overwhelming with so many options to choose from. Isn’t it time you considered a First Choice Financial FCU VISA Credit Card? It doesn’t come with outrageous fees or rates. With its sleek look and many benefits, it’s the card you’ll want at the top of your wallet!

Choose what card is right for you and Apply Today.


plat credit card
title
Visa Platinum Credit Card w/ Rewards
Click Here for Disclosures
Apply Here!

  • 0% Introductory Rate for 12 billing cycles on Purchases and Balance Transfers
  • Be rewarded 1 point for every $1 spent
  • EMV-chip technology for added protection
  • Manage your card conveniently online, 24/7 through your PCU Banking
  • Rates as low as 8.90% APR*
  • No annual fee
  • No Cash Advance Fees
  • Balance Transfers**
  • Credit limit is a minimum of $5000
classic credit card
title
Visa Classic Credit Card
Click Here for Disclosures
Apply Here

  • 0% Introductory Rate for 12 billing cycles on Purchases Only
  • EMV-chip technology for added protection
  • Manage your card conveniently online, 24/7 through your PCU Banking
  • Rates as low as 13.90% APR*
  • No annual fee
  • No Cash Advance Fees
  • Balance Transfers**
  • Credit limit is a minimum of $500


secured credit card
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Share Secured Visa Classic
Click Here for Disclosures
Apply Here

  • Helps you build a positive credit history
  • Fixed rate of 17.99% APR*
  • No annual fee
  • No Cash Advance Fees
  • Credit limit is a minimum of $500
  • Balance Transfers**

Just starting out or needing to re-establish your credit? Our Visa Classic Share Secured Credit Card may be the perfect option for you! What does Share Secured mean? A Share Secured card is backed by funds in your savings account provided by you. So, the $500 credit limit minimum is secured in your savings account (cannot be used) while you use the credit card to build a positive credit history. Use the card responsibly and once you’ve built up your credit, you could qualify for an unsecured card – one that doesn’t require funds to be secured by your savings account.

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Reward Yourself with a New Look
When it comes to our rewards program, the toughest part is choosing from lots of options. That is why uChoose Rewards® gives you the flexibility to redeem points for travel, apparel, beauty, watches, sporting goods, and NOW you can redeem points for gift cards and statement credit!

uChoose Rewards® is a rewards program where you earn points using your First Choice Financial FCU VISA Platinum Credit Card. You earn points everywhere your credit card is accepted! Redeem your points for anything of your choice from a huge online rewards catalog. Earn 1 point for every $1 spent for each credit transaction. Plus, earn even more points when you shop at participating retailers or online through uchooserewards.com. When shopping in-store, select credit and sign for your purchases.

Lost or Stolen Card
There is nothing scarier than losing your wallet or having it stolen. Especially when your credit cards are involved. The moment you realize your credit card has been lost, stolen, or even compromised, report it immediately by calling 1-855-222-0512 or 1-571-526-3936 if you’re outside of the U.S.  The faster you let us know, the faster we can help protect you from fraud.

Activate Card
To activate your FCFFCU VISA Credit Card, call 1-855-222-0512. Be sure you are calling from the phone number associated with your credit card account. If you have issues activating your card, please contact our Member Service Department at 518-725-3191, option 3.

Online Access
Logging into your PCU Banking is your direct line to your First Choice Financial FCU VISA Credit Card. Once logged in, you can review your balance and transactions in real-time.
Login or Enroll Now

Travel Alerts
Setting a travel notice lets us know that you may be using your credit card in places outside of your normal spending area. By providing us with the dates of your trip and your destination, especially if it's outside the U.S., helps to ensure your card won’t be suspected of fraudulent activity. If a travel notice is not placed on your credit card, transactions may be declined due to fraud protection services. To place a Travel Notice, please contact our Member Service Department at 518-725-3191, option 3.

title

*Annual Percentage Rate
**Balance Transfer Fee of $5.00 or 3.00% of the amount of each balance transfer, whichever is greater
title
people using credit cards
title

Choosing the right credit card can be overwhelming with so many options to choose from. Isn’t it time you considered a First Choice Financial FCU VISA Credit Card? It doesn’t come with outrageous fees or rates. With its sleek look and many benefits, it’s the card you’ll want at the top of your wallet!

Choose what card is right for you and Apply Today.


plat credit card
title
Visa Platinum Credit Card w/ Rewards
Click Here for Disclosures
Apply Here!

  • 0% Introductory Rate for 12 billing cycles on Purchases and Balance Transfers
  • Be rewarded 1 point for every $1 spent
  • EMV-chip technology for added protection
  • Manage your card conveniently online, 24/7 through your PCU Banking
  • Rates as low as 8.90% APR*
  • No annual fee
  • No Cash Advance Fees
  • Balance Transfers**
  • Credit limit is a minimum of $5000
classic credit card
title
Visa Classic Credit Card
Click Here for Disclosures
Apply Here

  • 0% Introductory Rate for 12 billing cycles on Purchases Only
  • EMV-chip technology for added protection
  • Manage your card conveniently online, 24/7 through your PCU Banking
  • Rates as low as 13.90% APR*
  • No annual fee
  • No Cash Advance Fees
  • Balance Transfers**
  • Credit limit is a minimum of $500


secured credit card
title
Share Secured Visa Classic
Click Here for Disclosures
Apply Here

  • Helps you build a positive credit history
  • Fixed rate of 17.99% APR*
  • No annual fee
  • No Cash Advance Fees
  • Credit limit is a minimum of $500
  • Balance Transfers**

Just starting out or needing to re-establish your credit? Our Visa Classic Share Secured Credit Card may be the perfect option for you! What does Share Secured mean? A Share Secured card is backed by funds in your savings account provided by you. So, the $500 credit limit minimum is secured in your savings account (cannot be used) while you use the credit card to build a positive credit history. Use the card responsibly and once you’ve built up your credit, you could qualify for an unsecured card – one that doesn’t require funds to be secured by your savings account.

title



Reward Yourself with a New Look
When it comes to our rewards program, the toughest part is choosing from lots of options. That is why uChoose Rewards® gives you the flexibility to redeem points for travel, apparel, beauty, watches, sporting goods, and NOW you can redeem points for gift cards and statement credit!

uChoose Rewards® is a rewards program where you earn points using your First Choice Financial FCU VISA Platinum Credit Card. You earn points everywhere your credit card is accepted! Redeem your points for anything of your choice from a huge online rewards catalog. Earn 1 point for every $1 spent for each credit transaction. Plus, earn even more points when you shop at participating retailers or online through uchooserewards.com. When shopping in-store, select credit and sign for your purchases.

Lost or Stolen Card
There is nothing scarier than losing your wallet or having it stolen. Especially when your credit cards are involved. The moment you realize your credit card has been lost, stolen, or even compromised, report it immediately by calling 1-855-222-0512 or 1-571-526-3936 if you’re outside of the U.S.  The faster you let us know, the faster we can help protect you from fraud.

Activate Card
To activate your FCFFCU VISA Credit Card, call 1-855-222-0512. Be sure you are calling from the phone number associated with your credit card account. If you have issues activating your card, please contact our Member Service Department at 518-725-3191, option 3.

Online Access
Logging into your PCU Banking is your direct line to your First Choice Financial FCU VISA Credit Card. Once logged in, you can review your balance and transactions in real-time.
Login or Enroll Now

Travel Alerts
Setting a travel notice lets us know that you may be using your credit card in places outside of your normal spending area. By providing us with the dates of your trip and your destination, especially if it's outside the U.S., helps to ensure your card won’t be suspected of fraudulent activity. If a travel notice is not placed on your credit card, transactions may be declined due to fraud protection services. To place a Travel Notice, please contact our Member Service Department at 518-725-3191, option 3.

title

*Annual Percentage Rate
**Balance Transfer Fee of $5.00 or 3.00% of the amount of each balance transfer, whichever is greater
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