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title

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
title

Policies and Disclosures
title Privacy Policies
title
Click Here for the FCFFCU Privacy Policy
Click Here for the Card Guard Privacy Policy
title EFT Agreement and Disclosures
title

Click Here for EFT Disclosures
title Fee Schedule
(Effective May 2024)
title

ELECTRONIC BANKING / CREDIT CARD:
Debit Card Replacement Fee........................................$5.00
Debit Card Replacement RUSH fee............................$40.00
ATM Withdrawal Transactions ......................................$1.00
(per transaction in excess of 5/month)*
* No surcharge / transaction fees at CU locations
Credit Card Replacement RUSH fee ..........................$40.00
*FREE Debit Card Point of Sale Transactions ............
(Point, Pin & Signature based transactions are FREE)

WIRE TRANSFER:
Domestic Outgoing......................................................$25.00
International Outgoing ................................................$40.00

CHECKS:
Bank Checks ........................................1st Free, $1.00 each
Copy of Bank Check......................................................$2.00
Stop Payment Bank Check ........................................$25.00
Money Orders ......................................................$1.00 each

ACCOUNT RELATED FEES:
Courtesy Pay (CPAY) ..........................................$15.00/Item
(Payment of overdrafts, ACH Items, Internet Bill Payer, Debit Card
transactions, & ATM withdrawal items up to $500 including fees)
Deposited Checks (returned) ......................................$15.00
Overdraft (returned Debit/NSF) ..................................$15.00
Stop Payment (all items) ............................................$25.00
Protest Draft/Check Fee..............................................$25.00
Restraining Notice/Legal  Processing/Levies..........................$50.00
Inactive Account Fee........................................$ 5.00/month
(If inactive for 2 years & less than $250 in account)
Copy of Paid Draft ........................................................$2.00
Account Research ........................1st Free, $25.00/per hour
(With a 1 Hour Minimum)
Incorrect Address Fee ................................................$ 2.00
Photocopy of Open or Closed Account ................$2.00/page
Closed Account Fee....................................................$25.00
(If closed within 3 months of opening)
Escheat processing fee ..............................................$25.00
IRA Transfer/Closeout fee ..........................................$25.00
Misc. Overnight Fee ....................................................$40.00
title 2025 Student Scholarship Information
title
The Program

Each year, First Choice Financial Federal Credit Union awards up to $8,000 in scholarships to

candidates who demonstrate academic excellence and a commitment to community service,

reflecting our philosophy of “people helping people.”

 

Scholarship recipients must submit a college acceptance letter and proof of full-time enrollment.

In 2025, First Choice Financial Federal Credit Union will award eight $1,000 scholarships.

Eligibility

       The applicant must be:

        - A Member of First Choice Financial FCU and in good standing with the Credit Union.   

        - A first-time college bound student.

- PTECH students are eligible to apply.

        - Age 21 or younger.

Application Process

1.  ?  The applicant and his/her parent or guardian must sign the Certification and Release Authorization.

2.  ?  The signed application must be submitted together with:  

____ Sealed official high school transcript and unweighted GPA.

____ Applicant’s credit union essay.

____ Teacher’s letter of reference. (2) Required.

____ Letter of acceptance/proof of full-time status from the college attending

 

3.  ?  The application, transcript, essay, letters of recommendation, and letter of acceptance/proof

                   of full-time status from the college attending must be returned by the application deadline.  

                   If any portion is incomplete or not included, the application will not be considered.

Application Deadline


Application must be returned to the Credit Union no later than Friday, March 28, 2025.

2025 Holiday Schedule


NEW YEAR’S DAY                                                        WEDNESDAY, JANUARY 1

MARTIN LUTHER KING’S DAY                   MONDAY, JANUARY 20

PRESIDENT’S DAY                                          MONDAY, FEBRUARY 17

MEMORIAL DAY                                             MONDAY, MAY 26

JUNETEENTH National Independence Day  THURSDAY, JUNE 19

INDEPENDENCE DAY                                    FRIDAY, JULY 4

LABOR DAY                                                     MONDAY, SEPTEMBER 1

COLUMBUS DAY                                           MONDAY, OCTOBER 13

VETERAN’S DAY                                           TUESDAY, NOVEMBER 11

THANKSGIVING DAY                                  THURSDAY, NOVEMBER 27

CHRISTMAS                                                  THURSDAY, DECEMBER 25

Hours to be determined: 

MEMORIAL DAY WEEKEND           SATURDAY, MAY 24

LABOR DAY WEEKEND                   SATURDAY, AUGUST 30
title

Policies and Disclosures
title Privacy Policies
title
Click Here for the FCFFCU Privacy Policy
Click Here for the Card Guard Privacy Policy
title EFT Agreement and Disclosures
title

Click Here for EFT Disclosures
title Fee Schedule
(Effective May 2024)
title

ELECTRONIC BANKING / CREDIT CARD:
Debit Card Replacement Fee........................................$5.00
Debit Card Replacement RUSH fee............................$40.00
ATM Withdrawal Transactions ......................................$1.00
(per transaction in excess of 5/month)*
* No surcharge / transaction fees at CU locations
Credit Card Replacement RUSH fee ..........................$40.00
*FREE Debit Card Point of Sale Transactions ............
(Point, Pin & Signature based transactions are FREE)

WIRE TRANSFER:
Domestic Outgoing......................................................$25.00
International Outgoing ................................................$40.00

CHECKS:
Bank Checks ........................................1st Free, $1.00 each
Copy of Bank Check......................................................$2.00
Stop Payment Bank Check ........................................$25.00
Money Orders ......................................................$1.00 each

ACCOUNT RELATED FEES:
Courtesy Pay (CPAY) ..........................................$15.00/Item
(Payment of overdrafts, ACH Items, Internet Bill Payer, Debit Card
transactions, & ATM withdrawal items up to $500 including fees)
Deposited Checks (returned) ......................................$15.00
Overdraft (returned Debit/NSF) ..................................$15.00
Stop Payment (all items) ............................................$25.00
Protest Draft/Check Fee..............................................$25.00
Restraining Notice/Legal  Processing/Levies..........................$50.00
Inactive Account Fee........................................$ 5.00/month
(If inactive for 2 years & less than $250 in account)
Copy of Paid Draft ........................................................$2.00
Account Research ........................1st Free, $25.00/per hour
(With a 1 Hour Minimum)
Incorrect Address Fee ................................................$ 2.00
Photocopy of Open or Closed Account ................$2.00/page
Closed Account Fee....................................................$25.00
(If closed within 3 months of opening)
Escheat processing fee ..............................................$25.00
IRA Transfer/Closeout fee ..........................................$25.00
Misc. Overnight Fee ....................................................$40.00
title 2025 Student Scholarship Information
title
The Program

Each year, First Choice Financial Federal Credit Union awards up to $8,000 in scholarships to

candidates who demonstrate academic excellence and a commitment to community service,

reflecting our philosophy of “people helping people.”

 

Scholarship recipients must submit a college acceptance letter and proof of full-time enrollment.

In 2025, First Choice Financial Federal Credit Union will award eight $1,000 scholarships.

Eligibility

       The applicant must be:

        - A Member of First Choice Financial FCU and in good standing with the Credit Union.   

        - A first-time college bound student.

- PTECH students are eligible to apply.

        - Age 21 or younger.

Application Process

1.  ?  The applicant and his/her parent or guardian must sign the Certification and Release Authorization.

2.  ?  The signed application must be submitted together with:  

____ Sealed official high school transcript and unweighted GPA.

____ Applicant’s credit union essay.

____ Teacher’s letter of reference. (2) Required.

____ Letter of acceptance/proof of full-time status from the college attending

 

3.  ?  The application, transcript, essay, letters of recommendation, and letter of acceptance/proof

                   of full-time status from the college attending must be returned by the application deadline.  

                   If any portion is incomplete or not included, the application will not be considered.

Application Deadline


Application must be returned to the Credit Union no later than Friday, March 28, 2025.

2025 Holiday Schedule


NEW YEAR’S DAY                                                        WEDNESDAY, JANUARY 1

MARTIN LUTHER KING’S DAY                   MONDAY, JANUARY 20

PRESIDENT’S DAY                                          MONDAY, FEBRUARY 17

MEMORIAL DAY                                             MONDAY, MAY 26

JUNETEENTH National Independence Day  THURSDAY, JUNE 19

INDEPENDENCE DAY                                    FRIDAY, JULY 4

LABOR DAY                                                     MONDAY, SEPTEMBER 1

COLUMBUS DAY                                           MONDAY, OCTOBER 13

VETERAN’S DAY                                           TUESDAY, NOVEMBER 11

THANKSGIVING DAY                                  THURSDAY, NOVEMBER 27

CHRISTMAS                                                  THURSDAY, DECEMBER 25

Hours to be determined: 

MEMORIAL DAY WEEKEND           SATURDAY, MAY 24

LABOR DAY WEEKEND                   SATURDAY, AUGUST 30
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