Business Details
We have been dedicated to serving the financial needs of our members in Atlanta for many years. We operate as a federally insured credit union, ensuring member deposits are protected by the NCUA. We are Bank On Certified and CDFI approved, demonstrating our commitment to inclusive banking. We provide a full suite of personal and business banking products, including checking, savings, and money market accounts. We specialize in offering competitive personal loans with fixed rates, no collateral, and transparent fees. We deliver auto financing with rates as low as 6.50% for up to 60 months, helping members afford new vehicles.
We manage mortgage and HELOC solutions that enable members to purchase homes and leverage equity responsibly. We partner with Working Advantage to give members up to 50% savings on travel and entertainment experiences. We maintain rigorous underwriting standards and a fast approval process to solve members financing challenges quickly. We uphold strict privacy and accessibility policies, ensuring all members can securely access our services. We continuously seek member feedback and invest in technology to improve service quality and satisfaction.
We manage mortgage and HELOC solutions that enable members to purchase homes and leverage equity responsibly. We partner with Working Advantage to give members up to 50% savings on travel and entertainment experiences. We maintain rigorous underwriting standards and a fast approval process to solve members financing challenges quickly. We uphold strict privacy and accessibility policies, ensuring all members can securely access our services. We continuously seek member feedback and invest in technology to improve service quality and satisfaction.
Highlights and features
- We are federally insured by the NCUA.
- Our credit union is Bank On Certified and CDFI approved.
- We offer competitive personal loan rates with no annual fee.
- Our processing fee for loan applications is $25.
- We provide up to 50% savings on travel and entertainment.
Services
Personal Loans
We provide fixedrate personal loans with adjustable terms to fit member budgets. Eligible members can borrow without collateral based on creditworthiness, paying a $25 processing fee. The loan offers predictable monthly payments, helping members consolidate debt or fund large purchases.
Auto Loans
We offer newvehicle auto loans with rates as low as 6.50% for 60month terms. The product is specifically designed for members seeking affordable financing on cars, trucks, or SUVs. Competitive rates significantly reduce overall interest costs, enabling faster equity buildup.
Mortgage
We provide mortgage loans that help members purchase homes with flexible downpayment options. Qualified borrowers receive competitive rates and the ability to refinance existing mortgages. Our mortgages support longterm stability, equity growth, and community wealth building throughout the years for families.
HELOC
We offer HELOCs that let members tap home equity for renovations, education, or debt consolidation. The line of credit features variable rates and flexible draw periods tailored to qualified borrowers. Members benefit from interestonly payments during the draw phase, preserving cash flow.
Credit Cards
We issue credit cards with competitive APRs and no annual fees for members. Cards include rewards and security features designed for everyday purchases and online transactions. Our transparent terms help members responsibly manage spending while building credit history for future.
Reviews (5)
Victoria
Feb 03, 2022
Report
I've had an account with this bank for 10 + years, and I always used the Grady location when I worked at the hospital. Ms. Bell, and others gave excellent service. Ms. Regina K. at the main location is professional and very helpful as well.
Summer Parsons
Nov 15, 2021
Report
I have been with this bank many years but this year the spirit of this bank fails 100%...It does not deserve even a -0. way below zero. UNPROFESSIONALISM AT IT'S BEST. I am leaving this bank today. The loan officer, Ms Newsome, will not answer your calls, nor will she return them. The other staff memebers are all in this together it seems. SAD SAD SAD. and good bye
Regina Grant
Nov 07, 2021
Report
For those of you who have been dissatisfied in the service you received in the distant pass, I apologize. I would like to invite you to try 1st Choice again. Your voices was heard and management has implemented a lot of changes, regarding both staff and technology. Just come and see (call or come in) for yourself. Thanks for your patience and understanding.
Tee Tee
Aug 03, 2021
Report
Im switching banks, they charge me a bank fee of $15 seems like every day. They never answer the phone. My card been expired since 6/21 they never sent a new card. Every time I turn around its a new charge to my account! Get a new bank please
Bj Harris
Jun 05, 2021
Report
I'm a 21 yr account holder. First as a Grady RN and now as a retired RN. I've always found the staff professional and accommodating to my banking needs. Ms Bell is my favorite teller but they all are very capable and are not ashamed to ask the others if they need help. They get 5 stars from me
