Business Details
50 Years
experience
Your Trusted Community Credit Union in Hahnville, LA
Founded in 1976 by a group of Taft Carbide employees, Total Choice Federal Credit Union has grown to serve over 7,000 members across St. Charles, St. James, and St. John the Baptist parishes. Our cooperative structure ensures members receive competitive rates, personalized service, and financial education resources. With $60 million in assets, we prioritize community needs through savings programs, loan options, and 24-hour telephone banking. Our democratic governance model allows members equal voting rights, and our volunteer board reinvests earnings to enhance services.We maintain transparency in operations while adhering to federal credit union regulations. Our team combines decades of local financial expertise with modern banking solutions to support members' financial goals. Through partnerships and surcharge-free ATM networks, we expand accessibility without compromising personalized attention. Our commitment to financial literacy includes counseling services and digital tools for budgeting and credit monitoring. We continuously adapt to technological advancements while maintaining the personal touch that defines credit unions.
Services
Savings Accounts
Checking Accounts
Auto Loans
Online Banking
Financial Counseling
Details
- Year established: 1976
Highlights and features
- We offer 24/7 telephone banking access for account management at any time
- Our community charter serves residents of three Louisiana parishes directly
- Member-owned structure returns profits through better rates and lower fees
- Volunteer board ensures local decision-making by community members
- Financial counseling services help members achieve long-term financial goals
Services
Savings Accounts
Our savings accounts provide secure money management with competitive interest rates. Members benefit from federal insurance and tiered rate structures that reward larger balances. We offer specialized youth accounts to teach financial responsibility from an early age.
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases. Our financing options include flexible terms and pre-approval processes to simplify car buying. Members receive personalized loan counseling to ensure affordable repayment plans.
Online Banking
Our 24/7 online banking platform enables account management from any device. Features include bill payment, fund transfers, and real-time transaction tracking. Security measures protect against fraud while maintaining user-friendly access.
Financial Counseling
We provide free financial counseling services to help members improve credit scores and create budgets. Our counselors offer debt management strategies and educational resources for long-term financial health.
Checking Accounts
Our checking accounts feature no monthly maintenance fees and unlimited check writing. Members receive free online bill payment and mobile deposit capabilities. We offer rewards checking options with enhanced interest rates for qualified members.
Questions
How can I become a member?
Anyone living, working, or attending school in St. Charles, St. James, or St. John the Baptist parishes can join by opening a savings account with a $5 minimum deposit.
What loan types do you offer?
We provide auto loans, personal loans, home equity loans, and credit cards. Our loan officers help members choose appropriate financing options with competitive interest rates.
Is my money insured?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA), providing the same protection as FDIC insurance for banks.
Do you have mobile banking?
Our mobile app allows account access, bill payments, fund transfers, and check deposits. Download the Total Choice FCU app from your device's app store for free.
How do I report a lost card?
Call 855-251-1775 for lost VISA credit cards or 800-472-3272 (option 2) for MasterCard debit cards. These lines operate 24/7 for immediate card deactivation and replacement.
Reviews (1)
Larry Montgomery
Dec 19, 2018
Report
Arrived at this credit union at 9:45am on Saturday September 8, 2018. The bank was suppose to be open until 1pm. The website and sign on the door confirmed the open time. No one was in the lobby area and only one vehicle was in the parking lot. Not realiable
