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Deposit Accounts

Regular Share (Savings)

  • Free ATM card available
  • Dividends are paid on balances over $50.00
  • Dividends are paid quarterly.
  • Can deposit or withdraw funds at any time
  • NCUA Insured To $250,000.00
  • $5.00 opening balance

Bright Beginnings (for children up to age 19)

  • No minimum balance required
  • Dividends paid on full balance
  • Dividends paid quarterly
  • Funds can be deposited or withdrawn at any time
  • Cash incentives for good grades
  • Birthday card with monetary gift
  • A special interest rate
  • Miscellaneous Activities

Health Savings Account

  • Funds may be used to pay qualified medical expenses
  • Available to taxpayers enrolled in a high deductible health plan
  • Funds are not subject to federal income taxes at time of deposit
  • Funds rollover and accumulate year to year if not spent
  • Dividends are paid to balances over $50.00
  • Dividends are paid quarterly

Share Certificates

  • First Choice offers a certificate program that helps you get the most out of your money.
  • Dividend rates are very competative with the market & pay consistently higher rates than those of regular share (savings) accounts.
  • There is a penalty for early withdrawal. .

Individual Retirement Account (IRA) Certificates

  • Your IRA with First Choice will earn a competitive dividend rate compounded daily and paid quarterly.
  • Deposits to your IRAs can be made by payroll deduction, regular deposits, or in one single contribution.
  • Rollover and transfer IRAs are always welcome.
  • First Choice offers three IRA choices: Traditional IRA, Roth IRA, and Education IRA.
  • IRAs are insured separately to $250,000 by the National Credit Union Administration (NCUA), a federal agency.

Christmas, College and Vacation Clubs


If you like the idea of having a nest egg built up for Christmas or a vacation, then these are the accounts for you. These accounts pay dividends and there are no fees. Checks will automatically be deposited to your share (savings) account the first week of November for Chistmas or the first week of May for vacation each year, or a check may be cut if you wish. College accounts can be opened to help you save for your children's college education. There are restrictions on these accounts. Check with a member services representative for more information.

Christmas Club

  • Dividends are paid to balances over $50.00
  • Dividends are paid quarterly
  • Can deposit at any time
  • Accounts paid out the first week of Novemberr
  • Saving Money For Christmas, What a Concept!

Vacation Club

  • Dividends are paid to balances over $50.00
  • Dividends are paid quarterly
  • Can deposit funds at any time
  • Accounts paid out the last week of May
  • Go On Vacation for as little as $10 a week. Think about it, $10 x 52 weeks = $520.00!

College Club

  • Dividends are paid to balances over $50.00
  • Dividends are paid quarterly
  • Can deposit funds at any time
  • Money must stay in the account until the student graduates or turns 18 which ever occurs first
  • Start saving for your child's college expenses.


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