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Questions and Answers

Do you have questions? Are you wondering about savings accounts? Kids and money? Maybe even why credit cards and debit cards are just so different? We look at those questions, and a lot more. Proceed with caution though – after you read through everything, you might just become a money master with your accounts!

How is interest actually calculated on credit cards?

November 29, 2021 by First Choice Support

Interest on credit cards is a math-heavy topic. However, we can make things a bit more simple. Whether you just want to know APR, rates or what you spend in interest, we’re going to show you today.

What does APR mean when someone talks about credit cards?

November 26, 2021 by First Choice Support

When it comes to credit cards, there are a lot of different things to consider. One is the APR. What is an APR? How does it correspond to credit cards?

Why is it important to use short-terms savings, long-term savings and daily spending accounts?

November 23, 2021 by First Choice Support

Having short-term, long-term and daily spending accounts are needed for full financial and money health. Multiple savings accounts and checking accounts and more are covered.

What’s the difference between short-term and long-term savings?

November 21, 2021 by First Choice Support

Savings accounts come in a few forms: specifically, short-term savings and long-term savings. Each savings account is used for a different goal.

I’ve budgeted and cut down on my spending, but it’s still not enough – now what?

November 19, 2021 by First Choice Support

Have you budgeted, cut down on expenses and focused on your money, but are you still not getting ahead? This article is for you!

Why is an emergency fund important for your overall money health?

November 15, 2021 by First Choice Support

Your money health is important. Having an emergency fund means having solid planning and awareness of “what can happen, will”.

What are good reasons to have an emergency fund?

November 13, 2021 by First Choice Support

An emergency fund is a simple savings account devoted to a specific emergency – medical expenses, car repair, home repair, etc.

How much should I have in my emergency fund?

November 10, 2021 by First Choice Support

An emergency fund is a simple savings account devoted to a specific emergency – car repair, medical emergency, home repair, etc. Do you have one?

When is the one time focusing on saving and retirement shouldn’t be a first concern?

November 7, 2021 by First Choice Support

Focusing on savings and retirement is a smart move. However, there is a time where this might not be in your best interest.

How soon should I start saving for retirement?

November 5, 2021 by First Choice Support

Retirement should be a smooth, comfortable and enjoyable time in our lives. But, without planning and saving, it might not be.

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Who we are…

Originally chartered in 1952, First Choice has called Lawrence County its home for over 65 years! We are your neighbors, co-workers, volunteers, students and congregation. This website was created to give back to the community, by showcasing free information for all of your needs.

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Why did we create this website?

For you! The family at First Choice wanted to build a central location that our community could get answers to their financial questions and needs. We wanted to create guides, articles, downloads, checklists, tutorials and more. By giving you the best strategies and tips to get more for your money, we hope to make our community much, much better.

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Recent articles

  • Fall 2022 Newsletter – First Choice Federal Credit Union of New Castle PA October 4, 2022
  • Summer 2022 Newsletter – First Choice Federal Credit Union of New Castle PA July 1, 2022
  • Spring 2022 – First Choice Federal Credit Union Newsletter April 4, 2022
  • WINTER 2022 – FIRST CHOICE FEDERAL CREDIT UNION NEWSLETTER January 2, 2022
  • How is interest actually calculated on credit cards? November 29, 2021

Contact First Choice


  • Main branch - 2209 West State Street

    (724)652-8393

  • Neshannock Office - 2810 Wilmington Road

    (724) 652-8070

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    (724) 656-3595
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Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 724-652-8393 for assistance. Products and services available on this website are available at our office located at 2209 W State Street – New Castle, PA 16101.