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Debt

How do you determine your net worth?

March 14, 2023 by First Choice Support

Determining your net worth gives you a great example of where your money health is at, and the path you need to go to meet your financial goals.

Will checking my credit score hurt my credit?

March 13, 2023 by First Choice Support

Checking your credit history shouldn’t hurt your credit score, right? Well, this is not always the case. Sometimes it can hurt your credit score and more.

How much is allowed for spending when it comes to “fun stuff”?

October 28, 2021 by First Choice Support

Fun stuff should not be avoided. When you are budgeting and watching what you spend, the fun stuff can keep you sane. Today, we’ll look at the fun stuff, how much is too much, and how much fun stuff you can really enjoy each month.

How much debt is “too much debt”?

October 27, 2021 by First Choice Support

Debt is neither a good thing nor a bad thing. The type of debt and how it is used is either good or bad. Today, we want to help you make that distinction, and to know how much is too much debt.

Is it a good idea to give yourself an allowance when building a personal budget?

October 26, 2021 by First Choice Support

Personal budgeting structures your spending each month. But, is it a good idea to give yourself an allowance in that budget? Today we look at the topic and give advice for this advanced budgeting tip.

When budgeting, what is the 50/20/30 method?

October 23, 2021 by First Choice Support

Budgeting is a large topic to talk about. There are many methods of budgeting, but one is the 50/20/30 budgeting method. Today, we’ll look at what it is, if it’s right for you, and how for you to use it.

What’s the easiest method of paying down a credit card?

October 22, 2021 by First Choice Support

There are many ways you can pay off your debts, specifically your credit card debt. Today we’ll look at what some people feel is the ‘easiest’ method to doing this.

Is it bad if I don’t pay off my credit cards each month?

October 20, 2021 by First Choice Support

Credit card debt is a frustrating subject. The most important thing that you can do for yourself is use it, and pay it off. But, should you pay everything off each month?

Can my spouse’s spotty credit history reflect back (poorly) on me?

November 21, 2019 by First Choice Support

Credit and credit history is important. When you get married there are a few things that you should know about credit, debt and credit scores.

When is ok to finance a purchase through credit, or more debt?

November 6, 2019 by First Choice Support

All debt might seem bad. But there are situations that arise when getting a loan or a line of credit, while making debt, also might be for the best.

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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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Recent articles

  • Spring 2023 Newsletter – First Choice Federal Credit Union of New Castle PA April 1, 2023
  • What is the easiest way to track my savings and budgeting goals? March 16, 2023
  • How do you determine your net worth? March 14, 2023
  • Will checking my credit score hurt my credit? March 13, 2023
  • How do I know if I’m financially ready to buy a new car? March 11, 2023

Contact First Choice


  • Main branch - 2209 West State Street

    (724)652-8393

  • Neshannock Office - 2810 Wilmington Road

    (724) 652-8070

  • New Castle Office - 1144 Butler Avenue

    (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.