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Savings, Loans and Borrowing

Questions and answers about loans, borrowing, lines of credit and more.

What is earnest money, when it comes to mortgages?

January 4, 2020 by First Choice Support

When you buy a home or sell your home, there is a lot to consider. One thing involving home loans and mortgages is earnest money. What is it?

What types of loans do you offer?

December 9, 2019 by First Choice Support

First Choice FCU of New Castle PA has created an evolving list of loans and loan services to better serve our membership.

What are the current rates for a car loan?

November 11, 2019 by First Choice Support

Car loans boil down to three required amounts – time, amount and interest rate. First Choice FCU has some of the lowest rates around New Castle PA.

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.

How do you determine your net worth?

November 4, 2019 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.

What is a good faith estimate, and how does it help me?

October 25, 2019 by First Choice Support

A good faith estimate (GFE) is a document that includes a full breakdown of all fees and costs. We look at these fees and what they mean to you

What is a good short-term investment for me to make?

October 22, 2019 by First Choice Support

Short-term investments are rarely safe, in the traditional definition. However, there are a few short-term investing options that you can use!

Should I consolidate all of my debt?

October 18, 2019 by First Choice Support

Debt consolidation is a method of taking all debt and paying it off, moving it into a new loan. This has many benefits for your credit and for your wallet.

Should I refinance my student loans?

October 15, 2019 by First Choice Support

Refinancing loans is always a consideration. However, when it comes to student loans, refinancing might not be your best course of action. Here is why…

What is the easiest way to track my savings and budgeting goals?

October 5, 2019 by First Choice Support

Tacking your savings and budgeting goals can offer a lot of solutions. However, sometimes its good to start with the basics – paper and pen. We look at ways to track them adn more.

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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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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

  • Winter 2021 – First Choice Federal Credit Union Quarterly Newsletter January 8, 2021
  • Avoid Getting Scammed Out Of Your Money In New Castle PA December 7, 2020
  • Fall 2020 – First Choice Federal Credit Union of New Castle PA Newsletter October 19, 2020
  • Why is my credit score so different in different places? September 1, 2020
  • Summer 2020 – First Choice Federal Credit Union Newsletter July 1, 2020

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.