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Savings, Loans and Borrowing

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

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.

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…

I am about to help my child start building their credit with a credit card and a car loan – is this right or wrong?

October 2, 2019 by First Choice Support

Helping your child develop into a financially stable adult can be difficult. Is a good idea to help them with credit cards and a loan, or no?

What types of mortgage loans are available?

September 29, 2019 by First Choice Support

What are the various types of mortgage and home loans available to you? Which is best for your needs in Lawrence County?

My wife’s a saver, I use credit cards. How can we align our financial goals?

September 23, 2019 by First Choice Support

So your wife is a saver, and you only use credit cards. You do not have debt, but you want your financial goals to align better? There is one thing that works every time.

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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

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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.