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Savings, Loans and Borrowing

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

What type of information does First Choice gather during a car loan?

June 25, 2019 by First Choice Support

A car loan from any financial institution requires certain information to be collected. First Choice is no different.

How much debt do I actually have?

June 20, 2019 by First Choice Support

Knowing what you owe and whom you owe it to is important. In this article, we look at all debts, what they are and how you can find out about them.

If I pay my car loan off early, is their a penalty?

June 16, 2019 by First Choice Support

Car loans are an important element for our members. What happens if you pay your loan off early?

What is a short sale?

June 13, 2019 by First Choice Support

Home ownership, unfortunately, is not for everyone. There are times when someone could be faced with foreclosure and short sales.

How do I actually start saving for retirement?

June 11, 2019 by First Choice Support

Saving for retirement is a serious need. How do you get started? How can you start saving for retirement simply?

How are pre-approval and pre-qualifying different?

May 30, 2019 by First Choice Support

The loan process has many steps. Pre-approval and pre-qualification are steps in the home lending process.

What is included in my mortgage payments?

May 27, 2019 by First Choice Support

Your monthly mortgage payment includes fees and taxes that are standard for many home owners. What fees and taxes can you expect in your mortgage payments?

Do I have to sign-up for automatic payments for my car loan? How do I do that?

May 14, 2019 by First Choice Support

Signing up for automatic payments for your car loan is a consideration, and something that we recommend. Find out why, and how, to do that.

What kind of savings account do I need for myself?

May 11, 2019 by First Choice Support

There are many types of accounts and savings account our First Choice members can use. But, what kind of savings account do you need?

How much can I afford for a car loan?

August 21, 2018 by First Choice Support

A car loan is a major expense. What you can and can’t afford is a very personal topic for you. We look at this issue, and a handy calculator to use.

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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

  • 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

  • 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.