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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!

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.

What are closing costs, and who pays them?

November 8, 2019 by First Choice Support

When buying or selling a home, there are many costs. One of which are the closing costs on a home. Today we look at mortgages and costs for home buying.

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.

Do I need budgeting software, or can I do a budget for free?

November 1, 2019 by First Choice Support

Creating and adhering to a budget is an important process inkeeping your financial health in good shape. Do you need software? Can you do it for free?

My spouse died with a ton of debt…what do I do?

October 28, 2019 by First Choice Support

Debt is a complicated issue when it comes to marriage. When your spouse dies, their debt does not necessarily become yours. Here is how to tell…

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…

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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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  • 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
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  • 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.