First Choice America’s “People Helping People” scholarship applications are available online by clicking on the following link: People Helping People Scholarship Application. The scholarships are for $1,000 each. Applications must be turned in by March 1, 2027. Qualified applicants must be a high school senior, high school graduate, or equivalent and do not have to be a first-year student. Applicants may attend any accredited college, university, or trade school. The applicant must be a member of First Choice America Community Federal Credit Union. Complete guidelines accompany the application.
2026 Pink October
As we have done for the past eleven years, our offices will be donned in pink decor in the month of October. During this time, we will be selling ribbons/logos to raise money for Breast Cancer charities. Our staff will also be donating money to dress down during select days in October.
First Choice America cares about the communities we serve. We are proud to announce that over the past eleven years we have raised over $83,000 to assist worthy charities in the battle against breast cancer.
Great Mortgage Rates
So you’ve done your due diligence and after looking at more homes than you can count, you’ve found the one you love. What’s next? For members of First Choice America, it’s simple. Meet with one of our Mortgage Loan Originators and we will start the process of savings for you!
Our lending area includes Hancock, Brooke, Ohio, and Marshall Counties in West Virginia, Jefferson, Columbiana, Belmont, and Harrison Counties in Ohio, and Allegheny, Beaver, and Washington Counties in Pennsylvania.
Membership eligibility is required. Please refer to Member Information. For more membership information click on the following link: Membership
NMLS# 411557 Please click on the link for a list of our Mortgage Loan Originators and Nationwide Mortgage Licensing System (NMLS) IDs: Mortgage Loan Originators
Fixed Rate Loans
| Rate | 4.625% | 5.125% | 4.875% | 5.375% | 5.125% | 5.625% | 5.375% | 5.875% |
| Term | 10 Years | 10 Years | 15 Years | 15 Years | 20 Years | 20 Years | 30 Years | 30 Years |
| Points | 2 | 0 | 2 | 0 | 2 | 0 | 2 | 0 |
| Down Payment | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% |
| Monthly Payment* | $583.76 | $597.40 | $439.21 | $453.87 | $373.46 | $389.19 | $313.59 | $331.27 |
| Annual Percentage Rate* | 5.069% | 5.132% | 5.187% | 5.380% | 5.373% | 5.629% | 5.560% | 5.878% |
* The above monthly payments and APRs are based on a purchase price of $70,000.00, a 20% down payment of $14,000.00, and a loan amount of $56,000.00. Stated rates are subject to change at any time. Property insurance required. Payments do not include amounts for taxes and insurance.
Other Fixed and Adjustable rates, terms and points are available
Up to 95% financing available to qualified borrowers for both fixed and adjustable rate first mortgage loans. Private mortgage insurance is required on all first mortgage loans with greater than 80% financing. Private mortgage insurance premiums will increase the stated APR and monthly payment amount.
**Add .375 to any above stated rate for loan amounts greater than $525,000.00
Up to 80% financing is available for new home construction at the rates, terms, and points stated above.
Rates are effective February 13, 2026
Rates Subject to Change Daily
* The above monthly payments and APRs are based on a purchase price of $70,000.00, a 20% down payment of $14,000.00, and a loan amount of $56,000.00. Stated rates are subject to change at any time. Property insurance required. Payments do not include amounts for taxes and insurance.
Switch and Save
Switch and Save at First Choice America just got better! Now when you finance your vehicle loan with First Choice America you will get $250 cash back! We strive to give our members better value for their money with our great low rates, affordable terms, no application fees and now $250 back in their pockets!
*All loans subject to credit approval. $250 cash applies only to approved vehicle and motorcycle loans. Terms and rates not available for purchase or refinance of commercial use vehicles. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. $250 cash may be subject to income tax and reimbursement if the loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change without notice. Federally insured by NCUA. Membership eligibility required.
