Borrow




1st Choice Savings provides excellent borrowing opportunities. Our team of financial experts will help guide your financial future and ensure that you are making the correct borrowing decisions. 

Credit Cards Expand/Collapse

1st Choice Savings is now offering a new suite of Mastercard and Visa credit card products! Our new personal and business card products offer a wide range of benefits to meet all your changing needs. From earning cash back to amazing travel and merchandise rewards, we'll help you find a card that works for you!

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11 New Card Products 

Choose from 8 personal cards and 3 business card products!

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Rewards

Redeem points for a variety of rewards such as travel, merchandise, events, or simply credit on your statement!

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Security 

All cards are equipped with 24/7 fraud monitoring. This includes a free sign up for fraud test alerts that get sent directly to your mobile phone. 

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Insurance

Cards include robust insurance benefits such as auto rental collision, emergency health care, trip cancellation, mobile device insurance and more! 

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Easy Payments

To check your balance, see transactions and make payments, simply visit MyCardInfo and sign in with your credentials! 


Mortgages Expand/Collapse

We believe owning a home is a powerful way for you to create value over your lifetime. And our 1st Choice Savings mortgage products reflect that belief. You'll find competitive rates, flexible terms and a variety of convenient payment options. We can help you determine how much you can afford, what your payments will be and even how to manage the down payment.

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Residential Mortgages

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Revenue / Investment Property Mortgage

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Understanding Mortgages

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Mortgage Calculator

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Home Equity Loans Expand/Collapse

Reap the rewards of your largest investment by taking advantage of the equity you've established. 1st Choice Savings offers the key to turning your home's value into the resources you need today, with lower interest rates and flexible terms. Whether you need to consolidate your debts, buy a car or improve your home, we’ll help you find the loan that’s right for you.

A home equity loan is a personal loan where the equity of your home is used as collateral.


Many people chose this option when undergoing larger home renovations, acquiring a second property, emergency expenses, or other large purchase.

We offer flexible terms to suit your needs and select from a range of payment options. You even have the option to make additional payments or even pay off your loan in full – without penalty!

Payment Options:

  • Weekly
  • Bi-weekly
  • Monthly
  • Bi-monthly 
Current Loan Rates:

See here for information on current loan rates.



Home Equity Lines of Credit Expand/Collapse

Need to consolidate your credit card balances or other loans? Looking to make those much needed home improvements? With a Home Equity Line of Credit from 1st Choice Savings, it can be a simple and smart to make your home equity work for you.

Features of a Home Equity LOC

  • One-time application.
  • Readily available access to funds when you need it, instead of waiting for approval.
  • Interest paid only on funds used.
  • Provides you flexibility for ongoing need, unexpected needs, emergency costs or other personal use.
  • Provides protection from overdraft (to a certain amount) due to inadequate funds.
  • Secured with an asset so that you can borrow a larger amount with a lower interest rate.

Personal Loans Expand/Collapse

Home repairs, unexpected bills, or a new automobile ... whatever the reason, a personal loan from 1st Choice Savings can make it possible! We offer a variety of secured and unsecured loan products to meet your borrowing needs and get you what you need.

Features & Options

Everyone has different needs, and that’s why we believe loans should be personal.  Whether it’s home renovations, buying a car, or even going back to school, we want to help you with your financial needs.  

Let our dedicated staff meet with you to discuss your goals and process your application quickly.

Personal Loan Features:

  • Flexible Terms.
  • Competitive interest rates.
  • Skip a payment option (conditions apply).
  • Payout any time with no prepayment penalties.
  • Quick approval.                             

Options:

Personalize your personal loans with the following options:

    1. Personalized payment schedule.
    2. Interest rate options (fixed or variable).
    3. Secured or unsecured.

Personal Lines of Credit Expand/Collapse

A Personal Line of Credit from 1st Choice Savings provides the flexibility of a revolving credit line to pay for purchases or other personal expenses. Take an advance whenever you need cash quickly and only pay interest on the amount you use.

Features of a Personal LOC

  • One-time application.
  • Readily available access to funds when you need it, instead of waiting for approval.
  • Interest paid only on funds used.
  • Provides you flexibility for ongoing need, unexpected needs, emergency costs or other personal use.
  • Provides protection from overdraft (to a certain amount) due to inadequate funds.

Student Lines of Credit Expand/Collapse

1st Choice Savings offers qualified students a line of credit that provides the flexibility to use only the funds you need, when you need them to pay for tuition, books, living expenses, and other education-related expenses.


Credit Report Expand/Collapse

A good credit rating is one of the most important building blocks in anyone's financial situation.


 

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