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Your Choice Credit Union Share
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Overview Share
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Your Choice Credit Union is a federal credit union based in Altoona, Pennsylvania. It has been opened since 1957, for 65 years.

With around $10,200,000 in assets, Your Choice Credit Union is considered to be a medium size credit union.

About Share
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Address 109 Keystone Street
Altoona, Pennsylvania 16602
Website http://www.yourchoicefcu.com
Phone (814) 946-1294
Fax (814) 946-4084
CEO Autumn M. Petta
President of the Board Bobbie Walter
Services Offered
Score Card Share
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65 years
Years in business
Opened in 1957
Well Capitalized
Net worth classification
Source: NCUA
1,643 members
Membership type: Multiple common bond – primary communications and utilities
Below average number of members
365:1
Credit union member to staff ratio
365 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$10,195,125
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
Your Choice Credit Union Branch Locations

Your Choice Credit Union: Main Office
109 Keystone Street
Altoona, Pennsylvania 16602
No ATM
Your Choice Credit Union: Compusource
110 John Muir Drive
Amherst, New York 14228
No ATM
Members Share
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1,643 members
Membership type: Multiple common bond – primary communications and utilities
Below average number of members

With 1,643 members, the Your Choice Credit Union is considered to be a small credit union. It is smaller than 70% of credit unions.

Fees Share
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$112
Average fee per member
The average fee per member at the Your Choice Credit Union is $112, which is very high compared to most credit unions. This rate is higher than 89% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Your Choice Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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365:1
Credit union member to staff ratio
365 per each FTE employee
Compared to 411:1 nationally
Average number of staff
4 staff members
FTE (full-time equivalent)
20% of employees are part-time
4 full-time, 1 part-time

Your Choice Credit Union has 4 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 80% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Your Choice Credit Union has around 365 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$10,195,125
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$5,512
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 88% of credit unions.

Your Choice Credit Union holds a total of $3,450,000 in loans and leases, which is about $5,512 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Your Choice Credit Union pays 0.10%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.49%
New car loan rate
Compared to 4.0% nationally
3.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Your Choice Credit Union: Main Office
Credit Union Branch: 109 Keystone Street
Altoona, Pennsylvania 16602 No ATM
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Your Choice Credit Union: Compusource
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