1ST COMMUNITY

P.O. BOX 167
Sparta, WI 54656

Notable Rates APY Vs.Others
Savings 0.20% 2.60% →
1-Year CD 1.97% 2.36% →
2-Year CD 2.07% 2.60% →
5-Year CD 2.48% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

1st Community is an NCUA insured institution located in Sparta, WI. It was founded in 1961 and has approximately $173.75 millions in assets.

NCUA Insured Yes
Charter Number # # 67012
Date Established 1961
Assets $173.75 million
Loans $130.04 million
Deposits $149.87 million
Capital $17.28 million
 

Field of Membership Restrictions

Membership is open to those who live or work in Monroe, La Crosse, Jackson, Trempealeau and Vernon Counties in Wisconsin.

Deposit Rates - November 13, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $1,000 $9,999 Learn MoreShow Less
Money Market
0.70% $10,000 $24,999 Learn MoreShow Less
Money Market
0.80% $25,000 $99,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.92% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.15% $1,000 - Learn MoreShow Less
12 Mo CD
1.77% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.97% $100,000 - Learn MoreShow Less
18 Mo CD
1.87% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.97% $100,000 - Learn MoreShow Less
24 Mo CD
1.97% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
2.07% $100,000 - Learn MoreShow Less
30 Mo CD
2.02% $1,000 - Learn MoreShow Less
36 Mo CD
2.17% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
2.28% $100,000 - Learn MoreShow Less
48 Mo CD
2.28% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
2.38% $100,000 - Learn MoreShow Less
60 Mo CD
2.38% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.48% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $25 - Learn MoreShow Less

Loan Rates - November 13, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for 1ST COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($88) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to 1ST COMMUNITY
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are 1st Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


1st Community Locations


Financial Details

1st Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
1st Community U.S. Average
7.14% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, 1st Community had $1,247,329 in non-current loans and $0 in owned assets. To cover these potential losses it had $17,275,633 in net worth and $201,904 in loans loss reserves. That gives it a Texas Ratio of 7.14%.

Net Worth
1st Community U.S. Average
9.94% 13.65%

1st Community FCU has a net worth of 9.94% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 1st Community

Branches and Savings

What is 1st Community?

A federal credit union, registered with the NCUA under certificate #67012.
Learn more about credit unions here.

Is 1st Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join 1st Community?

Please see Field of Membership information above for information on who is eligible to join.

What are 1st Community's share account and share certificate rates?

1st Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 1st Community?

1st Community has total capital of $17.28 million. Full information on 1st Community's financial position is located above.

Who owns 1st Community?

Credit Unions are owned by their members.

Where are 1st Community branches located?

See branch locations nearby.

Are 1st Community ATMs Open 24/7?

Do 1st Community ATMs accept cash deposits?

Can 1st Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 1st Community have a mobile app?

Does 1st Community have mobile deposit?

Does 1st Community have quick pay?

How can 1st Community transfer money to other banks or credit unions?

Does 1st Community report to credit bureaus?

Does 1st Community use Chexsystems?

Does 1st Community use Equifax?

What is 1st Community's toll free phone number?

What is 1st Community's ACH Routing Number?

What is 1st Community's SWIFT code?

Where can I find 1st Community's wire transfer form?

What is the 1st Community address for deposits?

What Products Does 1st Community Offer

Does 1st Community offer mortgages?

Compare mortgage rates here.

Does 1st Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Community offer auto and RV loans?

Compare auto loan rates here.

Does 1st Community offer student loans or personal loans?

Compare personal loan rates here.

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