San Angelo, TX 76904


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 8715
Date Established 1953
Assets $265.94 million
Loans $198.59 million
Deposits $235.55 million
Capital $24.71 million

1st Community is an NCUA insured institution located in San Angelo, TX. It was founded in 1953 and has approximately $265.94 millions in assets.

Who can join?

All persons who live, work, worship, or attend school in, Tom Green, Schleicher, Runnels, Pecos, Brewster, Coke, Concho, Crockett, Irion, Kimble, Mason, McCulloch, Menard, Reagan, Sterling, and Sutton counties of Texas and members of their immediate families are eligible for membership in 1st Community Federal Credit Union. Businesses, organizations, and other legal entities located in these same counties are also eligible for membership.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, Tom Green, Schleicher, Runnels, Pecos, Brewster, Coke, Concho, Crockett, Irion, Kimble, Mason, McCulloch, Menard, Reagan, Sterling, and Sutton counties of Texas. Membership is also open to immediate family and businesses in the area.

Deposit Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.30% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.40% $25,000 - Learn MoreShow Less
Fixed IRA
1.00% $25 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.75% $1,000 $99,999 Learn MoreShow Less
1.00% $1,000 $99,999 Learn MoreShow Less
1.26% $1,000 $99,999 Learn MoreShow Less
1.31% $1,000 $99,999 Learn MoreShow Less

Loan Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.522% 3.500% 0.25 $675 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

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


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:

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
11.05% 6.77

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 March 31, 2019, 1st Community had $2,601,567 in non-current loans and $219,337 in owned assets. To cover these potential losses it had $24,711,109 in net worth and $820,404 in loans loss reserves. That gives it a Texas Ratio of 11.05%.

Net Worth
1st Community U.S. Average
9.29% 13.47%

1st Community FCU has a net worth of 9.29% versus the BestCashCow average of 13.47. 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 #8715.
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 $24.71 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.

Customer Reviews for 1st Community

  • Dana Wadge

    June 09, 2016

    I have been a member of 1st Community Federal Credit Union since 1977 and no matter where I am stationed or what state or country I'm in I know that I can call them for help. I started my savings account when I was stationed at Goodfellow AFB in San Angelo Texas going to Cryptology School & continue to get great service. While many Banks & Credit Unions are closings branches and relying on the Internet for services this Credit Union is opening more! They serve west Texas citizens when no one else will. Its tough living but its damn good! Keep it UP!

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