1st Community Federal Credit Union
Headquarters
3505 Wildewood Dr
San Angelo, TX 76904
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2024 Overview
General Credit Union Information
1st Community is an NCUA insured institution located in San Angelo, TX. It was founded in 1953 and has approximately $382.43 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.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 8715 |
| Date Established | 1953 |
| Assets | $382.43 million |
| Loans | $284.02 million |
| Deposits | $327.25 million |
| Capital | $50.32 million |
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 - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.06% | $10,000 | $14,999 |
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|
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 1907 |
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NMLS ID: Not a Lender |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to 1st Community
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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:
Columbus,Ohio
Climate Policy and Initiatives
1ST COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 12.55% | 6.97 |
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 December 31, 2023, 1st Community had $5,768,588 in non-current loans and $905,867 in owned assets. To cover these potential losses it had $50,324,694 in net worth and $2,839,744 in loans loss reserves. That gives it a Texas Ratio of 12.55%.
Net Worth
| 1st Community | U.S. Average |
|---|---|
| 13.05% | 13.62% |
1st Community FCU has a net worth of 13.05% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 1st Community
Dana Wadge
June 9, 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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