1st Community


3505 Wildewood Dr
San Angelo, TX 76904
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.65% 0.67% →
2-Year CD 1.00% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 $323.75 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 $323.75 million
Loans $230.38 million
Deposits $288.98 million
Capital $28.99 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 - May 8, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.06% $10,000 $14,999 Learn More

Loan Rates - May 8, 2021

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.478% 2.375% 1.00 $3,408 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$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
15.92% 5.40

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, 2020, 1st Community had $4,203,769 in non-current loans and $684,989 in owned assets. To cover these potential losses it had $28,986,050 in net worth and $1,715,920 in loans loss reserves. That gives it a Texas Ratio of 15.92%.

Net Worth
1st Community U.S. Average
8.95% 12.67%

1st Community FCU has a net worth of 8.95% versus the BestCashCow average of 12.67. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. 1st Community is insured by the NCUA.

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 $28.99 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

  • 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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