Wentzville, MO 63385

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.80% 1.90% →
2-Year CD 1.00% 1.95% →
5-Year CD 1.40% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

1st Financial is an NCUA insured institution located in Wentzville, MO. It was founded in 1968 and has approximately $251.62 millions in assets.

Who Qualifies to Join 1st Financial?

To become a member of 1st Financial Federal Credit Union you must live, work, worship, attend school, or regularly conduct business in* the following geographic areas:

City of St. Louis
St. Louis County
St. Charles County

Other qualifications include:
Immediate family of current credit union members
Spouses of persons who died while within the field of membership of 1st Financial
Employees of 1st Financial and retired employees
Volunteers of 1st Financial

NCUA Insured Yes
Charter Number # # 24774
Date Established 1968
Assets $251.62 million
Loans $219.70 million
Deposits $223.12 million
Capital $23.65 million

Field of Membership Restrictions

Membership is open to those who live, worship, attend school, work, or regularly do business in the City of St. Louis, St. Louis County, or St. Charles County.

Deposit Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.05% $2,500 $4,999 Learn MoreShow Less
Money Market
0.05% $10,000 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.55% $1,000 - Learn MoreShow Less
Fixed IRA
0.80% $1,000 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1ST FINANCIAL

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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


Below are 1st Financial 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 Financial Locations

Financial Details

1st Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Financial. 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 Financial U.S. Average
19.83% 5.92

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 September 30, 2019, 1st Financial had $5,352,615 in non-current loans and $215,334 in owned assets. To cover these potential losses it had $23,649,749 in net worth and $4,435,465 in loans loss reserves. That gives it a Texas Ratio of 19.83%.

Net Worth
1st Financial U.S. Average
9.39% 13.86%

1st Financial FCU has a net worth of 9.39% versus the BestCashCow average of 13.86. 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 Financial

Branches and Savings

What is 1st Financial?

A federal credit union, registered with the NCUA under certificate #24774.
Learn more about credit unions here.

Is 1st Financial 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 Financial?

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

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

1st Financial'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 Financial?

1st Financial has total capital of $23.65 million. Full information on 1st Financial's financial position is located above.

Who owns 1st Financial?

Credit Unions are owned by their members.

Where are 1st Financial branches located?

See branch locations nearby.

Are 1st Financial ATMs Open 24/7?

Do 1st Financial ATMs accept cash deposits?

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

Does 1st Financial have a mobile app?

Does 1st Financial have mobile deposit?

Does 1st Financial have quick pay?

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

Does 1st Financial report to credit bureaus?

Does 1st Financial use Chexsystems?

Does 1st Financial use Equifax?

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

What is 1st Financial's ACH Routing Number?

What is 1st Financial's SWIFT code?

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

What is the 1st Financial address for deposits?

What Products Does 1st Financial Offer

Does 1st Financial offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does 1st Financial offer auto and RV loans?

Compare auto loan rates here.

Does 1st Financial offer student loans or personal loans?

Compare personal loan rates here.

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