PO BOX 85310
Sioux Falls, SD 57118


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 275
Date Established 1935
Assets $20.81 million
Loans $11.59 million
Deposits $18.29 million
Capital $2.42 million

First Century is an NCUA insured institution located in Sioux Falls, SD. It was founded in 1935 and has approximately $20.81 millions in assets.

Deposit Rates - December 14, 2018

Your Current Location: Virginia, VA 20146

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Loan Rates - December 14, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FIRST CENTURY

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 399799
4.796% 4.750% 0.00 $1,451 $1,305 Learn More
Ally Bank
NMLS ID: 181005
4.701% 4.625% 0.50 $2,296 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

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

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Financial Details

First Century Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Century. 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
First Century U.S. Average
5.65% 5.78

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, 2018, First Century had $123,866 in non-current loans and $18,327 in owned assets. To cover these potential losses it had $2,417,318 in net worth and $100,509 in loans loss reserves. That gives it a Texas Ratio of 5.65%.

Net Worth
First Century U.S. Average
11.61% 13.21%

First Century FCU has a net worth of 11.61% versus the BestCashCow average of 13.21. 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 On First Century

What is First Century?

A federal credit union, registered with the NCUA under certificate #275.
Learn more about credit unions here.

Is First Century 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 First Century?

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

What are First Century's share account and share certificate rates?

First Century'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 First Century?

First Century has total capital of $2.42 million. Full information on First Century's financial position is located above.

Who owns First Century?

Credit Unions are owned by their members.

Where are First Century branches located?

See branch locations nearby.

Are First Century ATMs Open 24/7?

Do First Century ATMs accept cash deposits?

Can First Century customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Century have a mobile app?

Does First Century have mobile deposit?

Does First Century have quick pay?

How can First Century transfer money to other banks or credit unions?

Does First Century report to credit bureaus?

Does First Century use Chexsystems?

Does First Century use Equifax?

What is First Century's toll free phone number?

What is First Century's ACH Routing Number?

What is First Century's SWIFT code?

Where can I find First Century's wire transfer form?

What is the First Century address for deposits?

What Products Does First Century Offer

Does First Century offer mortgages?

Compare mortgage rates here.

Does First Century offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Century offer auto and RV loans?

Compare auto loan rates here.

Does First Century offer student loans or personal loans?

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*All images, logos and public notes on this page appear courtesy of First Century and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.