FIRST COMMUNITY

17151 Chesterfield Airport Road
Chesterfield, MO 63005

Phone: 800-767-8880

Notable Rates APY Vs.Others
Savings 0.20% 2.25% →
1-Year CD 1.75% 2.25% →
2-Year CD 2.00% 2.50% →
5-Year CD 2.30% 2.80% →
30-Year Mortgage 3.76% 3.31% →
15-Year Mortgage 3.02% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

First Community is an NCUA insured institution located in Chesterfield, MO. It was founded in 1934 and has approximately $2705.33 millions in assets.

Who can join?

To qualify for membership, you must meet one of the following:

Be an employee or retiree of a company or association in our field of membership.

Live or work in a qualifying community (Communities include all of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe and St. Clair).

Be a family member (spouse, child, grandchild, sibling, parent, or grandparent).

NCUA Insured Yes
Charter Number # # 67619
Date Established 1934
Assets $2,705.33 million
Loans $1,731.95 million
Deposits $2,345.35 million
Capital $231.87 million
 

Field of Membership Restrictions

Membership in First Community Credit Union is open to those who live or work in the City of St. Louis; or the Missouri counties of Franklin, Jefferson, St. Charles, St. Louis or Warren; or the Illinois counties of Madison, Monroe, or St. Clair.

Deposit Rates - December 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.95% $1,000 $24,999 Learn MoreShow Less
Money Market
1.00% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.75% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.10% $500 - Learn MoreShow Less
12 Mo CD
1.75% $500 - Learn MoreShow Less
18 Mo CD
1.85% $500 - Learn MoreShow Less
24 Mo CD
2.00% $500 - Learn MoreShow Less
36 Mo CD
2.10% $500 - Learn MoreShow Less
48 Mo CD
2.15% $500 - Learn MoreShow Less
60 Mo CD
2.30% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $100 - Learn MoreShow Less

Loan Rates - December 16, 2019

Your Current Location: Washington, WA 98109

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.90% 2.99% $726.92
4 Year 3.75% 3.75% $561.68
5 Year 3.75% 3.75% $457.60
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Branches

Below are First 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:
Seattle,Washington


First Community Locations


Financial Details

First Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First 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
First Community U.S. Average
6.25% 5.86

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, 2019, First Community had $12,440,927 in non-current loans and $2,868,581 in owned assets. To cover these potential losses it had $231,865,056 in net worth and $12,935,977 in loans loss reserves. That gives it a Texas Ratio of 6.25%.

Net Worth
First Community U.S. Average
8.57% 13.65%

First Community FCU has a net worth of 8.57% versus the BestCashCow average of 13.65. 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 First Community

Branches and Savings

What is First Community?

A federal credit union, registered with the NCUA under certificate #67619.
Learn more about credit unions here.

Is First 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 First Community?

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

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

First 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 First Community?

First Community has total capital of $231.87 million. Full information on First Community's financial position is located above.

Who owns First Community?

Credit Unions are owned by their members.

Where are First Community branches located?

See branch locations nearby.

Are First Community ATMs Open 24/7?

Do First Community ATMs accept cash deposits?

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

Does First Community have a mobile app?

Does First Community have mobile deposit?

Does First Community have quick pay?

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

Does First Community report to credit bureaus?

Does First Community use Chexsystems?

Does First Community use Equifax?

What is First Community's toll free phone number?

What is First Community's ACH Routing Number?

What is First Community's SWIFT code?

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

What is the First Community address for deposits?

What Products Does First Community Offer

Does First Community offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First Community offer auto and RV loans?

Compare auto loan rates here.

Does First Community offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for First Community

There are currently no comments for First Community. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →