First Community Credit Union
Headquarters
17151 Chesterfield Airport Road
Chesterfield, MO 63005
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Phone 800-767-8880
2024 Overview
General Credit Union Information
First Community is an NCUA insured institution located in Chesterfield, MO. It was founded in 1934 and has approximately $4162.42 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 / State-Chartered |
| Charter Number # | # 67619 |
| Date Established | 1934 |
| Assets | $4,162.42 million |
| Loans | $2,947.44 million |
| Deposits | $3,533.93 million |
| Capital | $342.13 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 - April 26, 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
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
9.24% | 9.24% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 4.49% | 4.49% | $743.56 | |
| 4 Year | 5.49% | 5.49% | $581.30 | |
| 5 Year | 5.49% | 5.49% | $477.41 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.00% | 5.64% | $1,844.93 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.91% | 6.86% | $2,098.97 | |
| 10 Year Fixed Conforming See Amortization Table |
6.30% | 4.07% | $3,250.35 | |
| 15 Year Fixed Jumbo See Amortization Table |
5.26% | 5.25% | $2,572.41 | |
| 15 Year Fixed Conforming See Amortization Table |
7.29% | 6.43% | $2,774.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.15% | 6.67% | $2,417.21 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.26% | 6.25% | $1,970.30 | |
| 30 Year Fixed Conforming See Amortization Table |
7.52% | 7.03% | $2,135.85 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.00% | 5.64% | $1,844.93 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.91% | 6.86% | $2,098.97 | |
| 10 Year Fixed Conforming See Amortization Table |
6.30% | 4.07% | $3,250.35 | |
| 15 Year Fixed Jumbo See Amortization Table |
5.26% | 5.25% | $2,572.41 | |
| 15 Year Fixed Conforming See Amortization Table |
7.29% | 6.43% | $2,774.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.15% | 6.67% | $2,417.21 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.26% | 6.25% | $1,970.30 | |
Compare with 7.004% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.52% | 7.03% | $2,135.85 | |
|
Compare with 7.004% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and Initiatives
FIRST 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
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 |
|---|---|
| 7.22% | 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, First Community had $24,285,596 in non-current loans and $1,803,135 in owned assets. To cover these potential losses it had $342,125,903 in net worth and $19,119,298 in loans loss reserves. That gives it a Texas Ratio of 7.22%.
Net Worth
| First Community | U.S. Average |
|---|---|
| 8.22% | 13.62% |
First Community FCU has a net worth of 8.22% 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 First Community
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