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1st Financial Federal Credit Union

1st Financial Federal Credit Union Locations
1232 Wentzville Parkway
Wentzville, MO 63385
(636) 916-8300
www.1stfinancialfcu.org

NCUA

1st Financial Federal Credit Union is headquartered in Wentzville and is the 11st largest credit union in the state of Missouri. It is also the 896th largest credit union in the nation. It was established in 1968 and as of March of 2013, it had grown to 69 employees and 34,536 members. 1st Financial Federal Credit Union has a 3-star health rating.

Related Posts

1st Financial FCU Cuts Rate on High Yield Reward Checking (4581) (Forum) - 5/8/2011

Effective 5/1/11, the APY on the High Yield Reward Checking accounts at 1st Financial FCU dropped from 2.00% to 1.25%.

1st Financial FCU Cuts Rate on High Yield Reward Checking (Forum) - 3/17/2011

Effective 4/1/11, the APY on the High Yield Reward Checking accounts at 1st Financial FCU drops from 2.61% to 2.00%.

2.26% 12-Month CD at 1st Financial FCU in Missouri - Local Only - 12/30/2009

Update 1/09/2010: The 12-month CD rate has fallen to 2.11% APY.1st Financial FCU is offering a 2.26% APY 12-month and 18-month certificate. Minimum deposit is $1,000. These are also available as IRA certificates. This rate is listed in the credit union's...

High-Yield Reward Checking Account at 1st Financial FCU in Missouri - 3/24/2009

Update 10/04/09: The top rate has fallen to 4.01% APY.1st Financial FCU is offering a Free High Yield Rewards Checking account. The account offers the following features if certain monthly requirements are met:4.01% APY on balances up to $25,0001.00%...

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See Rates for: Checking | Savings | Money Market | CD | IRA

1st Financial Federal Credit Union Checking Account Rates

ApyMinMaxProduct
0.25%--TailorMade Checking
0.05%--Checking Plus
0.05%$2,500-Business Interest Checking

1st Financial Federal Credit Union Savings Account Rates

ApyMinMaxProduct
0.05%--Basic Savings
0.05%--Business Basic Savings
0.05%--Secondary Savings
0.05%--Vacation Club
0.05%--CUbby Kids Club
0.05%--StepOne Youth Account
0.05%--Financial Partners Club

1st Financial Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.25%$100k-Business Money Market Account
0.15%$100k-Money Market Account

1st Financial Federal Credit Union CD Rates

ApyMinMaxProduct
1.27%$1k$100k48 Month Promo CD
0.75%$2k-60 Month CD
0.65%$2k-48 Month CD
0.55%$2k-36 Month CD
0.45%$1k-24 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

1st Financial Federal Credit Union IRA Rates

ApyMinMaxProduct
1.27%$1k$100k48 Month Promo IRA
1.27%$1k$100k48 Month Promo Roth IRA
1.27%$1k$100k48 Month Promo CESA
0.75%$2k-60 Month IRA
0.75%$2k-60 Month CESA
0.75%$2k-60 Month Roth IRA
0.65%$2k-48 Month IRA
0.65%$2k-48 Month CESA
0.65%$2k-48 Month Roth IRA
0.55%$2k-36 Month IRA
0.55%$2k-36 Month CESA
0.55%$2k-36 Month Roth IRA
0.45%$1k-24 Month IRA
0.45%$1k-24 Month CESA
0.45%$1k-24 Month Roth IRA
0.35%$1k-18 Month IRA
0.35%$1k-18 Month CESA
0.35%$1k-18 Month Roth IRA
0.25%$1k-12 Month IRA
0.25%$1k-12 Month CESA
0.25%$1k-12 Month Roth IRA
0.15%$1k-6 Month IRA
0.15%$1k-6 Month CESA
0.15%$1k-6 Month Roth IRA
0.10%$1k-3 Month IRA
0.10%$1k-3 Month CESA
0.10%$1k-3 Month Roth IRA

Rates updated: 6/19/2013

Data for Q1 2013


Institution Statistics


1ST FINANCIAL
NCUA #24774
BankRate ReportView
Year Chartered1968
Employees69
Primary Regulator

Assets and Liabilities

Assets$205.29 million
Loans$161.04 million
Deposits$189.50 million
Equity Capital$14.65 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$2.55 million
Real Estate Owned$2.42 million

Historic Data - March 2012

Assets$226.98 million
Equity Capital$15.91 million
Loan Loss Allowance$1.95 million
Unbacked Noncurrent Loans$7.28 million
Real Estate Owned$513,000

Profit Margin - Quarterly

Net Interest Margin1.23%
Return on Assets0.21%
Return on Equity2.92%
Interest Income$2.28 million
Non-Interest Income$1.06 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 1st Financial Federal Credit Union had $4.97 million in non-current loans and owned real-estate with $17.21 million in equity and loan loss allowances on hand to cover it. This gives 1st Financial Federal Credit Union a Texas Ratio of 28.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for 1st Financial Federal Credit Union decreased slightly from 43.65% as of March 31, 2012 to 28.91% as of March 31, 2013, resulting in a positive change of 33.78%.This indicates that the balance sheet and financial strength for 1st Financial Federal Credit Union has improved slightly in recent periods.
Deposit Growth1
In the past year, 1st Financial Federal Credit Union has decreased its total deposits by -$20.94 million, resulting in -9.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Financial Federal Credit Union has shown is poor.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Financial Federal Credit Union has $205.29 million in assets with $17.21 million in equity, resulting in a capitalization level of 8.38%, which is average.
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Special CD 36 Months 1.25 APY
4 stars - djc314 - Wednesday, May 1, 2013 - 9:20 AM

Just got an email limited time may be withdrawn at any time. $1,000 min-$10,0000 max.  If already a member this is for new deposits only

2
 
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