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636-916-8300
1232 Wentzville Pkwy
Wentzville, MO 63385

1st Financial Federal Credit Union is headquartered in Wentzville and is the 12st largest credit union in the state of Missouri. It is also the 934th largest credit union in the nation. It was established in 1968 and as of December of 2013, it had grown to 72 employees and 33,677 members. 1st Financial Federal Credit Union has a B health rating.

Field of Membership Restrictions

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 and 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. - See Details

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Special CD 36 Months 1.25 APY

Just got an email limited time may be withdrawn at any time.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



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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 December 31, 2013 1st Financial Federal Credit Union had $3.34 million in non-current loans and owned real-estate with $16.81 million in equity and loan loss allowances on hand to cover it. This gives 1st Financial Federal Credit Union a Texas Ratio of 19.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for 1st Financial Federal Credit Union decreased dramatically from 34.07% as of December 31, 2012 to 19.88% as of December 31, 2013, resulting in a positive change of 41.63%.This indicates that the balance sheet and financial strength for 1st Financial Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, 1st Financial Federal Credit Union has decreased its total deposits by -$6.51 million, resulting in -3.54% 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 below average.

Capitalization

GRADE:
C

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 $194.75 million in assets with $16.81 million in equity, resulting in a capitalization level of 8.63%, which is average.

Institution Statistics

Overall
NCUA #24774
Year Chartered1968
Employees72
Primary Regulator
Assets and Liabilities
Assets$194.75 million
Loans$161.92 million
Deposits$177.69 million
Equity Capital$13.84 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$1.58 million
Real Estate Owned$1.76 million
Historic Data - December 2012
Assets$199.79 million
Equity Capital$14.58 million
Loan Loss Allowance$2.49 million
Unbacked Noncurrent Loans$1.58 million
Real Estate Owned$2.54 million
Profit Margin - Quarterly
Net Interest Margin4.85%
Return on Assets-0.2%
Return on Equity-2.78%
Interest Income$8.97 million
Rates

Always verify rates and promotions with the bank or credit union. We are not 1st Financial Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

1st Financial Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

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

1st Financial Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--TailorMade Checking
0.05%--Checking Plus
0.05%$2,500-Business Interest Checking

1st Financial Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.09%$2k-39 Month CD
0.76%$1k-25 Month CD
0.75%$2k-60 Month CD
0.65%$2k-48 Month CD
0.55%$2k-36 Month CD
0.51%$1k-18 Month CD
0.45%$1k-24 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

DetailsAPYMINMAXPRODUCT
1.09%$1k-25 Month Roth IRA
0.76%$1k-3 Month IRA (Traditional,CESA,Roth)
0.65%$2k-60 Month IRA (Traditional,CESA,Roth)
0.55%$2k-48 Month IRA (Traditional,CESA,Roth)
0.51%$1k-24 Month IRA (Traditional,CESA,Roth)
0.45%$2k-36 Month IRA (Traditional,CESA,Roth)
0.25%$1k-18 Month IRA (Traditional,CESA,Roth)
0.15%$1k-12 Month IRA (Traditional,CESA,Roth)
0.10%$1k-6 Month IRA (Traditional,CESA,Roth)
Locations


1st Financial Federal Credit Union Locations
Branch Office1407 Washington AveSaint Louis, MO 63103-1920
Branch Office5916 N Lindbergh BlvdHazelwood, MO 63042-3124
Branch Office1550 Country Club Plaza DrSaint Charles, MO 63303-3858
Branch Office1232 Wentzville PkwyWentzville, MO 63385-3868