1st Financial Federal Credit Union

1st Financial Federal Credit Union Locations

5916 North Lindbergh
Hazelwood, MO 63042
800-288-7618
www.1stfinancialfcu.org

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1st Financial Federal Credit Union is headquartered in Wentzville and is the 9^th largest credit union in the state of Missouri. It is also the 825^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 72 employees and 34,650 members. 1st Financial Federal Credit Union has a 3-star health rating.

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%...

2008

11/16 - 5.00% 14-Month CD at 1st Financial FCU in Missouri

2007

10/20 - 5.75% 60-Month CD at a Missouri CU (1st Financial).

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

1st Financial Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	-	-	High Yields Rewards Checking
0.05%	-	-	Checking Plus
0.05%	$2,500	-	Business Interest Checking

1st Financial Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.60%	$100k	-	Money Market Account
0.60%	$100k	-	Business Money Market Account

1st Financial Federal Credit Union CD Rates

Apy	Min	Max	Product
0.70%	$2k	-	60 Month CD
0.60%	$2k	-	48 Month CD
0.50%	$2k	-	36 Month CD
0.40%	$1k	-	24 Month CD
0.30%	$1k	-	18 Month CD
0.20%	$1k	-	12 Month CD
0.10%	$1k	-	6 Month CD
0.05%	$1k	-	3 Month CD

1st Financial Federal Credit Union IRA Rates

Apy	Min	Max	Product
0.70%	$2k	-	60 Month IRA
0.70%	$2k	-	60 Month CESA
0.70%	$2k	-	60 Month Roth IRA
0.60%	$2k	-	48 Month IRA
0.60%	$2k	-	48 Month CESA
0.60%	$2k	-	48 Month Roth IRA
0.50%	$2k	-	36 Month IRA
0.50%	$2k	-	36 Month CESA
0.50%	$2k	-	36 Month Roth IRA
0.40%	$1k	-	24 Month IRA
0.40%	$1k	-	24 Month CESA
0.40%	$1k	-	24 Month Roth IRA
0.30%	$1k	-	18 Month IRA
0.30%	$1k	-	18 Month CESA
0.30%	$1k	-	18 Month Roth IRA
0.20%	$1k	-	12 Month IRA
0.20%	$1k	-	12 Month CESA
0.20%	$1k	-	12 Month Roth IRA
0.10%	$1k	-	6 Month IRA
0.10%	$1k	-	6 Month CESA
0.10%	$1k	-	6 Month Roth IRA
0.05%	$1k	-	3 Month IRA
0.05%	$1k	-	3 Month CESA
0.05%	$1k	-	3 Month Roth IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

1ST FINANCIAL
NCUA #	24774
BankRate Report	View
Year Chartered	1968
Employees	72
Primary Regulator
Assets and Liabilities
Assets	$213.20 million
Loans	$168.52 million
Deposits	$196.60 million
Equity Capital	$15.88 million
Loan Loss Allowance	$1.77 million
Unbacked Noncurrent Loans	$6.96 million
Real Estate Owned	$344,000
Historic Data - December 2010
Assets	$209.75 million
Equity Capital	$15.51 million
Loan Loss Allowance	$1.59 million
Unbacked Noncurrent Loans	$3.51 million
Real Estate Owned	$704,000
Profit Margin - Quarterly
Net Interest Margin	5.21%
Return on Assets	0.19%
Return on Equity	2.55%
Interest Income	$11.19 million
Non-Interest Income	$4.07 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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, 2011 1st Financial Federal Credit Union had $7.31 million in non-current loans and owned real-estate with $17.64 million in equity and loan loss allowances on hand to cover it. This gives 1st Financial Federal Credit Union a Texas Ratio of 41.41% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1st Financial Federal Credit Union increased slightly from 24.63% as of December 31, 2010 to 41.41% as of December 31, 2011, resulting in a negative change of 68.14%. This indicates that the balance sheet and financial strength for 1st Financial Federal Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, 1st Financial Federal Credit Union has increased its total deposits by $3.21 million, resulting in 1.66% 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 above average.
Capitalization
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 $213.2 million in assets with $17.64 million in equity, resulting in a capitalization level of 8.28%, which is average.