First Community Credit Union

17151 Chesterfield Airport Road
Chesterfield, MO 63005
636-537-4400
www.firstcommunity.com

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First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 75^th largest credit union in the nation. It was established in 1934 and as of December of 2012, it had grown to 376 employees and 217,146 members. First Community Credit Union has a 5-star health rating.

High-Yield Reward Checking Account at a Missouri CU (First Community) - 5/2/2008

Update 8/31/10: The top rate has fallen to 2.51% APY. Refer to the bottom of the post for the rate history. First Community Credit Union has a reward checking account called First Rate Checking that pays 2.51% APY on balances up to ...

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

First Community Credit Union Checking Account Rates

Apy	Min	Max	Product
1.51%	-	$25k	First Rate Checking
0.10%	$750	-	Checking II
0.10%	$250	-	Business Plus Checking

First Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	$25	-	HSA Savings
0.15%	$100	-	Regular Share Savings
0.15%	$100	-	Business Savings
0.15%	$100	-	Secondary Share Savings
0.15%	$100	-	Christmas Club
0.15%	$100	-	Vacation Club
0.15%	$25	-	Youth Saver's
0.15%	$100	-	IRA Savings
0.15%	$100	-	Roth IRA Savings
0.15%	$100	-	Educational IRA Savings

First Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Money Management

First Community Credit Union CD Rates

Apy	Min	Max	Product
1.70%	$500	-	72 Month CD
1.70%	$500	-	72 Month Business CD
1.55%	$500	-	60 Month CD
1.55%	$500	-	60 Month Business CD
1.25%	$500	-	48 Month CD
1.25%	$500	-	48 Month Business CD
0.95%	$500	-	36 Month CD
0.95%	$500	-	36 Month Business CD
0.70%	$500	-	24 Month CD
0.70%	$500	-	24 Month Business CD
0.50%	$500	-	18 Month CD
0.50%	$500	-	18 Month Business CD
0.45%	$500	-	15 Month CD
0.45%	$500	-	15 Month Business CD
0.40%	$500	-	12 Month CD
0.40%	$500	-	12 Month Business CD
0.25%	$500	-	6 Month CD
0.25%	$500	-	6 Month Business CD

First Community Credit Union IRA Rates

Apy	Min	Max	Product
1.70%	$500	-	72 Month IRA
1.70%	$500	-	72 Month Roth IRA
1.70%	$500	-	72 Month Educational IRA
1.55%	$500	-	60 Month IRA
1.55%	$500	-	60 Month Roth IRA
1.55%	$500	-	60 Month Educational IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.25%	$500	-	48 Month Educational IRA
0.95%	$500	-	36 Month IRA
0.95%	$500	-	36 Month Roth IRA
0.95%	$500	-	36 Month Educational IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month Educational IRA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month Educational IRA
0.45%	$500	-	15 Month IRA
0.45%	$500	-	15 Month Roth IRA
0.45%	$500	-	15 Month Educational IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Roth IRA
0.40%	$500	-	12 Month Educational IRA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month Educational IRA

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

FIRST COMMUNITY
NCUA #	67619
BankRate Report	View
Year Chartered	1934
Employees	376
Primary Regulator
Assets and Liabilities
Assets	$1.90 billion
Loans	$983.87 million
Deposits	$1.71 billion
Equity Capital	$166.58 million
Loan Loss Allowance	$7.55 million
Unbacked Noncurrent Loans	$5.80 million
Real Estate Owned	$7.15 million
Historic Data - December 2011
Assets	$1.78 billion
Equity Capital	$155.88 million
Loan Loss Allowance	$7.05 million
Unbacked Noncurrent Loans	$6.78 million
Real Estate Owned	$9.36 million
Profit Margin - Quarterly
Net Interest Margin	3.36%
Return on Assets	0.58%
Return on Equity	6.62%
Interest Income	$53.01 million
Non-Interest Income	$30.93 million

Institution Health

Overall Score:

5 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, 2012 First Community Credit Union had $12.95 million in non-current loans and owned real-estate with $174.13 million in equity and loan loss allowances on hand to cover it. This gives First Community Credit Union a Texas Ratio of 7.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Community Credit Union decreased slightly from 9.91% as of December 31, 2011 to 7.44% as of December 31, 2012, resulting in a positive change of 24.90%.This indicates that the balance sheet and financial strength for First Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, First Community Credit Union has increased its total deposits by $106.06 million, resulting in 6.61% 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 First Community Credit Union has shown is excellent.
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. First Community Credit Union has $1.9 billion in assets with $174.13 million in equity, resulting in a capitalization level of 9.17%, which is average.