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111 9th Street SW
Jamestown, ND 58401

First Community Credit Union (ND) is headquartered in Jamestown and is the largest credit union in the state of North Dakota. It is also the 458th largest credit union in the nation. It was established in 1939 and as of December of 2013, it had grown to 132 employees and 30,496 members. First Community Credit Union (ND)'s savings rates are 44% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Anyone who lives in our Field of Membership can apply. That includes individuals who fulfill one of the following requirements: Reside within a seventy-five mile radius of Jamestown or Portland, ND Reside within a fifty mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek, North Dakota Those immediate family members living outside our Field of Membership may also join. - See Details

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Data for Q4 2013

Institution Health


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, 2013 First Community Credit Union (ND) had $1.1 million in non-current loans and owned real-estate with $58.22 million in equity and loan loss allowances on hand to cover it. This gives First Community Credit Union (ND) a Texas Ratio of 1.88% 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 (ND) decreased dramatically from 3.21% as of December 31, 2012 to 1.88% as of December 31, 2013, resulting in a positive change of 41.36%.This indicates that the balance sheet and financial strength for First Community Credit Union (ND) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Community Credit Union (ND) has increased its total deposits by $19.88 million, resulting in 5.5% 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 (ND) has shown is excellent.



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 (ND) has $471.73 million in assets with $58.22 million in equity, resulting in a capitalization level of 12.34%, which is excellent.

Institution Statistics

NCUA #60103
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$471.73 million
Loans$393.53 million
Deposits$381.55 million
Equity Capital$54.07 million
Loan Loss Allowance$4.15 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$0
Historic Data - December 2012
Assets$433.61 million
Equity Capital$48.40 million
Loan Loss Allowance$3.79 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.97%
Return on Assets1.45%
Return on Equity12.64%
Interest Income$20.32 million
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First Community Credit Union (ND) Savings Account Rates

0.75%-$25kKasasa Saver
0.06%$100k-Progressive Savings Account
0.06%$100k-IRA Progressive Savings Account
0.05%--Reward Savings Account
0.05%--IRA Reward Savings Account
0.02%--Share Savings Account
0.02%--Kasasa Saver

First Community Credit Union (ND) Checking Account Rates

2.50%-$25kKasasa Cash
0.04%$100k-Progressive Checking Account
0.02%--Kasasa Cash

First Community Credit Union (ND) CD Rates

1.45%$50k-5 Year Certificate
1.10%$50k-4 Year Certificate
0.85%$50k-3 Year Certificate
0.80%$5k-35 Month Maximizer Certificate
0.65%$50k-24 Month Certificate
0.35%$100-12 Month Add-A-Buck Certificate
0.30%$50k-12 Month Certificate
0.20%$50k-6 Month Certificate

First Community Credit Union (ND) IRA Rates

1.45%$50k-5 Year IRA Certificate
1.10%$50k-4 Year IRA Certificate
0.85%$50k-3 Year IRA Certificate
0.65%$50k-24 Month IRA Certificate
0.35%$100-12 Month Add-A-Buck IRA
0.30%$50k-12 Month IRA Certificate
0.20%$50k-6 Month IRA Certificate

First Community Credit Union (ND) has 15 locations. Click to view all First Community Credit Union (ND) locations.