1st Community Federal Credit Union

Overview / Commentary
3505 Wildewood Dr
San Angelo, TX 76904-6433

1st Community Federal Credit Union is headquartered in San Angelo and is the 72nd largest credit union in the state of Texas. It is also the 865th largest credit union in the nation. It was established in 1953 and as of December of 2023, it had grown to 89 employees and 23,483 members at 8 locations. 1st Community Federal Credit Union's CD rates are 51% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

1st Community Federal Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Andrews, Brewster, Coke, Concho, Crane, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Midland, Pecos, Reagan, Runnels, Schleicher, Sterling, Sutton, Terrell, Tom Green, Upton, Ward, or Winkler. Eligibility also extends to organizations, legal entities, and businesses located in the aforementioned counties.
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Reviews (4)

Great credit union!

Posted by: |

I have been a member at my Credit Union for many years and the reason is that they keep rates down on loans and they have great interest rates on deposit accounts. They can do this because they are member owned and they aren't rule by shareholders that are out to make a profit. For example, I recently received a letter from an account representative at my credit union informing me that an account that I have for my son had become dormant. I hadn't had any activity for a while, so there was a $5 fee that was being charged for the dormancy. The account representative was nice enough to notify me and give some excellent options on what to do with the account. They provided several account options, such as a money market account. The easiest of the options was to make a deposit into the account to stop the dormancy, so I went with that option. I was impressed that the account representative took the time to let me know and saved me quite a few dollars in fees. I think that if my account would have been at a bank, the fees would have continued without any notification to me.

Great Local Bank

We chose to transfer our personal accounts to 1st Community Federal Credit Union two years ago, and it was the best banking decision we have ever made. The level of customer service is top notch. Service times at the drive thru and in the lobby are always quick. Whenever we have a question or concern they are quick to help and always friendly. The APR on our auto loan is the lowest in town. 1st Community's automated phone service and website are always available and easy to use. They have multiple benefits available to members who are account holders, the cell phone insurance rates are much more reasonable than those through our phone carrier. We have never had a bad experience in two years of dealing with them.


Posted by: |

I have been using 1st community for at least 15 years, and they are perfect! Mary Ellen Spotsa has always taken great care of me. I have opened and closed at least 6 loans over the years, and never once stepped foot in the bank. It has always been over the phone and mail. They provided very good, polite customer service.


Beware Of Hidden Charges To Your Account.

Posted by: |

Keep this in mind when opening an account from First Community Credit Union in Texas. When making a debit from your account NOT all charges will be visible to you! So THEY will know what is being debited but you WILL not. ANd they have a HEFTY fee upwards in the amount of $28. So, they will hit you with the fees then ten days later show the charges/debits against your account. Just a warning - I learned this the hard way. To the tune of $56. Of course they told me they are working on getting all charges - debit or credit card & checks to become visible on your account quicker. I am researching my options elsewhere. I thought going to a smaller credit union would be a better choice for my family - I was proven wrong.



Health Grade Components

NCUA #8715
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD12.4%
Annual Interest Income$16.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$382.4MM$362MM
LoansQ4 2023vs Q4 2022$284MM$261.2MM
DepositsQ4 2023vs Q4 2022$327.2MM$312.1MM
Equity CapitalQ4 2023vs Q4 2022$33MM$31.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$6.2MM$1.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$6.6MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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1st Community Federal Credit Union Savings Account Rates

0.05%$25-Savings (Share)
0.05%--Club Accounts
0.05%--Christmas Club Account

1st Community Federal Credit Union Money Market Rates

0.35%$25k-Mega Money Market
0.25%$2.5k-Money Market

1st Community Federal Credit Union Checking Account Rates

0.35%-$25kePlus Checking

1st Community Federal Credit Union CD Rates

1.92%$1k-3 Year Compounding Share Certificate
1.90%$1k-3 Year Non-Compounding Share Certificate
1.76%$1k-2 Year Compounding Share Certificate
1.75%$1k-2 Year Non-Compounding Share Certificate
1.36%$1k-1 Year Compounding Share Certificate
1.35%$1k-1 Year Non-Compounding Share Certificate
1.01%$1k-6 Month Compounding Share Certificate
1.00%$1k-6 Month Non-Compounding Share Certificate

1st Community Federal Credit Union IRA Rates

2.53%$25-5 Year Roth Conversion
2.53%$25-5 Year Roth Contributory
1.92%$25-3 Year IRA
1.76%$25-2 Year IRA
1.36%$25-1 Year IRA

1st Community Federal Credit Union Locations
Branch Office620 W 29th StSan Angelo, TX 76903
Branch Office121 N 8th StBallinger, TX 76821
Branch Office800 W Dickinson BlvdFort Stockton, TX 79735
Branch Office3505 Wildewood DrSan Angelo, TX 76904
Branch Office3505 Wildewood Dr Branch Location:107 South Divide, Eldorado, TX 76936San Angelo, TX 76904
Branch Office282 Kearney Blvd Bldg 3218Goodfellow AFB, TX 76908-3404
Branch Office501 S Alford StCrane, TX 79731-2500
Branch Office4141 College Hills BlvdSan Angelo, TX 76904

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