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1st Community Federal Credit Union

Popular Accounts at this Credit Union

0.75%Reward CheckingePlus Checking
0.40%1-year CD1 Year Non-Comp Share Certificate
0.10%SavingsSavings (Share)

Overview / Commentary
3505 Wildewood Dr
San Angelo, TX 76904

1st Community Federal Credit Union is headquartered in San Angelo and is the 73rd largest credit union in the state of Texas. It is also the 880th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 83 employees and 22,007 members at 7 locations. 1st Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward and Winkler counties of Texas.
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Reviews (3)

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: Anonymous | Jun 29, 2012

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: txgal78 | Nov 16, 2011

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 - YTD0.11%
Return on Equity - YTD1.12%
Annual Interest Income$8.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$238.5MM$234.5MM
LoansQ4 2016vs Q4 2015$164.8MM$161.9MM
DepositsQ4 2016vs Q4 2015$214.1MM$210.9MM
Equity CapitalQ4 2016vs Q4 2015$22.3MM$22.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$841.00K$674.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.9MM$1.4MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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1st Community Federal Credit Union Savings Account Rates

0.40%$25-IRA Share Account
0.10%$25-Savings (Share)
0.10%--Club Accounts
0.10%--Christmas Club Account

1st Community Federal Credit Union Money Market Rates

0.40%$25k-Mega Money Market
0.30%$2,500-Money Market

1st Community Federal Credit Union Checking Account Rates

0.75%-$25kePlus Checking

1st Community Federal Credit Union CD Rates

0.75%$1k-3 Year Comp. Share Certificate
0.75%$1k-3 Year Non-Comp Share Certificate
0.60%$1k-2 Year Comp. Share Certificate
0.60%$1k-2 Year Non-Comp Share Certificate
0.40%$1k-1 Year Comp. Share Certificate
0.40%$1k-1 Year Non-Comp Share Certificate
0.25%$1k-6 Month Comp. Share Certificate
0.25%$1k-6 Month Non-Comp Share Certificate

1st Community Federal Credit Union IRA Rates

1.20%$25-5 Year Roth Conversion
1.20%$25-5 Year Roth Contributory
0.75%$25-3 Year IRA
0.60%$25-2 Year IRA
0.40%$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