Overview / Commentary
325-653-1465
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 885th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 88 employees and 20,922 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 (4)

Great credit union!

Posted by: elenaday2 | Aug 6, 2017

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.

THEY HAVE BEEN GREAT!

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.

S.M

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
B+

Health Grade Components

Overall
NCUA #8715
Year Chartered1953
Employees88
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.74%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$257.7MM$246.3MM
LoansQ2 2018vs Q2 2017$187.7MM$172.0MM
DepositsQ2 2018vs Q2 2017$230.2MM$221.8MM
Equity CapitalQ2 2018vs Q2 2017$23.0MM$23.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$918.00K$886.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.8MM$1.8MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not 1st Community Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

1st Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Savings (Share)
0.10%--Club Accounts
0.10%--Christmas Club Account

1st Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$25k-Mega Money Market
0.30%$2.5k-Money Market

1st Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%-$25kePlus Checking

1st Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-3 Year Compounding Share Certificate
0.75%$1k-3 Year Non-Compounding Share Certificate
0.60%$1k-2 Year Compounding Share Certificate
0.60%$1k-2 Year Non-Compounding Share Certificate
0.40%$1k-1 Year Compounding Share Certificate
0.40%$1k-1 Year Non-Compounding Share Certificate
0.25%$1k-6 Month Compounding Share Certificate
0.25%$1k-6 Month Non-Compounding Share Certificate

1st Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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