Featured Savings Rates
Featured Accounts

1st Financial Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%Reward SavingsHigh Yield Online Savings
1.60%5-year CD60 Month CD
0.35%1-year CD12 Month CD

Overview / Commentary
636-916-8300
1232 Wentzville Pkwy
Wentzville, MO 63385

1st Financial Federal Credit Union is headquartered in Wentzville and is the 9th largest credit union in the state of Missouri. It is also the 882nd largest credit union in the nation. It was established in 1968 and as of December of 2017, it had grown to 90 employees and 33,875 members at 4 locations. 1st Financial Federal Credit Union's savings rates are 10X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school, work, or regularly do business in the City of St. Louis, St. Louis County, or St. Charles County.
See current membership details

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Reviews (3)

Decent, but restrictive

I have been a member of 1st Financial for going on 10 years. I currently have a Savings and Money Market account through them. They had better interest rates and fees than a lot of my other local credit unions, and I had been with them for many years with various other loans I had taken out through them. I have never had an issue with their customer service or wait times when I visited in store or had to call in on the phone that I can recall. They were always courteous and competent. They aren't by any means the best rated Credit Union in the area, but with the trust I have built with them over the years, they have treated me well since I have been a customer.

Special CD 36 Months 1.25 APY

Posted by: djc314 | May 1, 2013

Just got an email limited time may be withdrawn at any time. $1,000 min-$10,0000 max.  If already a member this is for new deposits only

1st Financial Credit Union - Good rate and service, horrible online

My family just started use this credit union to credit a basic savings account. This account is just used for emergency situations. We got locked out of the account on the website. Their website is so out of date, that we had to physically go into the bank to get a reset. This organization need a overall of its online services, including password management. Other then the online issues, the bank itself is a friendly atmosphere and all the bank representatives are nice and easy to work with. We could have started a savings account at a normal bank, but since the credit union has no fees, we chose this organization. Also, this organization does not have a mobile service, which is also a negative.



Health

Health Grade Components

Overall
NCUA #24774
Year Chartered1968
Employees90
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.25%
Annual Interest Income$12.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$250.1MM$217.7MM
LoansQ4 2017vs Q4 2016$219.8MM$190.6MM
DepositsQ4 2017vs Q4 2016$220.0MM$194.1MM
Equity CapitalQ4 2017vs Q4 2016$18.4MM$18.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.6MM$4.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$3.6MM$5.8MM
Real Estate OwnedQ4 2017vs Q4 2016$196.00K$69.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.01%*-$250CUbby Kids Club
OTHER TIERS: 0.05% $250+
5.01%*-$250RollUp Savings
OTHER TIERS: 0.10% $250+
1.00%*-$25kHigh Yield Online Savings
OTHER TIERS: 0.05% $25k+
0.05%$100-Primary Savings
0.05%--Business Basic Savings
0.05%$100-Secondary Savings
0.05%$100-StepOne Youth Account
0.05%$100-Financial Partners Club

1st Financial Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Money Market Account
OTHER TIERS: 0.05% $2,500 - $50k | 0.10% $50k - $100k

1st Financial Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$20k*-TailorMade Checking - Qualifying
OTHER TIERS: 0.15% Up to $20k

1st Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$50k-44 Month CD Special (New Money)
2.00%$1k-27 Month CD Special (New Money)
1.60%$1k-60 Month CD
1.60%$1k-25 Month CD Special (New Money)
1.50%$1k-24 Month CD
1.50%$1k-48 Month CD
1.25%$1k-19 Month CD Special (New Money)
1.25%$1k-8 Month CD Special (New Money)
1.00%$1k-36 Month CD
0.55%$1k-18 Month CD
0.35%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

1st Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$50k-44 Month IRA Special (New Money)
2.00%$1k-27 Month IRA Special (New Money)
1.60%$1k-60 Month IRA
1.60%$1k-25 Month IRA Special (New Money)
1.50%$1k-24 Month IRA
1.50%$1k-48 Month IRA
1.25%$1k-19 Month IRA Special (New Money)
1.25%$1k-8 Month IRA Special (New Money)
1.00%$1k-36 Month IRA
0.55%$1k-18 Month IRA
0.35%$1k-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations


1st Financial Federal Credit Union Locations
Branch Office1407 Washington AveSaint Louis, MO 63103-1920
Branch Office5916 N Lindbergh BlvdHazelwood, MO 63042-3124
Branch Office1232 Wentzville PkwyWentzville, MO 63385-3868
Branch Office1721 Zumbehl RdSaint Charles, MO 63303-2763

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