Family Community Credit Union (IA)

Overview / Commentary
1211 N Grand Ave
Charles City, IA 50616

Family Community Credit Union (IA) is headquartered in Charles City and is the 56th largest credit union in the state of Iowa. It is also the 3,449th largest credit union in the nation. It was established in 1960 and as of December of 2019, it had grown to 8 employees and 2,394 members at 1 location. Family Community Credit Union (IA)'s CD rates are 94% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Family Community Credit Union membership is open to those who reside in, or are employed by any business located in the following counties: Butler, Chickasaw, Floyd, Howard, Mitchell or Worth. Family of current credit union members are also eligible.
See current membership details

Reviews (1)

Great credit union with friendly staff

Posted by: |

Family Community Credit Union is a great place to bank. I've been banking there for several years, and have never had a single issue. The staff is incredibly friendly and willing to go out of their way to help you with concerns or questions. My savings account has had a couple of issues that were entirely my fault, and the bank has been very patient and willing to work with me to sort them out. I cash checks there frequently and they are always very quick and efficient. I also love that they are willing to go above and beyond. During their Christmas party last year, they were still open, and I went through the drive-through not knowing they were celebrating. They had no problem helping me, and even gave me a little stuffed snowman in honor of the celebration! I really like this credit union.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Family Community Credit Union (IA) has a low asset base.

Health Grade Components

NCUA #64067
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.83%
Annual Interest Income$504.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$17.8MM$18.4MM
LoansQ4 2019vs Q4 2018$5.7MM$6.2MM
DepositsQ4 2019vs Q4 2018$15.4MM$16.0MM
Equity CapitalQ4 2019vs Q4 2018$2.3MM$2.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$16.00K$14.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$20.00K$1,000
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family Community Credit Union (IA) Savings Account Rates

1.02%$50-Outbacks Kid Club
0.30%$50-IRA Savings
0.30%*$20k*-Super Saver Account
OTHER TIERS: 0.15% $5k - $10k | 0.20% $10k - $20k
0.15%$50-Share Savings Account
0.15%$50-Christmas Club Account
0.15%$50-Vacation Club Account

Family Community Credit Union (IA) CD Rates

1.75%$1k-12 Month Share Certificate
1.50%$2.5k-6 Month Share Certificate

Family Community Credit Union (IA) Locations
Branch Office1211 N Grand AveCharles City, IA 50616-1320

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