First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 88th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 687 employees and 409,871 members at 41 locations. First Community Credit Union's money market rates are 7X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in First Community Credit Union is open to those who live or work in the City of St. Louis; or the Missouri counties of Franklin, Jefferson, St. Charles, St. Louis or Warren; or the Illinois counties of Monroe, Madison, or St. Clair. Immediate family and household members of those eligible, may also join.
See current membership details
BEEN WITH THIS BANK THREE PLUS YEARS
Hello,
My whole family and I have bank accounts and my in laws have a business account of 35 years. This year they decided to pull the plug after repeated issues going in to the weekends. A lot of their computers would “ malfunction” on Friday’s or Saturday mornings and end up screwing you for the whole weekend. Then on Monday they would easily be fixed. Like that’s a little sketch to me. Not to mention depositing a 4 digit pay check into another members account by mistake and couldn’t use my account for three days because they were tracking it down, and of course they did that on a Friday night. Also shutting down my wife’s account because they had “ tried” reaching my wife about interesting charges on our account. We received no phone call, no email, and no text while we were on vacation. Super embarrassing to have to show your waiter your whole bank account information to prove that we have enough to pay. Last but not least the card limits.... you are not my mom. It’s my money, do not put a limit of how much I can spend or pull out. They started me at only being able to spend $200 a day. With 3 kids and a wife. Not impressed. This Credit Union is a joke and I am tired of being embarrassed by them honestly. Trust goes with respect and especially when dealing with my time and money. I would rather risk my money with a normal bank. DO YOUR JOBS.
Stay Away
Don't use this financial institution. They are unprofessional and don't know what they are doing. Went in to get affidavits and medallion signatures. They looked at the paperwork work and wouldn't sign anything. They thought they were legal know it alls and said everything was supposed to be distributed to my sibling. I showed the ladies my other siblings paperwork that had the exact same documentation and told them that I could bring in a copies of my 3 other siblings paperwork to show them that was not the case. . After seeing a look of embarrassment on their faces they doubled down and started getting rude. Now I have to create an account with a different institution and wait for 6 months before I can get everything signed.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67619 |
| Year Chartered | 1934 |
| Employees | 687 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.59% |
| Return on Equity - YTD | 8.89% |
| Annual Interest Income | $54.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.74B$4.35B |
| Loans | Q1 2025vs Q1 2024 | $3.2B$2.99B |
| Deposits | Q1 2025vs Q1 2024 | $4.11B$3.68B |
| Equity Capital | Q1 2025vs Q1 2024 | $306.1MM$245.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $35.1MM$28.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $12.5MM$11.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $847K$205K |
