Featured Savings Rates
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First Community Credit Union

Popular Accounts at this Credit Union

1.15%2-year CD24 Month CD
1.15%2-year IRA24 Month IRA (Traditional, Roth, CESA)
2.00%Reward CheckingFirst Rate Checking

Overview / Commentary
17151 Chesterfield Airport Rd
Chesterfield, MO 63005-1411

First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 99th largest credit union in the nation. It was established in 1934 and as of December of 2017, it had grown to 517 employees and 294,408 members at 32 locations. First Community Credit Union's money market rates are 25% higher than 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 Madison, Monroe, or St. Clair.
See current membership details

Related Posts

First Community CU (MO/IL) Adds Limited-Time 2-Year CD - 10/17/2017

First Community CU (MO/IL) is offering 2.00% APY on its 24-month CD when opened in-branch between Oct. 16-23, 2017 . Minimum deposit is $500. Also as an IRA.

First Community CU (MO/IL) Ups 24-Month CD Rate - 7/24/2017

First Community CU (MO/IL) has added 130 bps to its 24-month CD (2.00% APY). The minimum deposit is $500 with no balance cap. Also offered as an IRA.

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Reviews (4)

Very Competitive

Since this is a Credit Union and not a bank, you know that they wont be trying to squeeze every penny they can out of you for their service. Some banks are starting to have fees as a result of other fees. They are the best brick and mortar place you will find in the St. Louis area. They always have the highest rates on savings/checking accounts and the lowest on loans. My sister works for them, and she said they base their rates off of the best in the St. Louis area. Nationally, they may not be the best, but they are pretty high up there.

Great Credit Union

Posted by: Meggersb | Nov 23, 2014

My husband and I have been with First Community Credit Union for almost 3 years, and love it. The employees are always very friendly inside the bank, and also if you call into customer service. They always have been very helpful with any situation that we may have. We also have a car loan through them, and they were able to complete our car loan application process very fast. We were able to get the car that we wanted and worked for our family. First Community also has a few branches inside the local Wal-Mart Stores, and it is nice to be able to do banking on Saturday and Sunday also when you work normal hours. I would recommend First Community to anyone who was looking for a new bank.

First Community Credit Union is a great alternative to traditional banking.

Posted by: Kementitu | Jan 28, 2018

I joined First Community Credit Union years ago after hearing great things about it and then going to the one near my neighborhood. At the time I was new to St. Louis and had just begun a new job. I was able to arrange to have my salary automatically deposited and was issued checks. I also started a savings account and was able to have a prescribed amount placed in savings with each paycheck. My checking account accrued interest if I kept the balance above $1000. There was an ATM at the Credit Union and at its other branches. The Credit Union did offer other services which were a plus to me but I will say that the pitfalls were lack of ATM's when traveling though proper planning prevented problems.

Online only banks are better...

Posted by: MaryBlay | Dec 1, 2016

I still have a savings account with First Community, but I've long since relocated my checking. I've definitely incurred large fees from this credit union before. They've waived a couple in good faith, but then again, that involves a lot of time spent on the phone and effort and of course the luck of the draw regarding the attitude of the representative you get. I'd say that for someone that needs a brick and mortar location that this is still a good CU. On the plus side it is fairly quick to get someone on the phone, and when you do, they're located in a local US call center. So that is nice. For my needs, though, I've found a better fit.


Health Grade Components

NCUA #67619
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD6.15%
Annual Interest Income$70.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.38B$2.23B
LoansQ4 2017vs Q4 2016$1.47B$1.29B
DepositsQ4 2017vs Q4 2016$2.07B$1.95B
Equity CapitalQ4 2017vs Q4 2016$198.7MM$186.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$10.6MM$8.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$9.9MM$8.7MM
Real Estate OwnedQ4 2017vs Q4 2016$2.2MM$2.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Community Credit Union Savings Account Rates

0.55%$25-Health Savings Account
0.15%$100-Regular Share
0.15%$100-Business Savings
0.15%$100-Secondary Share
0.15%$100-Club Accounts
0.15%$25-Youth Saver's
0.15%$100-Individual Retirement Account

First Community Credit Union Money Market Rates

0.55%*$50k*-Money Management Savings
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $50k

First Community Credit Union Checking Account Rates

2.00%*-$25kFirst Rate Checking
OTHER TIERS: 0.15% $25k+

First Community Credit Union CD Rates

2.25%$500-72 Month CD
2.25%$500-72 Month Business CD
2.00%$500-60 Month CD
2.00%$500-60 Month Business CD
1.60%$500-48 Month CD
1.60%$500-48 Month Business CD
1.40%$500-36 Month CD
1.40%$500-36 Month Business CD
1.15%$500-24 Month CD
1.15%$500-24 Month Business CD
1.00%$500-18 Month CD
1.00%$500-18 Month Business CD
0.95%$500-15 Month CD
0.95%$500-15 Month Business CD
0.90%$500-12 Month CD
0.90%$500-12 Month Business CD
0.65%$500-6 Month CD
0.65%$500-6 Month Business CD

First Community Credit Union IRA Rates

2.25%$500-72 Month IRA
2.00%$500-60 Month IRA
1.60%$500-48 Month IRA
1.40%$500-36 Month IRA
1.15%$500-24 Month IRA
1.00%$500-18 Month IRA
0.95%$500-15 Month IRA
0.90%$500-12 Month IRA
0.65%$500-6 Month IRA