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First Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstcommunity.com
636-728-3333
17151 Chesterfield Airport Rd
Chesterfield, MO 63005

First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 93rd largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 675 employees and 406,959 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

Reviews (2)

BEEN WITH THIS BANK THREE PLUS YEARS

Posted by: |

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.

5

Stay Away

Posted by: |

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.

1


Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #67619
Year Chartered1934
Employees675
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD9.77%
Annual Interest Income$201.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$4.52B$4.16B
LoansQ4 2024vs Q4 2023$3.13B$2.95B
DepositsQ4 2024vs Q4 2023$3.91B$3.53B
Equity CapitalQ4 2024vs Q4 2023$287.1MM$236.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$33.8MM$26.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$14.7MM$14.4MM
Real Estate OwnedQ4 2024vs Q4 2023$847K$271K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$25-Health Savings Account
0.25%$100-Share Savings
0.25%$100-Business Savings
0.25%$100-Secondary Share
0.25%$100-Christmas Club
0.25%$100-Vacation Club
0.25%$25-Youth Savers
0.25%$100-Non-Profit Organization Savings

First Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$50k*- Money Management Savings
OTHER TIERS: 2.35% → $1k - $25k | 2.95% → $25k - $50k

First Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.51%*$0$25kFirst Rate Checking
OTHER TIERS: 0.10% → $25k+
0.10%$1k-Business Plus Checking

First Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-12 Month CD
4.50%$25-12 Month First Star Share Certificate
4.00%$500-6 Month CD
4.00%$500-18 Month CD
4.00%$500-Business 6 Month CD
4.00%$500-Business 12 Month CD
4.00%$500-Business 18 Month CD
3.85%$500-15 Month CD
3.85%$500-Business 15 Month CD
3.65%$500-24 Month CD
3.65%$25-24 Month First Star Share Certificate
3.65%$500-Business 24 Month CD
3.50%$500-36 Month CD
3.50%$500-48 Month CD
3.50%$500-60 Month CD
3.50%$25-36 Month First Star Share Certificate
3.50%$500-Business 36 Month CD
3.50%$500-Business 48 Month CD
3.50%$500-Business 60 Month CD
3.00%$500-72 Month CD
3.00%$500-Business 72 Month CD

First Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-12 Month IRA
4.00%$500-6 Month IRA
4.00%$500-18 Month IRA
3.85%$500-15 Month IRA
3.65%$500-24 Month IRA
3.50%$500-36 Month IRA
3.50%$500-48 Month IRA
3.50%$500-60 Month IRA
3.00%$500-72 Month IRA
0.25%$100-IRA Savings
Locations

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