First Community Credit Union

Overview / Commentary
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 107th largest credit union in the nation. It was established in 1934 and as of December of 2023, it had grown to 618 employees and 393,348 members at 40 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 (5)

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: |

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: |

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: |

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.


Posted by: |

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.


Health Grade Components

NCUA #67619
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD8.98%
Annual Interest Income$150.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.16B$3.87B
LoansQ4 2023vs Q4 2022$2.95B$2.52B
DepositsQ4 2023vs Q4 2022$3.53B$3.51B
Equity CapitalQ4 2023vs Q4 2022$236.1MM$188.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$26.2MM$19.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$14.4MM$9.1MM
Real Estate OwnedQ4 2023vs Q4 2022$271K$462K
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Always verify rates and promotions with the bank or credit union. We are not First Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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-IRA Savings
0.25%$100-ROTH IRA Savings
0.25%$100-Coverdell Education IRA Savings
0.25%$100-Non-Profit Organization Savings

First Community Credit Union Money Market Rates

3.10%*$50k*-Premier Money Management Savings
OTHER TIERS: 2.35% $1k - $25k | 2.95% $25k - $50k

First Community Credit Union Checking Account Rates

3.51%*-$25kFirst Rate Checking
OTHER TIERS: 0.10% $25k+
0.10%$1k-Business Plus Checking

First Community Credit Union CD Rates

5.00%$500-12 Month CD
5.00%$500-18 Month CD
5.00%$25-12 Month First Star Share Certificate
5.00%$500-Business 12 Month CD
5.00%$500-Business 18 Month CD
4.50%$500-6 Month CD
4.50%$500-Business 6 Month CD
3.85%$500-15 Month CD
3.85%$2.5k-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

5.00%$500-12 Month IRA
5.00%$500-18 Month IRA
4.50%$500-6 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


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