First Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.40% | 2-year CD | 2.70% - Discover Bank 24 Month CD |
| 3.30% | 5-year CD | 3.00% - Discover Bank 5 Year CD |
| 3.50% | 6+ Year CD | 2.32% - National Average |
First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 102nd largest credit union in the nation. It was established in 1934 and as of December of 2018, it had grown to 548 employees and 317,380 members at 32 locations. First Community Credit Union's money market rates are 4X the national average, and it has an A 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
Related Posts
7/24 - First Community CU (MO/IL) Ups 24-Month CD Rate
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
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.
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...
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67619 |
| Year Chartered | 1934 |
| Employees | 548 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.59% |
| Return on Equity - YTD | 7.18% |
| Annual Interest Income | $81.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.50B$2.38B |
| Loans | Q4 2018vs Q4 2017 | $1.67B$1.47B |
| Deposits | Q4 2018vs Q4 2017 | $2.18B$2.07B |
| Equity Capital | Q4 2018vs Q4 2017 | $207.8MM$198.7MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $13.0MM$10.6MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $9.1MM$9.9MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $2.1MM$2.2MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.65% | $25 | - | Health Savings Account | |
| 0.30% | $100 | - | Regular Share | |
| 0.30% | $100 | - | Business Savings | |
| 0.30% | $100 | - | Secondary Share | |
| 0.30% | $100 | - | Christmas Club | |
| 0.30% | $100 | - | Vacation Club | |
| 0.30% | $25 | - | Youth Savers | |
| 0.30% | $100 | - | Individual Retirement Account |
First Community Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.65%* | $50k* | - | Money Management Savings | ||
| OTHER TIERS: 1.25% → $1k - $25k | 1.50% → $25k - $50k | |||||
First Community Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.01%* | - | $25k | First Rate Checking | ||
| OTHER TIERS: 0.15% → $25k+ | |||||
First Community Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.50% | $500 | - | 72 Month CD | |
| 3.50% | $500 | - | Business 72 Month CD | |
| 3.30% | $500 | - | 60 Month CD | |
| 3.30% | $500 | - | Business 60 Month CD | |
| 2.75% | $500 | - | 48 Month CD | |
| 2.75% | $500 | - | Business 48 Month CD | |
| 2.65% | $500 | - | 36 Month CD | |
| 2.65% | $500 | - | Business 36 Month CD | |
| 2.40% | $500 | - | 24 Month CD | |
| 2.40% | $500 | - | Business 24 Month CD | |
| 2.00% | $500 | - | 12 Month CD | |
| 2.00% | $500 | - | 18 Month CD | |
| 2.00% | $500 | - | Business 12 Month CD | |
| 2.00% | $500 | - | Business 18 Month CD | |
| 1.90% | $500 | - | 15 Month CD | |
| 1.90% | $500 | - | Business 15 Month CD | |
| 1.30% | $500 | - | 6 Month CD | |
| 1.30% | $500 | - | Business 6 Month CD |
First Community Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.50% | $500 | - | 72 Month IRA | |
| 3.30% | $500 | - | 60 Month IRA | |
| 2.75% | $500 | - | 48 Month IRA | |
| 2.65% | $500 | - | 36 Month IRA | |
| 2.40% | $500 | - | 24 Month IRA | |
| 2.00% | $500 | - | 12 Month IRA | |
| 2.00% | $500 | - | 18 Month IRA | |
| 1.90% | $500 | - | 15 Month IRA | |
| 1.30% | $500 | - | 6 Month IRA |
