Featured Savings Rates
Featured Accounts

First Community Credit Union (ND)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%Reward CheckingKasasa Cash
0.75%Reward SavingsKasasa Saver
1.40%5-year CD60 Month Certificate

Overview / Commentary
701-252-0360
310 10th St SE
Jamestown, ND 58401-5555

First Community Credit Union (ND) is headquartered in Jamestown and is the largest credit union in the state of North Dakota. It is also the 462nd largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 164 employees and 32,237 members at 16 locations. First Community Credit Union (ND) has an A+ health rating.

Field of Membership Restrictions

Membership in First Community Credit Union is open to the following: (1) those who live within a 75-mile radius of Portland or Jamestown, North Dakota; (2) those who live within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek, North Dakota.
See current membership details

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Reviews (2)

A Pleasure to Bank With

Posted by: A1Brie | Jan 4, 2017

First Community Credit Union is a shining example of what a credit union should be. I have had nothing but exceptional, extremely positive experiences both in-house and speaking on the phone/online. Service is always prompt and friendly. Kasasa checking and savings accounts are above and beyond the best accounts out there because of interest rates and ease of use. FCCU provides a terrific user interface online that makes money transfers and bill payments not just easy but enjoyable. Everything on the website is straightforward and clear and along with standard offerings, FCCU also provides users with budgeting tools and spend-trackers that help members keep tabs on their spending. I am typically not someone who is super loyal to any one company/brand, but to FCCU I am.

Pleasant Experience

It has been a mostly pleasant experience. The initial startup was $5. The clerks are very nice to deal with. Initially there were a number of issues that I experienced with items not being credited, credited to the wrong account, and other problems. This was within my first two months of having the account. I was looking at other credit unions to switch t, but they finally did get their act together. It has been easy to get auto loans and the mortgage done through the credit union. There have been identity theft issues on two occasions. Unfortunately this seems to be the norm for many financial institutions.



Health
A+

Health Grade Components

Overall
NCUA #60103
Year Chartered1939
Employees164
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD10.18%
Annual Interest Income$12.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$589.6MM$546.3MM
LoansQ2 2017vs Q2 2016$494.1MM$466.2MM
DepositsQ2 2017vs Q2 2016$491.6MM$462.6MM
Equity CapitalQ2 2017vs Q2 2016$81.7MM$74.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$6.7MM$6.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.3MM$4.8MM
Real Estate OwnedQ2 2017vs Q2 2016$0$231.00K
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 (ND) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$25kKasasa Saver
OTHER TIERS: 0.25% $25k+
0.06%*$100k*-Progressive Savings Account
OTHER TIERS: 0.02% Up to $10k | 0.03% $10k - $25k | 0.04% $25k - $100k
0.06%*$100k*-IRA Progressive Savings Account
OTHER TIERS: 0.02% Up to $10k | 0.03% $10k - $25k | 0.04% $25k - $100k
0.05%--Reward Savings Account
0.05%--IRA Reward Savings Account
0.02%--Share Savings Account

First Community Credit Union (ND) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$25kKasasa Cash
OTHER TIERS: 0.25% $25k+
0.04%*$100k*-Progressive Checking Account
OTHER TIERS: 0.02% Up to $50k | 0.03% $50k - $100k

First Community Credit Union (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$50k*-60 Month Certificate
OTHER TIERS: 1.20% $1k - $10k | 1.30% $10k - $50k
1.25%$5k-39 Month Maximizer Flex Certificate
1.10%*$50k*-48 Month Certificate
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k
0.80%*$50k*-36 Month Certificate
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $50k
0.80%$5k-35 Month Maximizer Certificate
0.60%*$50k*-24 Month Certificate
OTHER TIERS: 0.40% $1k - $10k | 0.50% $10k - $50k
0.25%*$50k*-12 Month Certificate
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $50k
0.25%$100-12 Month Add-A-Buck Certificate
0.20%*$50k*-6 Month Certificate
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $50k

First Community Credit Union (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$50k*-60 Month IRA Certificate
OTHER TIERS: 1.20% $1k - $10k | 1.30% $10k - $50k
1.10%*$50k*-48 Month IRA Certificate
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k
0.80%*$50k*-36 Mont IRA Certificate
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $50k
0.60%*$50k*-24 Month IRA Certificate
OTHER TIERS: 0.40% $1k - $10k | 0.50% $10k - $50k
0.25%*$50k*-12 Month IRA Certificate
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $50k
0.25%$100-12 Month Add-A-Buck IRA
0.20%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $50k
Locations

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