First Community Credit Union (ND)

Overview / Commentary
310 10th St SE
Jamestown, ND 58401

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 359th largest credit union in the nation. It was established in 1939 and as of March of 2024, it had grown to 234 employees and 46,589 members at 26 locations. First Community Credit Union (ND) has an A health rating.

Field of Membership Restrictions

Membership in First Community Credit Union is open to North Dakota residents who live (1) within a 75-mile radius of Devils Lake, Jamestown, or Portland; (2) within a 50-mile radius of Bismarck, Napoleon, Oakes, Steele, Valley City, Wahpeton, or Wishek; (3) within 40-mile radius of Bisbee or Larimore; or (4) in Marshall County and portions of Kittison County. Immediate family of an existing First Community Credit Union member qualify for membership, regardless of where they live.
See current membership details

Reviews (2)

A Pleasure to Bank With

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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 Grade Components

NCUA #60103
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.45%
Annual Interest Income$15MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.31B$1.2B
LoansQ1 2024vs Q1 2023$945MM$874.1MM
DepositsQ1 2024vs Q1 2023$1.05B$1.01B
Equity CapitalQ1 2024vs Q1 2023$140MM$129.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.4MM$7.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.9MM$1.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$423K
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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

0.25%$0$25kKasasa Saver

First Community Credit Union (ND) Checking Account Rates

2.50%*$0$25kKasasa Cash
OTHER TIERS: 0.15% $25k+


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