First Community Credit Union (ND)

Overview / Commentary
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 385th largest credit union in the nation. It was established in 1939 and as of March of 2019, it had grown to 241 employees and 43,895 members at 29 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.
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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 Grade Components

NCUA #60103
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD7.31%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$819.4MM$795.8MM
LoansQ1 2019vs Q1 2018$667.2MM$636.5MM
DepositsQ1 2019vs Q1 2018$701.9MM$680.2MM
Equity CapitalQ1 2019vs Q1 2018$109.6MM$99.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$8.3MM$7.1MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$8.3MM$12.6MM
Real Estate OwnedQ1 2019vs Q1 2018$336.00K$0

Rates for First Community Credit Union (ND) are currently being reviewed.



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