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 380th largest credit union in the nation. It was established in 1939 and as of December of 2019, it had grown to 245 employees and 43,979 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

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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 - YTD0.95%
Return on Equity - YTD6.93%
Annual Interest Income$38.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$850.2MM$825.7MM
LoansQ4 2019vs Q4 2018$670.4MM$680.5MM
DepositsQ4 2019vs Q4 2018$726.8MM$705.4MM
Equity CapitalQ4 2019vs Q4 2018$116.6MM$106.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$8.7MM$8.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$8.0MM$8.3MM
Real Estate OwnedQ4 2019vs Q4 2018$1.2MM$386.00K
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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

0.75%$25k-Kasasa Saver

First Community Credit Union (ND) Checking Account Rates

2.50%*$25k*-Kasasa Cash
OTHER TIERS: 0.02% Up to $25k


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