Member's “FIRST” Community Credit Union

Overview / Commentary
1201 N 24th St
QUINCY, IL 62301

Member's “FIRST” Community Credit Union is headquartered in QUINCY and is the 59th largest credit union in the state of Illinois. It is also the 2,057th largest credit union in the nation. It was established in 1954 and as of June of 2021, it had grown to 25 employees and 7,196 members at 2 locations. Member's “FIRST” Community Credit Union has an A health rating.

Field of Membership Restrictions

Members First Community Credit Union is open to those who live or work in Adams, Brown, Pike, or Schuyler counties in Illinois. Eligibility also extends to members of select employer groups located in Hancock County, Illinois or Lewis County, Missouri. Family of current credit union members may also join.
See current membership details

Reviews (1)

Beware Of Rate Changes

Posted by: |

I have been a member since 2009 or before. Limited membership area with an above average HSA rate. Beware, they change the rates sometimes near the end of the quarter and retroactive the rate to the start of the quarter. WORST, the first of this year they changed to ONLY pay on first $25,000 of balance of HSA with no notice to customers other than rate page. Obviously, I missed it so over 3 months of part of my HSA earned nothing!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Member's “FIRST” Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #63368
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD2.26%
Return on Equity - YTD10.38%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$78.6MM$74.7MM
LoansQ2 2021vs Q2 2020$54.2MM$52.6MM
DepositsQ2 2021vs Q2 2020$60.6MM$58.4MM
Equity CapitalQ2 2021vs Q2 2020$17.3MM$15.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$628.00K$487.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$362.00K$405.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Member's “FIRST” Community Credit Union Savings Account Rates

3.56%-$25kHealth Savings Account
2.02%$100-Matrimoney Account
1.00%*$5k*-IRA Share
OTHER TIERS: 0.25% $100 - $1k | 0.50% $1k - $2.5k | 0.75% $2.5k - $5k
0.75%-$25kKasasa Saver
0.10%-$5kChristmas Club
0.05%$100-Share Accounts (Savings)

Member's “FIRST” Community Credit Union Money Market Rates

0.10%$2.5k-Money Market Account

Member's “FIRST” Community Credit Union Checking Account Rates

2.53%-$25kKasasa Cash
0.10%$2.5k-Large Business Checking

Member's “FIRST” Community Credit Union CD Rates

1.00%$100$5003 Month Swifty CD
0.15%$2.5k-24 Month CD
0.10%$1k-12 Month CD
0.05%$500-6 Month CD

Member's “FIRST” Community Credit Union Locations
Branch Office1201 N 24th StQUINCY, IL 62301
Branch Office329 N 24th StQuincy, IL 62301

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