Member's “FIRST” Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.75%	Reward Checking	Ultimate Checking Account 1.83% - National Average
0.55%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.15%	Savings	Special Shares 1.20% - Synchrony Bank High Yield Savings

View all Member's “FIRST” Community Credit Union rates »

Overview / Commentary

membersfirstccu.com

217-223-4377

1201 N 24th St
QUINCY, IL 62301

Member's “FIRST” Community Credit Union is headquartered in QUINCY and is the 65^th largest credit union in the state of Illinois. It is also the 2,243^rd largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 21 employees and 6,217 members at 2 locations. Member's “FIRST” Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Brown, Adams, Pike, or Schuyler Counties in Illinois.
See current membership details

Reviews (1)

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Featured Account Options

Beware Of Rate Changes

Posted by: DaveJ | Apr 11, 2016

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!

Comment

1

Health

A

Data as of Q1 2017

Learn why bank health matters

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

Overall
NCUA #	63368
Year Chartered	1954
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	2.25%
Return on Equity - YTD	13.03%
Annual Interest Income	$613.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$55.0MM$50.8MM
Loans	Q1 2017vs Q1 2016	$38.6MM$34.4MM
Deposits	Q1 2017vs Q1 2016	$45.3MM$42.4MM
Equity Capital	Q1 2017vs Q1 2016	$9.3MM$8.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$193.00K$237.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$178.00K$385.00K
Real Estate Owned	Q1 2017vs Q1 2016	$78.00K$0

Rates

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Savings
Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
3.56%	-	-	Health Savings Account (HSA)
2.02%	$100	-	Matrimoney Account
1.00%^*	$5k^*	-	Traditional IRA
OTHER TIERS: 0.25% → $100 - $1k \| 0.50% → $1k - $2,500 \| 0.75% → $2,500 - $5k
1.00%^*	$5k^*	-	Roth IRA
OTHER TIERS: 0.25% → $100 - $1k \| 0.50% → $1k - $2,500 \| 0.75% → $2,500 - $5k
1.00%^*	$5k^*	-	Educational IRA
OTHER TIERS: 0.25% → $100 - $1k \| 0.50% → $1k - $2,500 \| 0.75% → $2,500 - $5k
0.50%	-	$5k	Christmas Club Account
0.40%^*	$15k^*	-	Regular Share Account
OTHER TIERS: 0.10% → $100 - $1k \| 0.15% → $1k - $2,500 \| 0.25% → $2,500 - $15k
0.15%	$100	-	Special Shares
0.15%	$100	-	Vacation Club Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$2,500	-	Money Market Checking Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$2,500	-	Large Business Checking
0.75%	-	$25k	Ultimate Checking Account - Qualifying

Member's “FIRST” Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$2,500	-	24 Month CD
1.00%	$100	$500	3 Month Swifty CD
0.55%	$1k	-	12 Month CD
0.40%	$500	-	6 Month CD

Member's “FIRST” Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$2,500	-	24 Month IRA
0.55%	$1k	-	12 Month IRA
0.40%	$500	-	6 Month IRA

Locations

Member's “FIRST” Community Credit Union Locations
Branch Office	1201 N 24th St	QUINCY, IL 62301
Branch Office	329 N 24th St	Quincy, IL 62301