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

Member's “FIRST” Community Credit Union is headquartered in QUINCY and is the 60th largest credit union in the state of Illinois. It is also the 2,093rd largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 27 employees and 6,724 members at 2 locations. Member's “FIRST” Community Credit Union's CD rates are 11% higher than the national average, and it 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)

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!

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 - YTD2.38%
Return on Equity - YTD11.81%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$62.0MM$52.9MM
LoansQ4 2018vs Q4 2017$48.4MM$41.1MM
DepositsQ4 2018vs Q4 2017$49.1MM$41.9MM
Equity CapitalQ4 2018vs Q4 2017$12.1MM$10.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$321.00K$172.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$337.00K$477.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$38.00K
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Always verify rates and promotions with the bank or credit union. We are not Member's “FIRST” Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.50%-$5kChristmas Club
0.40%*$15k*-Share Accounts (Savings)
OTHER TIERS: 0.10% $100 - $1k | 0.15% $1k - $2.5k | 0.25% $2.5k - $15k
0.15%$100-Special Shares
0.15%$100-Vacation Club

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

0.45%$2.5k-Money Market Account

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

2.02%*-$25kUltimate Checking - Qualifying
OTHER TIERS: 1.00% $25k+
1.00%$2.5k-Large Business Checking

Member's “FIRST” Community Credit Union CD Rates

1.51%$2.5k-24 Month CD
1.26%$500-6 Month CD
1.00%$1k-12 Month CD
1.00%$100$5003 Month Swifty 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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