Featured Savings Rates
Featured Accounts

Member's “FIRST” Community Credit Union

Popular Accounts at this Credit Union

0.75%Reward CheckingUltimate Checking Account
0.55%1-year CD12 Month CD
0.15%SavingsSpecial Shares

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

Member's “FIRST” Community Credit Union is headquartered in QUINCY and is the 67th largest credit union in the state of Illinois. It is also the 2,289th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 21 employees and 5,879 members at 2 locations. Member's “FIRST” Community Credit Union has a B+ 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 - YTD1.75%
Return on Equity - YTD10.65%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$50.9MM$48.9MM
LoansQ2 2016vs Q2 2015$35.6MM$31.2MM
DepositsQ2 2016vs Q2 2015$42.2MM$41.2MM
Equity CapitalQ2 2016vs Q2 2015$8.3MM$7.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$240.00K$232.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$411.00K$76.00K
Real Estate OwnedQ2 2016vs Q2 2015$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%--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%-$5kChristmas 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

0.45%$2,500-Money Market Checking Account

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

1.00%$2,500-Large Business Checking
0.75%-$25kUltimate Checking Account - Qualifying

Member's “FIRST” Community Credit Union CD Rates

1.00%$2,500-24 Month CD
1.00%$100$5003 Month Swifty CD
0.55%$1k-12 Month CD
0.40%$500-6 Month CD

Member's “FIRST” Community Credit Union IRA Rates

1.00%$2,500-24 Month IRA
0.55%$1k-12 Month IRA
0.40%$500-6 Month IRA

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