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Member's “FIRST” Community Credit Union


Overview / Commentary
www.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 60th largest credit union in the state of Illinois. It is also the 2,068th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 26 employees and 7,034 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

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!

2


Health
A

Data as of Q3 2019

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 Chartered1954
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD3.09%
Return on Equity - YTD14.49%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$64.4MM$58.7MM
LoansQ3 2019vs Q3 2018$51.1MM$46.2MM
DepositsQ3 2019vs Q3 2018$50.3MM$46.8MM
Equity CapitalQ3 2019vs Q3 2018$13.6MM$11.1MM
Loan Loss AllowanceQ3 2019vs Q3 2018$394.00K$259.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$378.00K$398.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$2.5k-Money Market Account

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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