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Featured Accounts

Member's “FIRST” Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%Reward CheckingUltimate Checking Account
0.55%1-year CD12 Month CD
0.15%SavingsSpecial Shares

Overview / Commentary
217-223-4377
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 2,263rd largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 23 employees and 6,431 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!



Health
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
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD2.26%
Return on Equity - YTD11.76%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$52.9MM$52.6MM
LoansQ4 2017vs Q4 2016$41.1MM$38.0MM
DepositsQ4 2017vs Q4 2016$41.9MM$43.0MM
Equity CapitalQ4 2017vs Q4 2016$10.2MM$9.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$172.00K$205.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$477.00K$160.00K
Real Estate OwnedQ4 2017vs Q4 2016$38.00K$140.00K
Rates
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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

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 - $2,500 | 0.75% $2,500 - $5k
0.50%-$5kChristmas Club
0.40%*$15k*-Share Accounts (Savings)
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

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$2,500-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%$2,500-Large Business Checking

Member's “FIRST” Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
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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