First Community Credit Union puts members first. As a not-for-profit financial cooperative, every dollar of profit returns to you through lower loan rates, higher savings dividends, and reduced fees. NCUA-insured up to $250,000.
From everyday checking and high-yield share certificates to mortgages and SBA business loans, First Community Credit Union delivers the full spectrum of financial services — with the personal attention that only a member-owned institution can provide.
First Community Credit Union operates as a federally insured, member-owned financial cooperative. Members earn ownership with a $5 primary share deposit, gaining access to competitive checking, savings, loan, and digital banking products. Unlike stock-driven banks, First Community Credit Union distributes net income back to members through dividend payments on share accounts, reduced lending rates, and waived fees across product categories.
Access the products and services that match where you are today and where you want to be tomorrow.
Free checking with no monthly minimums, nationwide ATM access, and real-time debit card controls for First Community Credit Union members.
Fixed and adjustable-rate mortgages with competitive member rates, low closing costs, and local underwriting decisions at First Community Credit Union.
Commercial lending, SBA 7(a) and 504 loans, and business lines of credit tailored to growing enterprises banking with First Community Credit Union.
Deposit checks, transfer funds, pay bills, and monitor accounts 24/7 through the First Community Credit Union mobile app on iOS and Android.
Three distinct advantages that set member-owned banking apart from traditional financial institutions.
At First Community Credit Union, members own the institution. There are no outside shareholders demanding profit extraction. Net income flows back into operations, reserves, and member benefits — including rates on personal loans, auto financing, and mortgages that routinely beat national bank averages by 0.5 to 1.5 percentage points.
A member financing a $30,000 auto loan over 60 months at First Community Credit Union's member rate saves hundreds of dollars compared to a typical bank rate. Multiply that across a mortgage, a personal line of credit, and a business loan, and the difference over a member's lifetime is substantial.
View Loan Rates
Because First Community Credit Union operates as a not-for-profit cooperative, surplus earnings are paid out as dividends on member share accounts. Primary share savings accounts earn dividends from day one. Money market accounts tier upward as balances grow. Share certificates lock in guaranteed dividend rates for 3, 6, 12, 18, 24, or 60-month terms.
The 12-month share certificate currently yields 4.85% APY — among the most competitive rates available through any federally insured institution. Compare that to the national bank average of 0.46% APY on standard savings accounts and the advantage of credit union membership becomes immediately clear.
Compare Certificate Rates
First Community Credit Union's digital platform delivers everything members expect from a major financial institution — real-time balance monitoring, mobile check deposit, bill pay, peer-to-peer transfers, wire initiation, and instant account alerts — without the complexity or fees that banks charge for premium tiers.
All digital transactions are protected by 256-bit TLS encryption, device fingerprinting, and optional biometric authentication. NCUA regulations require First Community Credit Union to maintain cybersecurity standards consistent with federal financial regulatory guidance, audited annually by independent examiners.
Explore Digital Banking
Real members share their experience with credit union banking done differently.
Refinanced my mortgage through First Community Credit Union after my bank quoted me a rate a full point higher. The loan officer walked me through every step. Closing took three weeks — faster than any bank I've used.
Our small business moved all accounts to First Community Credit Union two years ago. The SBA loan process was straightforward, the treasury team knows our name, and the merchant services fees are half what our bank charged.
I put most of my savings into 12-month share certificates at First Community Credit Union. The 4.85% APY is real — deposited, earned, and paid on schedule. The mobile app makes it simple to roll over and ladder.
Membership takes minutes. A $5 opening deposit establishes your ownership stake and unlocks access to every product and service First Community Credit Union offers.
Join Now — It Takes 5 MinutesAnswers to the most common questions members ask before and after joining.
First Community Credit Union is a member-owned, not-for-profit financial cooperative insured by the NCUA up to $250,000 per member per account category. Unlike banks, the credit union returns profits to members through lower loan rates, higher savings dividends, and reduced fees. Members gain access to checking, savings, share certificates, personal loans, mortgages, auto loans, business banking, and full digital banking services.
Membership is open to eligible individuals who meet the field of membership requirements. Apply online or visit a branch. A minimum $5 deposit into a primary share savings account establishes your ownership stake. Once a member, you and your immediate family retain eligibility for life. Visit our About page for full membership criteria.
Yes. All deposits at First Community Credit Union are federally insured by the NCUA up to $250,000 per member per account ownership category. Joint accounts receive an additional $250,000 in coverage. IRAs are separately insured up to $250,000. This insurance is backed by the full faith and credit of the United States government — the same level of protection offered by FDIC-insured banks.
Visit the official website and click the Member Login button. Enter your member number or username and your password. First-time users must enroll using their member number, last 4 digits of their Social Security Number, and date of birth. Multi-factor authentication is recommended. For a complete step-by-step walkthrough, see our login guide.
Community First Credit Union and First Community Credit Union are separate institutions. The names are frequently confused in searches. First Community Credit Union (firstcommunity.co.com) operates independently with its own membership eligibility, branch network, and product offerings. Always verify the correct URL before logging in. See our Community First Credit Union comparison page for a detailed breakdown.
First Community Credit Union offers personal loans, home mortgages (fixed and adjustable rate), home equity products, auto loans for new and used vehicles, share-secured loans, credit cards, and business lending including SBA 7(a) and 504 loans. Rates are typically below bank averages due to the not-for-profit structure. View current rates on our personal loans page and mortgages page.
Yes. The First Community Credit Union mobile app is available for iOS and Android. Members can check balances, view transactions, transfer funds, deposit checks via mobile deposit, pay bills, set account alerts, and locate ATMs. The app supports biometric login and is protected by 256-bit encryption. Learn more on the mobile banking page.
First Community CU