Whether you call it "First Community," "First Community CU," or the full name — First Community Credit Union is the member-owned, NCUA-insured cooperative behind this site. This page covers everything available to members: accounts, loans, certificates, and digital banking in one place.
NMLS #489352. Phone: (800) 342-8575. Serving members nationwide with competitive rates, no-fee checking, and a digital banking platform built for modern life.
First Community Credit Union (often shortened to "First Community" by members) is a federally insured, member-owned financial cooperative operating at firstcommunity.co.com. The credit union offers a full range of personal and business financial products: free checking accounts with no monthly fees, primary share savings accounts earning dividends, money market accounts, share certificates with rates up to 4.85% APY, personal loans, auto loans, home mortgages, home equity products, business checking and savings, SBA 7(a) and 504 business loans, and comprehensive digital banking including online banking, iOS and Android mobile app, unlimited free bill pay, Zelle peer-to-peer transfers, domestic and international wire transfers, and customizable account alerts. All deposits are NCUA-insured up to $250,000 per member per account category. NMLS #489352.
Everything under the First Community Credit Union umbrella, organized by product category.
Free checking with no monthly fees, no minimum balance, real-time debit controls, and nationwide ATM access. Direct deposit available. Pairs with Zelle for instant peer-to-peer payments.
Primary share savings accounts earn dividends from the first dollar. A $5 minimum deposit establishes your membership ownership stake in the cooperative.
Fixed dividend rates for 3, 6, 12, 18, 24, and 60-month terms. 12-month certificate currently at 4.85% APY — among the top rates for federally insured accounts.
Tiered dividend rates rise as your balance grows. Maintains NCUA insurance, check-writing access, and liquidity — with better rates than standard savings on higher balances.
Member ownership means loan rates that routinely beat commercial bank offerings by a meaningful margin.
First Community Credit Union's personal lending lineup covers the full consumer credit spectrum. Unsecured personal loans for debt consolidation, home improvements, medical expenses, or major purchases. Auto loans for new and used vehicles with competitive member rates and flexible terms from 24 to 84 months. Share-secured loans that let you borrow against your certificate or savings balance without breaking a term.
All consumer loan applications can be submitted online through online banking or at a branch. Most personal loan decisions are rendered within one business day. Members with strong credit history often qualify for rates significantly below what a major bank would quote for the same product. See current rates on the personal loans page and auto loans page.
View Personal Loan Rates
First Community Credit Union offers fixed-rate and adjustable-rate mortgages for home purchases and refinances, with local underwriting decisions and competitive member pricing. Home equity loans provide a fixed lump sum at a fixed rate. Home equity lines of credit (HELOCs) offer revolving access to equity at a variable rate tied to Prime.
The credit union's not-for-profit structure means closing costs and origination fees are kept lean — a meaningful saving on a six-figure transaction. NMLS #489352 governs all mortgage lending activity. Current mortgage rates and pre-qualification are available on the mortgages page.
View Mortgage Rates
| Product | Category | Key Feature | Learn More |
|---|---|---|---|
| Checking Account | Deposit | No monthly fees; debit card; Zelle | Checking |
| Share Savings | Deposit | Dividends from day one; $5 minimum | Savings |
| Money Market | Deposit | Tiered dividends; check access; liquid | Money Market |
| Share Certificate | Deposit | Up to 4.85% APY; 3–60 month terms | Certificates |
| Personal Loan | Lending | Unsecured; same-day decisions common | Personal Loans |
| Auto Loan | Lending | New and used; 24–84 month terms | Auto Loans |
| Mortgage | Lending | Fixed and ARM; local underwriting; NMLS #489352 | Mortgages |
| Online Banking | Digital | Transfers, bill pay, Zelle, statements | Online Banking |
| Mobile App | Digital | iOS and Android; mobile deposit; Face ID | Mobile App |
| Business Banking | Business | Checking, savings, loans, SBA, merchant services | Business |
The digital tools members use most, all available through the same login credentials.
Full-featured web banking with account overview, internal and external transfers, bill pay, Zelle, stop payments, e-statements (7-year history), secure messaging, and loan payment scheduling. No download — works in any modern browser.
iOS (15.0+) and Android (11.0+) app with mobile check deposit (up to $5,000/day), Touch ID and Face ID login, debit card freeze/unfreeze, ATM locator, and push notification alerts. Free to download.
Unlimited free bill pay with eBill integration and a payment guarantee. Domestic and international wire transfers. Zelle peer-to-peer payments. External ACH transfers to linked accounts at other banks.
Existing members: log in at firstcommunity.co.com/login.html. New members: open your account with a $5 share deposit in under 10 minutes online. Call (800) 342-8575 with any questions.
Member Login"First Community" is shorthand for First Community Credit Union — a member-owned, not-for-profit financial cooperative federally insured by the NCUA at firstcommunity.co.com. Members own the institution and receive profits back as dividends on share accounts, lower rates on loans, and free services like bill pay and online banking. For NCUA verification, see ncua.gov.
Visit firstcommunity.co.com/login.html and enter your username and password. First-time users select "Enroll" and complete identity verification with their member number, last four SSN digits, and date of birth. The mobile app supports Touch ID and Face ID login. For a complete walkthrough, see the login guide.
First Community Credit Union offers checking accounts (free, no minimums), share savings accounts (dividends from day one), money market accounts (tiered rates), and share certificates (up to 4.85% APY on 12-month terms). Business accounts including business checking and business savings are also available.
First Community Credit Union offers personal loans, auto loans, mortgages (fixed and adjustable rate, NMLS #489352), home equity loans and lines of credit, share-secured loans, credit cards, business loans, and SBA 7(a) and 504 loans. Member loan rates typically run 0.5–1.5% below national bank averages.
First Community CU