Low Mortgage Rates & Auto Loans | 1st Community San Angelo TX Credit Union

Introduction

Welcome to 1st Community, your trusted partner in financial well-being! Located at 620 W 29th St, San Angelo, TX 76903, our branch has proudly served the community since 1953. With a membership base of over 23,643 individuals, we are committed to providing personalized banking services that cater to your unique needs. At 1st Community, we understand that financial decisions can be overwhelming. That's why our dedicated team of 106 employees, led by CEO Bill Nikolauk and Board President Robert Brewer, is here to guide you every step of the way. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions all designed with your success in mind. Our financial health speaks for itself. With total assets amounting to an impressive $397,116,654 and total deposits reaching $27,227,279, we ensure that your money is not only safe but also working hard for you. Our commitment extends beyond numbers; it reflects our dedication to fostering a thriving community where everyone can achieve their financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 3505 Wildewood Dr, San Angelo, TX 76904. Whether you're looking for an auto loan or need assistance with online banking services, we invite you to reach out. Call us at 325-653-1465 or visit our website at 1cfcu.org to discover how we can support your financial journey today!

Branch History & Mission

A Place for Everyone

While you can visit us at 620 W 29th St, official correspondence should be directed to 3505 Wildewood Dr, San Angelo, TX 76904 if different from our branch address. Our doors are open Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 7:30 AM to 1:00 PM, making it easy for you to come by when it suits your schedule. Additionally, we offer ATM availability and drive-thru services for those who prefer quick transactions. Our commitment extends beyond traditional banking; it's about being there for you during important life moments. We actively engage with our members through outreach programs and community initiatives that align with their needs and aspirations.

Commitment to Our Community

Over the years, we have celebrated many milestones that highlight our dedication to both our members and the broader community. From supporting local events to partnering with schools and organizations, we strive to make a positive impact wherever we can. We understand that true success lies not just in numbers but in relationships built on trust and service. As we embrace modern advancements, 1st Community is proud to offer digital banking services that allow our members to manage their finances conveniently. Whether it's through online banking or mobile applications, our goal is to make your banking experience as smooth as possible. Plus, with ADA compliance measures in place, we're committed to ensuring that all members can access our services without barriers.

Join Us Today!

At 1st Community, we invite you to experience the difference that comes from being part of a member-focused credit union. Join us today and discover how we can help you reach your financial goals while contributing positively to our beloved San Angelo community. Together, let's build a brighter future! For more information on membership eligibility or to open an account online, visit our website or give us a call at (325) 653-1465.

Branch Location & Accessibility

Accessibility Features

At 1st Community, we prioritize making your banking experience as easy as possible. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps. Ample parking is available nearby, ensuring you can find a spot without hassle.

Get in Touch

We invite you to come by or give us a call at 325-653-1465 if you have any questions or need assistance. Our friendly staff is ready to help you navigate your financial journey! Visit us today and experience the community-focused service that makes 1st Community your trusted partner in banking.

Operating Hours

We know your time is valuable. That's why our doors are open Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 7:30 AM to 1:00 PM. These extended hours make it easier for you to fit banking into your busy schedule.

Services Offered

Our Northside branch offers a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Enjoy the convenience of our ATM services available on-site or utilize our drive-thru for quick deposits and withdrawals. If you're interested in business banking solutions, we provide merchant services and business loans to help you grow. Plus, with online and mobile banking options, managing your finances has never been simpler.

Member Eligibility

Becoming a member of 1st Community feels like joining a warm and welcoming community where your financial needs are truly understood. To qualify for membership, you simply need to be a resident, work, or attend school in the areas we serve. Whether you're looking for personal banking services, auto loans, or even business solutions, we're here to support you every step of the way. The process is easy and inviting simply visit us at 620 W 29Th St San Angelo Tx 76903 or check out our eligibility details at http://www.1cfcu.org/membership-2/ for the most current information. If you're ready to open an account, just head over to https://apply.1cfcu.org/ and follow the straightforward instructions. Have questions? Feel free to give us a call at (325) 653-1465; we're happy to help!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $88 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $38,303,407, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools you need to accept payments easily and securely. Our merchant services allow businesses like yours to process transactions smoothly. From credit card processing to mobile payment solutions, we simplify your financial operations so you can focus on what matters most growing your business. Located at 620 W 29Th St, San Angelo, TX 76903, 1st Community is dedicated to empowering local businesses. Reach out to us at 325-653-1465 or visit our website at 1cfcu.org to learn more about how we can assist you today!

Comprehensive List Of Services

Accessibility Made Easy

At 1st Community, we also prioritize accessibility with basic drive-thru banking for quick deposits, withdrawals, and simple transactions. Our ATM services allow for easy withdrawals and balance checks without stepping into the branch. We invite you to explore all the financial possibilities at Northside. If you have any questions or need assistance with any of our services, don't hesitate to reach out! Call us at (325) 653-1465 or visit us at our branch location. We're excited to be part of your financial journey!

Business Banking Services

For business owners, we provide comprehensive banking solutions that support your enterprise's growth. Our business banking services include merchant services that simplify transactions and business loans designed to fuel your ambitions. We believe in empowering local businesses because when you succeed, our community thrives.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking options. You can easily manage your accounts from anywhere whether it's paying bills on the go or transferring funds between accounts. Our ATM and cash withdrawal services ensure that you have access to your money whenever you need it.

Personal Banking Solutions

Our personal banking services include everything from checking and savings accounts designed for everyday needs to more specialized options. If you're planning to buy a new car, our auto loans and vehicle financing options can help you get on the road quickly and affordably. For those dreaming of homeownership or seeking better mortgage terms, our mortgage loans and refinancing solutions can pave the way. When life throws unexpected expenses your way, our personal loans and debt consolidation services can offer relief. Plus, with credit cards that come with rewards, managing your spending has never been easier or more rewarding.

Digital & Online Banking

At 1st Community, we understand that managing your finances should be as easy and secure as possible. That's why we offer a variety of digital and online banking services designed to give you control over your money anytime, anywhere. With our user-friendly platform, you can access your accounts with just a few clicks or taps. One of the standout features is our comprehensive online banking service, available 24/7 at https://1cfcu.org/ . Whether you want to check your balance, transfer funds, or pay bills, everything is right at your fingertips. You can also enjoy the convenience of e-statements no more paper clutter! This feature not only keeps your documents organized but also enhances security by reducing the risk of identity theft. For those on the go, our mobile application makes banking even simpler. You can send person-to-person transfers effortlessly with our secure system, making it easy to split bills or send money to friends and family. Plus, with mobile payments enabled, shopping has never been easier. Just tap your phone and go! Security is a top priority at 1st Community. Our electronic signature authorization allows for secure transactions without the need for paperwork, giving you peace of mind every time you bank online. Overall, our digital and online banking services are designed to enhance accessibility and provide real-time account management. With everything from mobile app capabilities to secure online transactions, managing your finances has never been more straightforward. Join us at 1st Community and experience banking that works for you!

Financial Strength

A Solid Foundation

With a net worth of $52,692,353, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,320 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Committed Team

We take pride in having 91 full-time employees and 15 part-time employees who are always ready to serve you with a knowledgeable, committed team. This dedication ensures that you receive personalized service every time you visit us.

Focused on Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Additionally, with $36,805,586 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Growing Together

Total Share and Deposit Accounts stand at 44,729, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $8,719,409, illustrating our capacity to support your needs now and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Community is your trusted partner. Visit us at 620 W 29Th St San Angelo Tx 76903 or call (325) 653-1465 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $85,906,587 in share certificates and $18,526,169 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to securing your funds sets us apart from traditional banks.

Supporting Your Goals

With $3,255 in used auto loans and $277,903,375 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our financial strength allows us to continue offering competitive loan rates while maintaining operational efficiency reflected in our $3,502,325.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $70,164,585 in used vehicle loans and $79,034,848 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or a reliable used vehicle, we have options tailored to your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we have financing solutions that can help you succeed.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,053,900, make buying or refinancing simple. We aim to support you every step of the way on your journey to homeownership.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility for new ones, our team is here to assist you. We can help navigate options that may save you money and better fit your current financial situation. We invite you to visit us at our branch located at 620 W 29Th St, San Angelo, TX 76903, or give us a call at 325-653-1465 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At 1st Community, we're dedicated to providing personal banking services that meet your needs from auto loans and mortgages to credit cards and business financing. Let us help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,646,620 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits designed to suit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling informed decision-making. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the platform can be in securing better financing options. Ready to take control of your financial future? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh maintains a commitment to accuracy and integrity in its comparisons.

1ST COMMUNITY FEDERAL CREDIT UNION - San Angelo, TX