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

Introduction

Welcome to 1st Community at Wildewood, where our commitment to serving you is at the heart of everything we do. Located at 3505 Wildewood Dr, San Angelo, TX 76904, we have been a trusted financial partner since our establishment in 1953. With a membership base of over 23,643 members, we pride ourselves on being a community-focused credit union dedicated to your financial well-being. At 1st Community, we're not just about numbers; we're about people. Our total assets stand at an impressive $397,116,654, reflecting our solid foundation and ability to provide quality services. With total deposits reaching $27,227,279, we ensure that your money is safe and growing. Our net worth of $52,692,353 is a testament to our stability and reliability in managing your finances. Led by our passionate CEO, Bill Nikolauk, and Board President, Robert Brewer, our team of 106 dedicated employees is here to assist you with a range of services. Whether you need personal banking solutions like checking and savings accounts or are looking for auto loans and mortgage financing, we've got you covered. We also offer business banking options including merchant services and business loans to support local entrepreneurs. While members can visit us at the branch for all their financial needs, official correspondence should be sent to the same address: 3505 Wildewood Dr, San Angelo, TX 76904. Our doors are open from 7:30 AM to 6:00 PM on weekdays and 7:30 AM to 1:00 PM on Saturdays, making it easy for you to reach us when it matters most. Your trust means everything to us. With cash in hand totaling $3,554,359, we're prepared to support your financial journey every step of the way. If you're considering joining our credit union family or exploring new services, please don't hesitate to reach out! Call us at 325-653-1465 today or visit our website at 1cfcu.org for more information. Together, let's build a stronger financial future!

Branch History & Mission

Join Us!

We invite you to be part of something special. Experience the benefits of membership at 1st Community, where your financial success matters as much to us as it does to you. Visit us during our operating hours from 7:30 AM to 6:00 PM Monday through Friday and from 7:30 AM to 1:00 PM on Saturdays or give us a call at 325-653-1465. Let's build a brighter future together!

Our Journey

From humble beginnings to becoming a vital part of San Angelo's financial landscape, 1st Community has always aimed to put people first. We've adapted to meet the changing needs of our members while maintaining a strong focus on community values. Over the decades, we have expanded our services and embraced digital advancements that make banking more accessible. Whether it's through our online banking platform or mobile payments, we strive to offer convenient solutions for all. As we continue to grow, we remain committed to being ADA compliant and ensuring that everyone can access our services comfortably. The introduction of features like electronic signatures and e-statements is just one example of how we're modernizing for your benefit.

Our Mission

At 1st Community, our mission is simple yet impactful: we provide quality financial services while actively supporting our community. We understand that financial health is essential for personal growth and stability. That's why we offer a range of products including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We're not just about numbers; we believe in making a difference. Through partnerships with local organizations and outreach programs, we aim to uplift those around us. Together with our dedicated team comprising 106 employees, including both full-time and part-time staff we work tirelessly to foster an inclusive environment where every member feels valued. While you can visit us at 3505 Wildewood Dr, for any official correspondence, please use our mailing address: 3505 Wildewood Dr, San Angelo, TX 76904.

Branch Location & Accessibility

Operating Hours

Our doors are open to serve you Monday through Friday from 7:30 AM to 6:00 PM, and we also welcome you on Saturdays from 7:30 AM to 1:00 PM. Whether you're stopping by for a quick transaction or need assistance with your financial needs, we're here when you need us.

Parking and Accessibility

We understand that accessibility is key for our members. Our branch offers ample parking, including designated spots for individuals with disabilities. You'll find ramps and ADA-compliant features to ensure everyone can access our services with ease.

Services Available

At 1st Community, we take pride in offering a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to various loan solutions including auto loans and mortgages, we've got you covered. Need cash? Enjoy easy access with our ATM on site and take advantage of our drive-thru banking for quick transactions without leaving your vehicle. While members can visit us at 3505 Wildewood Dr, official correspondence should be sent to the same address for consistency. If you have any questions or would like more information about our services, don't hesitate to call us at 325-653-1465. We invite you to visit us today! At 1st Community, we're committed to helping you achieve your financial goals with friendly service in a welcoming environment.

Member Eligibility

At 1st Community, we believe that becoming a member is like joining a caring family, where your financial needs are always our priority. If you're looking to join us at our welcoming location at 3505 Wildewood Dr San Angelo Tx 76904, you'll find that membership is open to anyone who lives, works, or worships in our community. We also extend eligibility to family members of current members, making it easy for your loved ones to enjoy the same benefits. This inclusive approach means that whether you're a first-time account holder or someone looking for a better banking experience, we're here for you. Joining 1st Community comes with great advantages, from personalized service to competitive rates on loans and savings accounts. Plus, we offer a variety of products tailored to meet your financial goals. The application process is straightforward and can be initiated easily online just visit https://apply.1cfcu.org/ to get started. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (325) 653-1465. For more details about eligibility requirements, check out our website at http://www.1cfcu.org/membership-2/. We're excited to welcome you into our community!

Business Banking & Commercial Services

Financing Your Growth

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 that Empower

In addition to loans, we provide robust merchant services. Imagine a local café using our point-of-sale systems to accept payments seamlessly while managing inventory effortlessly. Our tools help businesses streamline operations and focus on what they do best serving their customers. Let's work together to turn your vision into reality. Visit us or call 325-653-1465 to learn more about how our business banking solutions can empower your company's success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions. From merchant services that simplify transactions to business loans that help you expand your operations, we're dedicated to fueling your entrepreneurial spirit.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features let you manage your accounts anytime, anywhere. Check balances, transfer funds, or even pay bills right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available at various locations, accessing your money has never been easier.

Credit Options and Rewards

Who doesn't love rewards? With our Credit Cards with Rewards, every purchase brings you closer to exciting benefits. Use it for daily purchases or larger expenses, and watch your rewards grow!

Drive-Thru and ATM Services

For those who prefer face-to-face interactions without leaving their vehicles, we provide basic Drive-Thru Banking for deposits, withdrawals, and simple transactions. Our ATMs are always ready for quick withdrawals and balance checks.

Join Us Today!

Whether you're looking for personal banking solutions or business support, 1st Community is here for you! Call us at (325) 653-1465 or visit us at 3505 Wildewood Dr San Angelo Tx 76904 in San Angelo to learn more about how we can assist you on your financial journey. Don't wait experience the difference with us today!

Personal Banking Solutions

Managing your finances should be simple and convenient. That's why we offer Personal Banking services, including checking and savings accounts that help you keep track of your money effortlessly. Whether you're saving for a special occasion or managing everyday expenses, our accounts are designed with you in mind. Need a new vehicle? Our Auto Loans & Vehicle Financing options make it easy for you to drive away in your dream car without breaking the bank. We understand that purchasing a home is a big step, so we also provide Mortgage Loans & Refinancing tailored to fit your lifestyle and budget. If you're looking to consolidate debt or cover unexpected expenses, our Personal Loans & Debt Consolidation services are here to help. With competitive rates and flexible terms, we aim to support you during challenging times.

Digital & Online Banking

Key Services

Our online banking services are easy to access through https://1cfcu.org/. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. You can also take advantage of electronic signature authorization, making it simple to handle documents without the hassle of printing or mailing them. If you're looking for an eco-friendly way to keep track of your finances, we offer e-statements that provide a quick overview of your account right from your device. Plus, our mobile application puts all these features right in your pocket. You can download the app and have access to real-time account management whenever you need it.

More Features

In addition to traditional banking functions, 1st Community offers person-to-person transfers, allowing you to send money easily to friends and family. And if you're always on the go, our mobile payments feature lets you make purchases directly from your phone no need for cash or cards! With 24/7 online banking services available at 1st Community, managing your finances has never been easier or more secure. We prioritize your safety with robust security measures, ensuring that your personal information is always protected. Experience the future of banking with us today! Visit https://1cfcu.org/ for more information on how our digital and online banking services can benefit you.

Financial Strength

Commitment to Growth

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. Our lending capacity supports members' financial goals across various sectors with $3,255 in used auto loans and $277,903,375 in total loans and leases.

Growing Membership Base

We currently manage a total of 44,729 share and deposit accounts, demonstrating a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments stand at $8,719,409, showing our capacity to support your financial aspirations. 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 3505 Wildewood Dr San Angelo Tx 76904 or call (325) 653-1465 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. Unlike traditional banks, we prioritize our members. This approach is evident as we have maintained non-member deposits at $0, ensuring our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our efforts reflect in our $1,359,491, showcasing our operational efficiency which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees and 15 part-time employees who are always ready to assist you with their knowledge and dedication.

Solid Financial 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 13.20% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

For those interested in business opportunities, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand. Additionally, our total credit lines amounting to $84,587,761 give members access to funds when they need them most. We also have refinancing options available for many of our loan products. If you're considering refinancing an existing loan or checking your eligibility for one of our offerings, don't hesitate to reach out. If you have any questions or would like to learn more about our loan products, please contact us at (325) 653-1465, visit us at 3505 Wildewood Dr San Angelo Tx 76904, or check our website at https://1cfcu.org/. Our team is ready to assist you during our operating hours from 7:30 AM to 6:00 PM on weekdays and 7:30 AM to 1:00 PM on Saturdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey with confidence!

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 or used vehicle, we have flexible terms that fit your budget.

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 can help guide you through the process, making it easier for you to achieve your dream of owning a home.

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. This option provides you with the purchasing power you need while maintaining control over your spending.

Loan Aggregator

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1ST COMMUNITY FEDERAL CREDIT UNION - San Angelo, TX

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