1st Community Credit Union Ballinger TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to 1st Community, your trusted partner in financial well-being, located at 121 N 8th St, Ballinger, TX 76821. Established in 1953, we have proudly served our community for decades, fostering a spirit of cooperation and support among our 23,643 members. With total assets reaching an impressive $397,116,654, we are dedicated to providing robust financial services tailored to meet the diverse needs of our members. At 1st Community, we understand that banking is more than just numbers; it's about building relationships and empowering individuals. Our team, led by CEO Bill Nikolauk and Board President Robert Brewer, is committed to your success. We offer a wide range of services including personal banking, auto loans, mortgages, business banking solutions, and online services that make managing your finances easier than ever. For those looking to finance their dreams or consolidate debt, our total loans amount to 13,847 with total deposits standing at $27,227,279. Our strong net worth of $52,692,353 reflects our stability and commitment to serving you with integrity and transparency. While members can visit us at our branch location for personalized service during our operating hours from 9:00 AM to 1:00 PM and 2:00 PM to 5:00 PM on weekdays, official correspondence should be sent to the same address as listed above. We invite you to explore what makes us unique. Feel free to reach out at (325) 365-2105 or visit us online at 1cfcu.org for more information on how we can assist you. Join us in creating a brighter financial future together!

Branch History & Mission

Welcome to 1st Community, a cornerstone of financial support and community engagement in Ballinger, Texas. Established in 1953, our branch has been on a remarkable journey, growing alongside our members and adapting to their evolving needs. Over the decades, we have proudly served our community, fostering a strong sense of belonging among our members. Located at 121 N 8th St in Ballinger, TX 76821, we are easily accessible for those in the area. Our commitment to providing quality financial services has enabled us to grow our membership to over 23,600 individuals. With total assets now exceeding $397 million, we stand as a trusted partner in achieving financial goals for families and businesses alike. At 1st Community, our mission is clear: to empower our members through comprehensive financial solutions while actively supporting the communities we serve. We understand that banking is not just about transactions; it's about building relationships and contributing positively to society. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage financing, and business banking solutions. We also embrace modern technology with online and mobile banking options that ensure convenience without sacrificing personal touch. While members can visit us at 121 N 8Th St Ballinger Tx 76821, official correspondence should be sent to 121 N 8th St, Ballinger, TX 76821. As part of our commitment to accessibility, we maintain ADA compliance throughout our facilities. Although we currently do not offer ATM or drive-thru services, we encourage you to reach out via phone at (325) 365-2105 during our operating hours from 9:00 AM to 1:00 PM and 2:00 PM to 5:00 PM on weekdays. Our dedication extends beyond banking services; we take pride in partnering with local organizations for community outreach initiatives aimed at fostering growth and improvement in Ballinger. Whether it's through educational programs or local sponsorships, we believe that giving back strengthens the fabric of our community. Join us at 1st Community today and discover how we can help you achieve your financial aspirations while being part of a family-oriented credit union that truly cares. Experience firsthand the benefits of membership and become a part of our ongoing legacy!

Branch Location & Accessibility

Get in Touch

We invite you to visit us soon! If you have any questions before coming by, feel free to give us a call at 325-365-2105. At 1st Community, we're not just about banking; we're about building relationships with our members and ensuring your financial journey is smooth and rewarding. Come see us today!

Operating Hours

Our friendly team is ready to assist you Monday through Friday from 9:00 AM to 1:00 PM and then again from 2:00 PM to 5:00 PM. Whether you need help with personal banking, auto loans, or any of our other services, we're here during these hours to cater to your needs.

Parking and Accessibility

When you visit us, you'll find ample parking right outside our door. We strive to make banking accessible for everyone, featuring ADA-compliant facilities and ramps to ensure all members can comfortably enter and navigate our space.

Services Offered

At the 1st Community branch, we offer a range of services designed with our members in mind. From checking and savings accounts to auto loans and mortgage refinancing, we have options that fit your financial goals. While we currently do not have ATM services or drive-thru banking available at this location, our dedicated staff is always on hand to provide personal assistance. If you need to send any official correspondence, please note that it should be directed to the same address as our branch: 121 N 8th St, Ballinger, TX 76821.

Member Eligibility

Joining 1st Community is like becoming part of a close-knit family that genuinely cares about your financial well-being. If you're wondering whether you qualify for membership, you'll be pleased to know that it's quite accessible! Anyone who lives, works, or worships in the area around our branch at 121 N 8Th St Ballinger Tx 76821 can become a member. Additionally, we welcome those who have family members already in our community. By joining 1st Community, you gain access to a range of benefits designed to make your banking experience more rewarding and supportive. The process to become a member is straightforward and welcoming. You can easily start your journey by checking out the detailed eligibility criteria at http://www.1cfcu.org/membership-2/. Once you're ready, simply visit our website or give us a call at (325) 365-2105 for assistance with opening your account online at https://apply.1cfcu.org/. We can't wait to welcome you into the 1st Community community!

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 manage transactions smoothly while focusing on your business goals. Our merchant services offer practical solutions that allow you to accept payments effortlessly. Whether you're selling online or at a local market, we provide the support necessary for your financial transactions to run without a hitch. Located at 121 N 8th St, Ballinger, TX 76821, we are here to help your business thrive. Let us be your partner in success! Reach out to us at (325) 365-2105 for more information.

Comprehensive List Of Services

Business Banking Options

We don't stop at personal finance; our commitment extends to businesses as well. Our Business Banking services include merchant services and business loans tailored to support local enterprises. If you're an entrepreneur looking for funding or tools to streamline operations, we are here to help.

Credit Card Benefits

Our Credit Cards with Rewards not only allow you to make purchases easily but also offer perks that can save you money in the long run. Picture yourself earning cash back or travel rewards every time you swipe it's just one more way we put value back into your hands.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features, allowing you to access your accounts anytime, anywhere. From checking balances and transferring funds to paying bills on the go, our digital tools simplify managing your finances. Even though we don't have ATM facilities at this location, our team is always ready to assist you during lobby hours from 9:00 AM to 1:00 PM and 2:00 PM to 5:00 PM Monday through Friday. You can reach us at 325-365-2105 if you have any questions or need assistance.

Get Started Today!

At 1st Community, located at 121 N 8th St Ballinger TX 76821, we are dedicated to serving our members with care and integrity. We invite you to explore how our various services can benefit you personally or professionally. Visit us online at 1cfcu.org for more information or stop by our branch today! Your financial journey starts here let us help guide the way!

Personal Banking Solutions

For individuals seeking to manage their finances effectively, we offer Personal Banking services that include checking and savings accounts. Imagine having a secure place for your funds while earning interest over time. Our accounts are user-friendly and designed with your needs in mind, making it easy to save for that dream vacation or unexpected expenses. If you're considering purchasing a new car or need financing for a vehicle, our Auto Loans & Vehicle Financing options can get you on the road quickly. With competitive rates and flexible terms, we work hard to ensure that you find the best fit for your budget. Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we guide you through every step of the process to make it as straightforward as possible. For those looking to consolidate debt or cover personal expenses, our Personal Loans & Debt Consolidation solutions provide financial flexibility. You can manage your obligations more efficiently and work towards a brighter financial future.

Digital & Online Banking

Key Features of Our Online Banking Services

Imagine checking your account balance while waiting in line or transferring money to a friend with just a few taps on your phone. Our online banking platform makes this a reality! You can easily view e-statements whenever you need them, keeping all your financial information organized and accessible. And for those times when you want to send money quickly, our person-to-person transfer feature lets you send cash directly to anyone, no matter where they are.

Security Meets Convenience

Your security is our top priority. With electronic signature authorization available, you can sign important documents securely from the comfort of your home. Plus, our mobile application provides added convenience, allowing you to manage your finances right from your smartphone. Whether you're making mobile payments or checking transaction history, everything is designed to be user-friendly and safe.

Stay Connected Anytime, Anywhere

The beauty of digital banking is that it keeps you connected with your finances in real-time. Need to check if that last payment went through? Or perhaps you want to set up automatic transfers? With 1st Community's online banking services, these tasks are simple and quick. We make sure that whether you're at home or on the go, accessing your accounts is hassle-free. Experience the ease and security of banking with us at 1st Community today! For more details about our digital services, visit us at https://1cfcu.org/.

Financial Strength

Commitment to Innovation

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

Total Share and Deposit Accounts: 44,729, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,719,409 highlight our ability to support your financial journey effectively. 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 121 N 8Th St Ballinger Tx 76821 or call (325) 365-2105 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth Opportunities

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. 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.

Operational Efficiency

Our $3,502,325 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

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.

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 want to finance a brand-new model or a reliable used car, we have options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand. We understand the challenges small businesses face and are here to support your ambitions. Additionally, if you're considering refinancing any of these loans or want to know more about eligibility options available to you, feel free to reach out for more information. You can visit us at our branch located at 121 N 8Th St Ballinger Tx 76821, or give us a call at 325-365-2105 during our operating hours from 9:00 AM - 1:00 PM & 2:00 PM - 5:00 PM Monday through Friday. For more details about our services or to start an application online, please check out our website at 1cfcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,053,900. We make buying or refinancing simple so you can focus on creating a space that feels like 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. These cards provide you with the freedom to make purchases without tying up your savings.

Loan Aggregator

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Ensuring 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 commitment ensures that users receive fair and transparent offers. Each loan listing is verified, allowing users to compare options with confidence.

1St Community