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

Introduction

Welcome to 1st Community, your trusted financial partner located at 3505 Wildewood Dr, San Angelo, TX 76904. Since our establishment in 1953, we have been dedicated to serving our community and providing exceptional banking services tailored to meet the needs of our 23,643 members. With a strong commitment to financial health and growth, we proudly manage $397,116,654 in total assets, ensuring that your savings and investments are in safe hands. At 1st Community, we believe in the power of community and strive to make a positive impact on the lives of our members. Our team, led by CEO Bill Nikolauk and Board President Robert Brewer, is passionate about helping you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts or loans for your next vehicle or home purchase, we've got you covered with over 13,847 loans issued to date. While members can visit us at our branch location, official correspondence should be sent to the same address: 3505 Wildewood Dr, San Angelo, TX 76904. We understand that convenience is key; that's why we offer various services including online and mobile banking options. Feel free to reach out at 325-653-1465 for any questions or assistance. With a solid net worth of $52,692,353 and cash reserves of $3,554,359, we are well-positioned to support our members through all stages of their financial journey. Join us at 1st Community today and experience personalized service that puts you first. Visit our website at 1cfcu.org or stop by to learn more about how we can assist you!

Branch History & Mission

Welcome to 1st Community, a credit union with a proud legacy and a commitment to serving the community of San Angelo, Texas. Established in 1953, we have grown alongside our members and the community, evolving from humble beginnings into a trusted financial partner for over 23,000 members today. Our branch is located at 3505 Wildewood Dr, San Angelo, TX 76904, a convenient spot near local parks and schools, making it easily accessible for all. Our mission at 1st Community is simple yet powerful: to provide our members with quality financial services while fostering a strong sense of community. We believe that when our members thrive, our entire community benefits. With total assets exceeding $397 million, we are dedicated to delivering personalized banking experiences that meet the diverse needs of our members. Over the years, we have embraced technological advancements to make banking easier and more accessible. From online banking and mobile applications to ATMs available on-site, we ensure that your banking experience is smooth and efficient. We also offer drive-thru services for quick transactions and in-person assistance during our operating hours from 7:30 AM to 6:00 PM Monday through Friday and 7:30 AM to 1:00 PM on Saturday. While you can visit us at our branch address for your banking needs, please note that official correspondence should be sent to the same location: 3505 Wildewood Dr, San Angelo, TX 76904. At 1st Community, we pride ourselves not just on being a financial institution but also as an active participant in community development. We engage in various outreach efforts and partnerships aimed at uplifting those around us. Whether it's through financial education programs or community events, we strive to make a positive impact. Join us at 1st Community and experience the difference of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a stronger future for San Angelo! For more information or to become a member, call us at 325-653-1465 or visit our website at 1cfcu.org.

Branch Location & Accessibility

Communication Made Easy

While you're welcome to visit us at our physical address for all your banking needs, please note that any official correspondence should be directed to the same location: 3505 Wildewood Dr, San Angelo, TX 76904. If you have any questions or would like more information about our services, feel free to give us a call at 325-653-1465. We're always ready to help! We look forward to seeing you soon at the 1st Community branch where your financial journey begins!

Convenient Access and Features

At 1st Community, we prioritize accessibility for all our members. Our location boasts ample parking spaces and features that comply with ADA standards, ensuring that everyone can comfortably visit our branch. Whether you're stopping by to open an account, apply for a loan, or simply ask a question, our friendly staff is here to assist you. For those who prefer banking on-the-go, we offer ATM availability and drive-thru banking services. You can quickly make deposits or withdrawals without leaving your car. Plus, our drive-thru hours align with our lobby hours: Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 7:30 AM to 1:00 PM.

Member Eligibility

At 1st Community, we believe that becoming a member means joining a supportive community where your financial well-being is our top priority. If you're wondering whether you qualify to be part of our family, you'll be pleased to know that eligibility is quite accessible! Generally, anyone who lives, works, worships, or attends school in the San Angelo area can join us. This means that whether you're a local resident or just passing through, you have the opportunity to enjoy all the benefits we offer, from competitive loan rates to personalized service. For detailed eligibility criteria, feel free to explore more at http://www.1cfcu.org/membership-2/. Getting started is simple! Once you find out that you're eligible, opening an account with us is just a click away. You can complete the process online through our easy-to-use application at https://apply.1cfcu.org/, or if you prefer a personal touch, don't hesitate to give us a call at (325) 653-1465. We're here to assist you every step of the way and ensure your experience with 1st Community is nothing short of exceptional. Welcome aboard!

Business Banking & Commercial Services

At 1st Community, we understand that every business has its unique story and challenges. Whether you're a startup ready to launch or an established company aiming to expand, our business banking and commercial services are designed to support your journey. Imagine securing the funds needed to purchase new equipment or invest in marketing that elevates your brand this is where we come in. 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. In addition to loans, we offer merchant services tailored to enhance your operations. Picture this: a local cafe seamlessly processing payments while tracking sales analytics all from one platform. That's the practical benefit of our merchant services, helping you focus on what matters most: growing your business. Located at 3505 Wildewood Dr San Angelo Tx 76904 in San Angelo, TX, we invite you to explore how our business banking solutions can empower your entrepreneurial vision. For more information, call us at (325) 653-1465 or visit our website at https://1cfcu.org/.

Comprehensive List Of Services

Business Banking Services

If you're a business owner or planning to start one, our business banking services include everything from merchant services to business loans. We aim to support local businesses by providing financial solutions that promote growth and success.

Convenience at Your Fingertips

At 1st Community, we know convenience is key. That's why we offer ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits and withdrawals. Our branch features ensure that whether you're visiting us in person or accessing us online, your banking experience is smooth and efficient. Our commitment doesn't stop there; we also provide access to essential features like mobile payments and person-to-person transfers, making it easier than ever for you to manage your finances on the go. We invite you to visit us at our branch located at 3505 Wildewood Dr, San Angelo, TX 76904, or give us a call at 325-653-1465 if you have any questions about our services. Explore how we can assist you today!

Credit Options

For those times when you need extra cash or want to consolidate debt, our personal loans can give you the financial boost you're looking for. Plus, our credit cards with rewards allow you to earn while you spend perfect for those who enjoy getting something back from their purchases.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services are designed with your needs in mind. Whether you're a first-time buyer or looking to refinance an existing loan, we offer competitive rates and flexible terms to fit your budget.

Personal Banking Solutions

Our personal banking options make it easy for you to handle your money. We offer checking and savings accounts that fit various lifestyles. Need a reliable way to save for future goals? Our savings accounts can help you grow your funds over time. You can easily access these accounts through our online and mobile banking platforms, allowing you to check balances, transfer funds, and pay bills from anywhere. When it comes to financing, we understand that life can bring unexpected expenses. That's why we provide auto loans and vehicle financing options tailored just for you. Imagine driving off in your dream car without the stress of complicated loan processes. Our team is here to guide you through every step.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access to your accounts. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our mobile application, managing your finances on the go has never been easier. You can even make mobile payments right from your smartphone! Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents securely without the hassle of printing or mailing. This means you can complete transactions quickly and safely from the comfort of your home. For those who prefer to keep track of their finances electronically, we offer e-statements as an option. This paperless way to view your account statements not only helps the environment but also makes it easier for you to manage your records. Need to send money to a friend? With our person-to-person transfer service, sending funds is quick and straightforward. Whether it's splitting a bill or gifting money for a special occasion, you can do it all with ease. In summary, at 1st Community, we strive to provide accessible and user-friendly digital banking solutions that help you stay in control of your finances. Join us today and experience the convenience of modern banking!

Financial Strength

At 1st Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, which reflects our commitment to providing reliable services and support. 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. 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. 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 your financial goals across various sectors with $3,255 in used auto loans and $277,903,375 in total loans and leases. Our efficient operations have led to a net income of $3,502,325, 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 serve you with a knowledgeable, committed team. The funds available for lending and investments stand at $8,719,409, highlighting our capacity to support your financial needs. Furthermore, with a total of 44,729 share accounts, it's clear that more members trust us with their finances every day. 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

We also cater to business owners with outstanding commercial loans totaling $38,303,407, providing the capital needed to grow and expand your business. If you're interested in refinancing any of our loan products or checking your eligibility for various offers, visit our website or contact us directly at 325-653-1465. 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 here to support you every step of the way as you navigate your financial journey. Whether it's a new vehicle or your first home, let us help you get there!

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 purchasing a brand-new vehicle or a reliable used car, we have flexible financing options available.

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing expenses, our credit lines total $84,587,761, offering you easy access to funds when you need them most. Additionally, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,053,900, making buying or refinancing simple. We provide personalized service and guidance throughout the process to ensure you find the right mortgage for your situation.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that users receive fair and transparent offers. By partnering with recognized lenders, LendMesh guarantees that all loan comparisons are based on verified data.

1St Community