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

Introduction

Welcome to 1st Community, your trusted partner in financial growth and stability, located at 3505 Wildewood Dr, San Angelo, TX 76904. Established in 1953, our credit union has been dedicated to serving the community with integrity and care for over seven decades. With a strong membership base of 23,643 members and total assets amounting to an impressive $397,116,654, we are here to provide personalized banking solutions tailored to your needs. At 1st Community, we understand that every member's journey is unique. Whether you're looking for auto loans, mortgage options, or personal banking services, our team is ready to assist you. Under the leadership of CEO Bill Nikolauk and Board President Robert Brewer, our committed staff of 106 employees works diligently to ensure you receive the best possible service. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address: PO Box 1216, Eldorado, TX 76936. We pride ourselves on our transparency; our financial health speaks volumes. With total deposits reaching $27,227,279 and a net worth of $52,692,353, we stand as a stable foundation for your financial future. We invite you to explore what makes us different! Visit our website at 1cfcu.org or call us at 325-853-2538 today. Join us in building a brighter financial future together!

Branch History & Mission

Community Engagement

We actively participate in community initiatives that uplift those around us. Through partnerships with local organizations and programs aimed at supporting education and financial literacy, we strive to give back and nurture growth within our community. Whether it's sponsoring events or offering workshops, we are dedicated to being more than just a credit union we want to be a cornerstone of support for everyone in San Angelo. While members can visit us at 3505 Wildewood Dr, official correspondence should be sent to PO Box 1216, Eldorado, TX 76936 if needed. Our team is always available during operating hours Monday through Friday from 8:00 AM to 1:00 PM & 2:00 PM to 5:30 PM, and Saturdays from 8:00 AM to 12:00 PM to assist you with any inquiries.

Join Us Today!

As we continue this journey together, we invite you to experience the benefits of membership at 1st Community. Join us today and see how we can help you achieve your financial goals while contributing positively to our beloved San Angelo community. Together, let's build a brighter future! For more information or to open an account, visit us online at 1cfcu.org or call us at 325-853-2538.

Our Mission

At the heart of 1st Community lies our mission: to enhance the financial well-being of our members while making a positive impact in the communities we serve. We offer a wide range of services including personal banking, auto loans, mortgage loans, business banking, and more all tailored to fit the unique needs of each member. Our goal is not just to provide financial services but to empower individuals and families through education and community outreach. Our approach goes beyond traditional banking; we embrace digital advancements such as online banking and mobile payments to make managing finances easier for our members. We also ensure accessibility by maintaining ADA compliance across all platforms.

Branch Location & Accessibility

Convenient Access

Our location offers plenty of parking spaces right outside the entrance, so you won't have to worry about finding a spot. The branch is fully ADA compliant with ramps and accessible entrances, ensuring that all members can visit us comfortably. If you prefer to bank from your vehicle, we also offer drive-thru services for quick deposits and withdrawals.

Operating Hours

We understand that life can get busy! That's why we're here for you during flexible hours. Our lobby is open Monday through Friday from 8:00 AM to 1:00 PM and again from 2:00 PM to 5:30 PM. On Saturdays, we're available from 8:00 AM to 12:00 PM. If you have any questions or need assistance, don't hesitate to give us a call at 325-853-2538.

Services Offered

At our Eldorado branch, we provide a variety of personal banking services tailored to fit your lifestyle. Whether you're looking for checking and savings accounts, auto loans, or even business banking solutions, we've got you covered. Plus, with ATM availability and basic drive-thru services, managing your finances has never been easier. While members can visit us at 3505 Wildewood Dr for all their banking needs, official correspondence should be sent to our mailing address at PO Box 1216, Eldorado, TX 76936. We invite you to stop by and experience the welcoming atmosphere and dedicated service at 1st Community. We're here to help you thrive financially!

Member Eligibility

At 1st Community, we believe that everyone deserves a chance to be part of a welcoming financial community. Becoming a member is straightforward and open to individuals who live, work, or worship in the area served by our branch at 3505 Wildewood Dr San Angelo Tx 76904. If you're looking for a place where your financial needs are prioritized, you'll find it here! We value every member and offer benefits like competitive loan rates, personalized service, and community support that make banking with us a rewarding experience. If you're ready to join us, it's as easy as visiting our website or giving us a call at (325) 853-2538. For detailed eligibility criteria, check out our resource page at http://www.1cfcu.org/membership-2/. And when you're set to open your account, simply follow the easy steps outlined on our account opening page at https://apply.1cfcu.org/. We can't wait to welcome you into the 1st Community family!

Business Banking & Commercial Services

Commercial Loans That Fuel 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.

Practical Merchant Services

In today's fast-paced market, accepting payments efficiently is crucial. Our merchant services help businesses streamline transactions, allowing you to focus on what really matters growing your business. Imagine being able to process payments quickly and securely while having access to tools that help you manage sales data effortlessly. This means more time for you to innovate and serve your customers. Discover how 1st Community can partner with you on your journey toward success at our location: 3505 Wildewood Dr San Angelo Tx 76904 in San Angelo, TX. For more information, give us a call at (325) 853-2538. Your business deserves the best support, and we're here to provide it!

Comprehensive List Of Services

ATM Access and Drive-Thru Services

Need quick access to cash? Our branch offers an ATM for withdrawals and balance checks whenever you need it. Plus, our basic drive-thru service allows for easy deposits and withdrawals without leaving your vehicle perfect for those busy days! We invite you to experience all that 1st Community has to offer. For any questions or assistance, please call us at 325-853-2538 or visit us at our branch in San Angelo. We're here to help you achieve your financial goals! To learn more about becoming a member or opening an account today, click here.

Business Banking Services

If you're a small business owner, you'll appreciate our business banking services, including merchant services and business loans. We understand the unique challenges faced by local businesses and are here to support your growth with products designed just for you.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that let you manage your accounts anytime, anywhere. You can check balances, transfer money, pay bills, and even send money to friends with our secure person-to-person payment feature.

Credit Cards and Rewards

For those who enjoy earning rewards on their purchases, we offer credit cards with rewards that allow you to earn points on every dollar spent. It's a great way to make everyday purchases work for you!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed for all lifestyles. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking straightforward. If you need to finance a new car, our auto loans and vehicle financing solutions provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. Thinking about buying a home? Our mortgage loans and refinancing options can guide you through the home-buying process or help lower your monthly payments if you're looking to refinance an existing loan. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans are available to give you the financial relief you need.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check your account balance, view transactions, and transfer funds at your convenience. Whether you're at home or on the go, managing your money has never been easier. For those who prefer mobile solutions, our user-friendly mobile application gives you full access to all your banking needs right from your smartphone. Need to send money quickly? With our person-to-person transfer feature, you can easily send money to friends or family with just a few taps on your phone. Plus, if you're looking for an eco-friendly option, we offer e-statements that let you view your account statements online no paper needed!

Security and Ease of Use

We understand how important security is when it comes to banking online. That's why we use electronic signature authorization for added protection on sensitive transactions. You can rest easy knowing that your financial information is safe with us. Whether you're using our mobile payments feature or checking out our online services, everything is designed with you in mind. Our platform is not only secure but also incredibly user-friendly, ensuring that even those new to online banking can navigate it with ease. In short, at 1st Community, we aim to provide you with the tools you need for real-time account management while keeping convenience and security at the forefront of everything we do. Experience hassle-free banking today!

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, which reflects our commitment to serving you with confidence. 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 with $3,255 in used auto loans and $277,903,375 in total loans and leases. 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. Net Shares (Funds available for lending and investments): $8,719,409. Total Share and Deposit Accounts: 44,729, showing a strong and growing member base that trusts us with their finances. 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) 853-2538 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

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, our flexible terms can accommodate your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are here to support your journey toward success. To learn more about our loan offerings or eligibility requirements, feel free to call us at 325-853-2538 or visit 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 in your financial journey!

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 are committed to helping you navigate the home loan process with ease.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we provide refinancing options across many of our loan products. Speak with one of our representatives to learn how you can benefit from reduced rates or improved terms.

Unsecured Credit Cards

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. Enjoy rewards and features that fit your lifestyle without the burden of high-interest rates.

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 commitment to sourcing ensures that all offers are fair and transparent. Each loan listing undergoes thorough verification, so users can trust they are receiving accurate information.

1St Community