1st Community San Angelo TX Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to 1st Community, your trusted financial partner located at 4141 College Hills Blvd, San Angelo, TX 76904. Since our establishment in 1953, we have been dedicated to serving our community with a strong commitment to helping you achieve your financial goals. With over 23,643 members and total assets reaching $397,116,654, we pride ourselves on providing personalized service that truly makes a difference. At 1st Community, we understand the importance of building lasting relationships with our members. Our experienced team of 106 employees, led by CEO Bill Nikolauk and Board President Robert Brewer, is here to guide you through various financial services. From checking and savings accounts to auto loans, mortgages, and business banking solutions, we are equipped to meet your needs. While members can visit us at our main branch for all their banking needs, official correspondence should be sent to our mailing address: 3505 Wildewood Dr, San Angelo, TX 76904. We also ensure that your money is secure with total deposits of $27,227,279 and a net worth of $52,692,353. Our commitment goes beyond just numbers; we strive to positively impact the lives of our members and the broader San Angelo community. With an impressive total loan portfolio of 13,847 loans and leases, we aim to provide opportunities for growth and success. If you're looking for a reliable credit union that puts its members first, look no further! Reach out to us at (325) 653-1465 or visit us online at 1cfcu.org to explore how we can assist you today. Join us in making a difference together!

Branch History & Mission

Community Engagement

Our dedication extends beyond banking. We actively engage in community outreach efforts that support education, health initiatives, and local businesses. Through partnerships with various organizations, we strive to make San Angelo a better place for everyone.

Join Us

As we look toward the future, we invite you to become part of the 1st Community family. Experience firsthand how we blend modern digital advancements with a personal touch in every interaction whether through online banking or face-to-face consultations during our operating hours from 9:00 AM to 5:00 PM on weekdays. Join us today and discover how 1st Community can help you achieve your financial goals while making a positive impact on our cherished community! For more information or to open an account, please visit our website or call us at (325) 653-1465.

Our Mission

At 1st Community, our mission is simple yet profound: to enhance the financial well-being of every member while contributing positively to the local community. We believe that banking should be more than just transactions; it should be about building connections and creating opportunities. We offer a range of services from personal banking and auto loans to business financing all designed with your needs in mind. We are not just about numbers; we're about people. Whether you need help managing your savings or securing a loan for your dream car, we're here for you every step of the way. While members can visit us at 4141 College Hills Blvd for personal service, official correspondence should be sent to 3505 Wildewood Dr, San Angelo, TX 76904.

Branch Location & Accessibility

Get in Touch

We're just a phone call away! Feel free to reach out at 325-653-1465 if you have any questions or need assistance. Our friendly team is eager to help you navigate your financial journey. So why wait? Come visit us today at 1st Community where community matters!

Operating Hours & Services

At 1st Community, we value your time. Our lobby hours are from 9:00 AM to 5:00 PM Monday through Friday, so you can stop by whenever it fits into your busy schedule. We offer a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Plus, our online and mobile banking options mean you can manage your finances anytime, anywhere.

Parking & Accessibility

Our branch offers ample parking to make your visit as smooth as possible. We also pride ourselves on being accessible for everyone. With features like ADA-compliant ramps and entrances, we ensure that all members can easily access our services.

Member Eligibility

Welcome to 1st Community, where becoming a member means joining a supportive family that values your financial well-being. If you're wondering about membership eligibility, we're here to help! You can qualify for membership at 1st Community if you live, work, worship, or attend school in the San Angelo area or have a family member who is already part of our community. It's all about fostering connections and supporting each other. By choosing to join us, you'll gain access to a range of services designed to meet your needs from personal banking and auto loans to business banking options. The process to become a member is straightforward and welcoming. Just visit us at 4141 College Hills Blvd, San Angelo, TX 76904, or give us a call at 325-653-1465 for any questions. For more detailed eligibility information, check out our website at 1cfcu.org/membership-2. When you're ready to open an account, you can do so easily online by visiting apply.1cfcu.org. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Practical Merchant Services

Imagine running your business with the confidence that you have reliable payment processing at your fingertips. Our merchant services provide easy solutions for accepting payments, so you can focus on what you do best serving your customers. From card transactions to online payments, we ensure your financial operations run smoothly. Visit us at 4141 College Hills Blvd San Angelo Tx 76904 in San Angelo, TX, or call us at (325) 653-1465 to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our Business Banking services are designed just for you. From merchant services that streamline payment processing to tailored Business Loans that support your company's growth, we aim to be your partner in success. Our understanding of local businesses allows us to provide personalized service suited to your unique needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at 1st Community, we emphasize our robust Online & Mobile Banking features. You can easily check balances, transfer money between accounts, and access statements all from the comfort of your home or on the go. While we don't currently have ATM or drive-thru services available at our branch location, our commitment remains strong in delivering exceptional member experiences through digital channels.

Get Started Today!

With so many services designed with you in mind, why not explore what 1st Community has to offer? If you're ready to take control of your financial future or have any questions about how we can assist you better, don't hesitate to reach out! Call us at 325-653-1465, visit us in person at our branch in San Angelo, or check out our website at 1cfcu.org. We look forward to serving you!

Managing Debt and Building Credit

For those needing assistance with personal finances, our Personal Loans & Debt Consolidation options can simplify your payments and reduce stress. Picture consolidating multiple debts into one manageable monthly payment this could be your path to financial freedom. We also offer Credit Cards with Rewards, which not only help you build credit but also provide cashback or points for every purchase you make. These rewards can add up quickly and give you benefits like travel discounts or cash back on everyday expenses.

Personal Banking Solutions

Our Personal Banking services include checking and savings accounts designed to help you manage your money effectively. Imagine having a reliable checking account that offers easy online access and mobile banking features. You can check your balance, transfer funds, and pay bills from anywhere with just a few taps on your smartphone. When it comes to financing your next vehicle, our Auto Loans & Vehicle Financing options make it easier than ever. We understand that purchasing a car is a big decision, and we're here to help with competitive rates tailored to fit your budget. In addition, if you're looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide flexible solutions that can help you achieve your dream of homeownership. Our team will work closely with you to find the best mortgage option that suits your financial situation.

Digital & Online Banking

Key Services

Our online banking platform at https://1cfcu.org/ gives you the ability to check balances, pay bills, and transfer funds at your convenience. No need to wait in line or adjust your schedule; everything you need is just a click away. Plus, if you're on the go, our mobile application makes it even simpler to stay on top of your finances right from your smartphone.

Security and Convenience

Security is a top priority for us. You can rest assured knowing that your transactions are protected with advanced security measures. Need to sign a document quickly? Our electronic signature authorization feature allows you to do just that without any hassle.

Send Money with Ease

Want to split a bill with friends? Our person-to-person transfers feature lets you send money easily, ensuring that sharing expenses is no longer a chore. And if you're looking for quick ways to pay for purchases, our mobile payments option has got you covered. At 1st Community, we're committed to providing accessible and user-friendly banking solutions tailored to fit your lifestyle. Whether you're checking balances at home or making transactions on the go, our digital banking services empower you with real-time account management at your fingertips. Explore all that we have to offer today at https://1cfcu.org/ !

Stay Organized with E-Statements

Say goodbye to paper clutter! With our e-statements, you'll receive your account statements electronically, making it easy to keep track of your financial activity while helping the environment.

Financial Strength

Conclusion

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 4141 College Hills Blvd San Angelo Tx 76904 or call (325) 653-1465 to learn more about how we can help you achieve your financial goals.

Growing Membership Base

Total Share Accounts: 44,729, show a strong and growing member base that trusts us with their finances. This indicates not just stability but a thriving community ready to work together towards mutual success.

Investing Back into Our Community

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 commitment to community support is also reflected in our lending capacity. We currently have $3,255 in used auto loans and $277,903,375 in total loans and leases available for our members' diverse needs.

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 dedicated to providing exceptional service at all times.

Secured Savings 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.

Strong 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're considering a brand-new vehicle or a reliable used option, we have financing solutions tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $38,303,407 provide the capital needed to grow and expand your enterprise. We are committed to supporting local businesses as they thrive within our community.

Credit Lines

Additionally, we offer convenient credit lines totaling $84,587,761 to help you access funds when you need them most. This option allows for flexibility in managing expenses without the stress of high-interest rates.

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 provide guidance through every step of the process so that you can confidently navigate your way to owning your dream home.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, our refinancing options can help simplify your finances. We encourage you to explore eligibility options available at our branch. At 1st Community, we pride ourselves on providing personalized service and transparent information about all our loan products. Whether you're located in San Angelo, TX at our branch address: 4141 College Hills Blvd San Angelo Tx 76904, or looking to reach us by phone at 325-653-1465, we're here to assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today to find the right fit for your financial journey!

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 come with competitive interest rates and can be an excellent tool for building credit while enjoying rewards.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency helps you make informed decisions without the stress of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data 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 means that every offer you see is fair and transparent, giving you confidence in your choices. One of the key benefits of using LendMesh is the Verified Data. All loan offers are sourced from legitimate financial institutions, which ensures transparency in what you're considering. Additionally, LendMesh has a strict policy against Sponsored Listings. Unlike some comparison tools that may prioritize lenders based on paid promotions, LendMesh focuses solely on presenting unbiased results. This commitment to impartiality allows users to truly evaluate their options. Moreover, LendMesh provides Real-Time Rate Comparisons. With up-to-date loan rates from multiple institutions, you'll have all the information you need at your fingertips to make well-informed decisions about your financial future. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool in helping individuals save money. 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.*

1St Community