1st Community Credit Union Sparta WI | Low Mortgage Rates & Auto Loans

Introduction

Commitment to Our Members

As your local credit union, our mission is to provide personalized banking services tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, our dedicated team is here to guide you through every step. With total assets of $272,770,973 and total deposits amounting to $19,937,779, we ensure that your finances are in safe hands. Our CEO, Brad Bauges, along with Board President Wendy Whitehead, leads a skilled team of 58 employees who share a common goal: to empower our members financially while fostering trust and reliability in all our services.

Financial Strength You Can Trust

We understand that financial stability is crucial for peace of mind. That's why we've built a strong foundation reflected in our net worth of $23,592,496 and cash in hand totaling $1,541,597. Our approach emphasizes not just providing loans currently totaling 9,315 but also ensuring that your money is managed wisely. While you can visit us at our branch for all your banking needs, if you need to send official correspondence, please use our mailing address: P.O. Box 167, Sparta, WI 54656.

Join Us Today!

We invite you to explore the numerous benefits of becoming part of the 1st Community family. Whether you're interested in opening an account or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 608-269-8121 or visit us online at [1stccu.com]( https://www.1stccu.com/ ). Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Accessibility

In today's fast-paced world, we recognize the importance of accessibility. That's why we offer convenient options like online banking and mobile payments alongside traditional services. Our drive-thru banking ensures that even on busy days, you can manage your finances with ease. Plus, with an ATM available at our branch, cash withdrawal is just a few steps away. While you can visit us at our main location for all your banking needs, any official correspondence should be directed to P.O. Box 167, Sparta, WI 54656.

Community Engagement

We are not just about numbers; we are about people. Our partnerships with local organizations demonstrate our commitment to making a difference in Sparta and surrounding areas. Through outreach programs and community events, we strive to uplift those around us and foster a sense of belonging among all residents. As we continue this legacy of service and growth, we invite you to join the 1st Community family. Experience firsthand how we can help you achieve your financial dreams while being an active part of your local community. Visit us during our operating hours Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 8:00 a.m. to 11:30 a.m. or call us at 608-269-8121 for more information. Together, let's build a brighter future!

Mission Statement

Our mission at 1st Community is simple yet profound: we aim to enhance the financial well-being of our members and contribute positively to our community. We believe that everyone deserves access to quality financial services that support their goals. Whether it's opening a checking account or securing a loan for a new vehicle, we're here to help every step of the way.

Our Evolution

Since our inception, we have focused on providing personalized financial services that cater to the needs of our community. Over the years, we have expanded our offerings to include auto loans, mortgages, personal loans, and various banking services all designed to empower our members financially. We are proud of our ability to adapt and grow alongside our members' needs while maintaining the friendly service that sets us apart.

Branch Location & Accessibility

Comprehensive Services

When you step into our branch, you'll find more than just friendly faces; you'll discover a full range of services tailored to help you manage your finances effectively. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, enjoy the convenience of our drive-thru service for quick transactions without leaving your car.

Convenient Location

Nestled near local landmarks, our branch is just a stone's throw away from the scenic La Crosse River and close to popular spots like the Sparta Area School District. This prime location makes it easy for you to drop by while running errands or enjoying a day out in the community.

Easy Access & Parking

At 1st Community, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and spacious parking to ensure everyone can visit us comfortably. There's plenty of parking available so you can park with ease when you come in for your banking needs.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 608-269-8121. Our team is always ready to help! We invite you to visit us at 1st Community for all your banking needs, where we make it easy to take care of your financial goals while supporting our wonderful community in Sparta.

Operating Hours That Work for You

We understand that life can be busy! That's why we offer flexible operating hours our lobby is open Monday through Friday from 8:00 a.m. to 5:00 p.m., and we also welcome you on Saturday mornings from 8:00 a.m. until 11:30 a.m. No matter your schedule, we aim to be here when you need us most.

Member Eligibility

At 1st Community, we believe that everyone deserves a supportive community where their financial needs are met with care and understanding. Becoming a member is easy and welcoming, especially for those who live, work, or worship in our vibrant local area. Whether you're looking to open a checking account, save for the future, or finance your next vehicle, our doors are wide open to you! For specific eligibility details, feel free to check out our website at . If you have any questions or need assistance, don't hesitate to call us at (608) 269-8121 we're here to help you every step of the way as you join our family at 1st Community, located at 1000 W Wisconsin St Sparta Wi 54656. Your journey towards better banking starts here!

Business Banking & Commercial Services

Financing Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $116 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $13,594,751, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your daily operations. Think about how much easier it is to accept payments from customers quickly and securely. Our solutions can help you streamline transactions, allowing you to focus more on what you do best running your business. If you're ready to take the next step in your business journey, visit us at 1000 W Wisconsin St Sparta Wi 54656 in Sparta, WI, or give us a call at (608) 269-8121. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM and cash withdrawal services are available for your convenience. With basic drive-thru banking, you can handle deposits and withdrawals without leaving your car perfect for those busy days when every minute counts. At 1st Community, we're not just about transactions; we're about building relationships with our members. We invite you to visit us at 1000 W Wisconsin St Sparta Wi 54656 or give us a call at (608) 269-8121 to learn more about how we can assist you in achieving your financial goals. Join us today and experience the difference! Explore all that we have to offer by visiting our website at [1st Ccu Sparta]( https://www.1stccu.com/ ). We look forward to serving you!

Business Banking Services

For our business members, business banking solutions are designed with your success in mind. From merchant services that streamline payment processing to business loans that fuel growth, we support local businesses in their journey towards success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can easily manage your accounts from anywhere, whether it's checking your balance, transferring funds, or paying bills all from the comfort of your home or on the go. Plus, with features like mobile payments and person-to-person transactions, sending money has never been easier.

Credit Cards and Rewards

Looking for a way to earn while you spend? Our credit cards with rewards allow you to accumulate points on everyday purchases, which can be redeemed for various benefits. This means that every dollar spent brings you closer to exciting rewards!

Personal Banking Solutions

For individuals and families, we offer personal banking options that include checking and savings accounts designed to help you manage your day-to-day finances effectively. Imagine having a checking account that allows easy access to your funds while earning interest through our savings accounts. This setup ensures your money works as hard as you do. When it comes to financing a new vehicle, our auto loans and vehicle financing services provide competitive rates that can fit any budget. Picture driving off in your dream car without the stress of overwhelming payments. We also offer mortgage loans and refinancing options, making homeownership more accessible than ever. If you're considering consolidating debts or taking out a personal loan, our personal loans can provide the financial relief you need.

Digital & Online Banking

Convenient Online Banking Services

With our online banking platform, available at https://www.1stccu.com/ , you can easily check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Whether you're using a computer or our mobile application, you have 24/7 access to your accounts. Our services include person-to-person transfers, making it simple to send money to friends or family without any hassle.

Mobile Payments and Applications

With the rise of mobile payments, 1st Community keeps up with modern needs by offering this feature. You can make purchases directly from your phone with ease. Our mobile application not only supports this but also gives you full control over your accounts right at your fingertips. At 1st Community, we're dedicated to making banking easier for our members. Explore our digital banking options today and experience the convenience of managing your finances on your terms!

Secure and User-Friendly Features

We prioritize your security while ensuring that our features are user-friendly. You can enjoy electronic signature authorization for documents, providing a quick and safe way to handle paperwork without needing to visit a branch. Plus, e-statements are available, allowing you to keep track of your finances efficiently while reducing paper clutter.

Financial Strength

Growing Member Trust

Total share accounts stand at 35,079, 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 1000 W Wisconsin St Sparta WI 54656 or call 608-269-8121 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $76,782,984 in share certificates and $30,030,917 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,236,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Future Growth

With $21,980,097 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $20,376,724 in total loans and leases and 2,507 used auto loans.

Solid Financial Base

With a net worth of $23,592,496, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 864 demonstrates a solid capital foundation, ensuring that we can continue providing loans and competitive savings rates even in uncertain economic times.

Strong Operational Efficiency

Our net income of $1,455,857 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 55 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,235,816 in used vehicle loans and $16,363,745 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, our flexible terms can fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $13,594,751 provide the capital needed to grow and expand. We recognize the importance of supporting local businesses and are committed to helping you reach your goals.

Credit Lines

Additionally, our total credit lines amount to $42,684,228, offering further flexibility for managing expenses and unexpected costs. If you're considering refinancing or exploring eligibility options for any of these products, please feel free to reach out. Our friendly team at 1st Community is here to assist you. For more information about our loan offerings or to discuss how we can help meet your financial needs, don't hesitate to contact us at 608-269-8121. You can visit us at our branch located at 1000 W Wisconsin St., Sparta, WI 54656 during our operating hours: Monday - Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 8:00 a.m. to 11:30 a.m. 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 partner with you on your path toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,318,246, make buying or refinancing simple. We provide competitive rates and personalized service to help you navigate the process smoothly.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $5,993,695 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your everyday spending while providing you with the financial flexibility you need.

Loan Aggregator

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 ensures that users receive fair and transparent offers tailored to their needs. Each loan offer is carefully vetted, making sure that users can trust the information provided.

Benefits of Using LendMesh

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1St Community