First Community Credit Union Crookston MN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Community, your trusted financial partner located at 2315 Norh Acres Drive, Crookston, MN 56716. Established in 1939, we have grown alongside our community and are proud to serve over 46,708 members with a commitment to personal service and financial excellence. Our dedicated team of 256 employees is here to help you achieve your financial goals, whether you're looking for a new car loan, a mortgage, or simply a safe place to save your money. At First Community, we understand that every member's needs are unique. That's why we offer a variety of services tailored just for you from checking and savings accounts to auto loans and business financing. With total assets exceeding $1.34 billion, and total deposits reaching $22,879,509, we're equipped to provide robust support for all your banking needs. Our leadership team is dedicated to ensuring that we meet the evolving needs of our members. Led by CEO Stephen Schmitz and Board President Owen Olson, we prioritize transparency and community engagement in everything we do. We also take pride in maintaining a strong net worth of $169,061,323, reflecting our stability and reliability as your financial institution. While you can always visit us at our branch, official correspondence should be sent to the same address: 2315 Norh Acres Drive, Crookston, MN 56716. Feel free to give us a call at (218) 281-5741 if you have any questions or need assistance. Explore how we can assist you today by visiting our website at myfccu.com. Whether you're interested in opening an account or learning more about our loan options, we're here for you every step of the way. Come see why First Community is more than just a credit union; it's your community bank!

Branch History & Mission

Commitment to Accessibility

First Community is committed to making banking accessible for everyone. Our branch features ADA-compliant facilities and offers drive-thru banking for those who prefer quick transactions without leaving their vehicles. Additionally, our ATM availability ensures that you can access your funds anytime you need them.

Join Us

As we look toward the future, we invite you to become part of the First Community family. Experience firsthand how our member-focused approach makes banking simple and rewarding. Visit us today or call us at 218-281-5741 for more information about membership and services. Together, let's build a brighter financial future! For more details about what we offer or how you can join us, please visit our website.

Our Journey

First Community began as a small credit union with a mission to serve local families and businesses. As we evolved through the decades, we embraced changes in the financial landscape while staying true to our roots community support and member-focused service. Today, we continue to prioritize personal relationships and trust, ensuring that every member feels valued. Our growth is marked by significant milestones, including our expansion into various banking services and technological advancements that make banking easier than ever. From online banking to mobile payments, we strive to provide convenient options that fit modern lifestyles while maintaining the personal touch that defines us.

Our Mission

At First Community, our mission is clear: to empower our members through accessible financial services and community involvement. We aim not just to be a bank but a partner in your financial journey. Whether you're looking for a checking account, auto loan, or mortgage refinancing, we are here to guide you every step of the way. We believe in giving back to Crookston and its surrounding areas. Our outreach initiatives support local charities and events because we know that when our community thrives, everyone benefits. By fostering partnerships with local organizations and businesses, we work together to build a stronger future for all. While members can visit us at 2315 Norh Acres Drive for face-to-face service, official correspondence should be sent to the same address for consistency.

Branch Location & Accessibility

Finding Us

Located just off the main road, our branch is easy to access and offers ample parking space for all our members. If you're coming from nearby landmarks like the Crookston Sports Center or the University of Minnesota Crookston, you'll find us just a short drive away. We've made sure that our location is fully accessible, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours! Our lobby is open Monday through Friday from 9:00 AM to 4:30 PM, making it easy for you to stop by after work or during your lunch break. If you prefer drive-thru banking, we're here for you even earlier from 8:00 AM to 5:30 PM on weekdays.

Services Offered

At First Community, we pride ourselves on providing a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we have something for everyone. Need cash quickly? Our ATM is available for withdrawals and balance checks whenever you need it. While members can visit us at 2315 Norh Acres Drive, official correspondence should be sent to the same address for consistency. For any inquiries or assistance, don't hesitate to give us a call at 218-281-5741. We invite you to come in and experience how easy banking can be with First Community. Whether you're looking for help with your finances or simply want to learn more about what we offer, our team is excited to welcome you!

Member Eligibility

At First Community, we believe that everyone deserves a supportive financial community. If you're looking to become a member, you'll find the process straightforward and welcoming. Generally, eligibility is open to those who live, work, or worship in our local area, and it extends to family members of existing members as well. This means that by joining us, you not only gain access to fantastic financial products but also become part of a caring network that looks out for one another. To dive deeper into the specific requirements, feel free to visit our detailed eligibility page at https://www.myfccu.com/about/become-a-member.html. Getting started is easy! You can open an account with us by visiting our website or giving us a call at (218) 281-5741 for assistance. We're located at 2315 Norh Acres Drive Crookston Mn 56716, and our friendly staff is ready to help you through every step of your membership journey. Check out our account opening details here: https://www.myfccu.com/loans. We can't wait to welcome you into the First Community family!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,740 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $615,205,115, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, our merchant services simplify payment processing for your business. Picture this: you're at a busy market or storefront when a customer wants to make a purchase. With our streamlined payment solutions, transactions are quick and secure, allowing you to focus on what matters most serving your customers. Located at 2315 Norh Acres Drive Crookston Mn 56716 in Crookston, MN, we're here to help you take your business to the next level. Contact us today at (218) 281-5741 and let's discuss how we can support your business journey!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we understand that managing finances is crucial for success. Our business banking services, including merchant services and business loans, are designed to support your growth. Whether you're starting out or expanding your operations, we're here to help every step of the way.

Connect With Us

We invite you to experience all that First Community has to offer by visiting us at 2315 Norh Acres Drive Crookston Mn 56716 or calling us at (218) 281-5741. Whether you're looking for personal financial guidance or business solutions tailored for growth, our friendly staff is ready to assist you. Discover how easy banking can be when you choose us as your trusted financial partner! Visit our website at Branch - Crookston for more information about our services and how we can help you achieve your financial goals today!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at First Community, we emphasize our robust online and mobile banking features. With just a few clicks on your computer or taps on your mobile device, you can easily check balances, transfer funds, or pay bills anytime, anywhere. Our ATM & cash withdrawal services ensure that accessing your money is straightforward and hassle-free. Need assistance with simple transactions? Our branch offers basic drive-thru banking for deposits, withdrawals, and other quick tasks, making it easier than ever to get what you need without stepping inside.

Personal Banking Solutions

When it comes to managing your finances, our personal banking services are tailored for you. We offer checking and savings accounts that help you save for future goals or manage everyday expenses. If you need financing for a new vehicle, our auto loans and vehicle financing options make it easy to drive off with your dream car. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing services provide flexible solutions suited to your situation. Sometimes life throws unexpected expenses your way. That's why we also offer personal loans and debt consolidation options to help you manage those challenges without added stress. Plus, with our credit cards featuring rewards, you can earn while you spend on things you already buy!

Digital & Online Banking

At First Community, we understand that managing your finances should be as easy and secure as possible. That's why we offer a robust suite of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, our services help you stay connected to your accounts whenever you need. With our online banking platform available at https://www.myfccu.com/, you can access your accounts 24/7. This means checking your balance, transferring funds, or paying bills is just a click away, day or night. We also provide e-statements for those who prefer a paperless option, making it easier to manage your records without clutter. For members who are always on the move, our mobile application offers even more convenience. You can make mobile payments and conduct person-to-person transfers right from your smartphone. Imagine sending money to a friend or paying for coffee without reaching for your wallet! Security is our top priority, which is why we ensure that all transactions are encrypted and protected. While we currently do not support electronic signature authorization, rest assured that our systems are designed with user-friendly features that keep your information safe. At First Community, we believe in empowering our members with real-time account management tools. Our digital banking services simplify your financial tasks so you can focus on what matters most in life. Join us today and experience the benefits of modern banking made easy!

Financial Strength

Financial Health Overview

With a net worth of $169,061,323, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.57% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Member Base

Total Share and Deposit Accounts: 185,519, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,787,553 provide additional assurance of our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Community is your trusted partner. Visit us at 2315 Norh Acres Drive Crookston Mn 56716 or call (218) 281-5741 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $345,644,293 in share certificates and $195,094,804 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $583,388, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our efficient operations are reflected in our $2,725,044, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 247 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment into Services

With $141,996,298 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we support members' financial goals across various sectors.

Loan Offering

Additional Lending Options

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $615,205,115 provide essential funding solutions. Additionally, if you're considering refinancing any existing debt or exploring eligibility options for our products, our friendly staff is available to discuss your options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply now or just want more information about our loan offerings, feel free to reach out at (218) 281-5741 or visit us online at myfccu.com. Let us help you take the next step toward achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $86,800,863 in used vehicle loans and $26,586,816 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our flexible terms make it easier than ever to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $27,613,191. We aim to make buying or refinancing simple and straightforward. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but we're here to help. We offer flexible terms on unsecured credit card loans with a total of $17,391,230 in loans assisting members in managing their finances effectively. Our credit cards come with features designed for everyday use while helping you build your credit history.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

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FIRST COMMUNITY CREDIT UNION - Crookston, MN

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