First Community Credit Union East Grand Forks MN | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to First Community, your trusted financial partner in East Grand Forks, MN. Located at 428 Bygland Rd Se, we have been proudly serving our members since 1939. With a strong commitment to our community, we have grown to support over 46,708 members, making us a cornerstone of financial stability and support. At First Community, we understand that your financial needs are unique. That's why we offer a variety of services tailored just for you whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans, mortgages, or credit cards with rewards. Our total assets exceed $1.34 billion, demonstrating our solid foundation and reliability as your credit union of choice. With an impressive total deposit figure of $22,879,509 and a net worth of $169,061,323, we ensure your hard-earned money is in safe hands. Our dedicated team of 256 employees, led by our CEO Stephen Schmitz and Board President Owen Olson, is always here to help you navigate your financial journey. Our branch also boasts convenient features such as an ATM and drive-thru service to enhance your banking experience. Whether you're visiting us during lobby hours from 9 AM to 5 PM on weekdays or taking advantage of our drive-thru from 7:30 AM to 6 PM, we strive to make your banking experience as smooth as possible. We invite you to explore how First Community can help you achieve your financial goals. Feel free to reach out at 218-399-0324 or visit us online at myfccu.com. Together, let's build a brighter financial future!

Branch History & Mission

Accessibility and Convenience

In today's fast-paced world, convenience matters. That's why we offer several features such as ATM availability and drive-thru banking for quick transactions. Our operating hours are designed with your busy schedule in mind: lobby hours from 9 am - 5 pm on weekdays and drive-thru hours from 7:30 am - 6 pm during the same days, along with Saturday morning service until noon. While members can visit us at 428 Bygland Rd SE, official correspondence should be sent to the same address as there is no separate mailing address available.

Join Us Today

We invite you to experience everything First Community has to offer. From personalized service to comprehensive financial products, you'll find that we truly care about your success. Join our growing family today and take part in a legacy built on trust, integrity, and community spirit. For more information or assistance, feel free to call us at 218-399-0324 or visit our website at myfccu.com. Together, let's build a brighter financial future!

Our Mission

At First Community, our mission is simple yet profound: to empower individuals and businesses through tailored financial services while actively contributing to the well-being of our community. We believe that banking should be personal and community-focused, which is why we offer a range of services designed to meet diverse needs from personal checking accounts and auto loans to business banking solutions. Our dedication goes beyond finance; we prioritize community engagement through various outreach initiatives and partnerships that uplift those around us. Whether it's sponsoring local events or supporting charitable organizations, we strive to make a positive impact.

Branch Location & Accessibility

Welcome to First Community, your friendly neighborhood credit union located at 428 Bygland Rd SE, East Grand Forks, MN 56721. Our branch is conveniently situated near popular local spots, making it easy for you to pop in for all your banking needs. Whether you're heading to the nearby parks or enjoying a day out in town, we're here to serve you. At First Community, accessibility is important to us. We provide ample parking spaces right outside our branch, along with ADA-compliant features like ramps to ensure that everyone can visit us comfortably. You can rely on us for personal banking services including checking and savings accounts, auto loans, mortgages, and more. Our lobby hours are designed to fit your busy schedule: we're open from 9 AM to 5 PM, Monday through Friday, and even offer Saturday hours from 9 AM to 12 PM. If you prefer the convenience of drive-thru banking, our drive-up service is available from 7:30 AM to 6 PM on weekdays. For those who need quick access to cash or want to check their account balance, we have an ATM available at our branch too. Have questions? Feel free to give us a call at 218-399-0324; our friendly staff is ready to assist you. While members can visit us at 428 Bygland Rd SE, official correspondence should be sent directly to this address as well. So why wait? Come by and see how we can help you achieve your financial goals today!

Member Eligibility

At First Community, we believe that joining our community should feel like a warm welcome into a family that truly cares about your financial well-being. Becoming a member is easy, and we're excited to help you on this journey! If you live, work, worship, or attend school in the area around 428 Bygland Rd Se East Grand Forks Mn 56721, you may already be eligible to join us. We also extend membership to immediate family members of existing members, making it simple for your loved ones to benefit from our supportive services. To learn more about the specific eligibility criteria, we invite you to visit our detailed page at https://www.myfccu.com/about/become-a-member.html. Once you're ready to become part of our community, opening an account is just as straightforward! You can find all the information you need to get started by checking out this link: https://www.myfccu.com/loans. Should you have any questions or need assistance along the way, feel free to reach out at (218) 399-0324. We're here for you every step of the way as you take this exciting step towards better banking with First Community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly, whether you're at the counter or on the go. Our services allow you to focus more on what you do best running your business while we handle the transactions. Visit us at 428 Bygland Rd Se East Grand Forks Mn 56721 in East Grand Forks, MN or give us a call at (218) 399-0324 to learn how we can partner with you for success!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Visit our ATM for easy withdrawals and balance checks without stepping inside. Our basic drive-thru banking service allows you to complete simple transactions like deposits and withdrawals without leaving your car, making it perfect for busy schedules.

Business Banking Support

For local businesses, First Community offers comprehensive business banking solutions. Our merchant services help streamline transactions so you can focus on what matters most growing your business. We also provide various business loans tailored to meet the specific needs of entrepreneurs.

Connect with Us

If you have any questions or need assistance with any of our services, don't hesitate to reach out! Call us at (218) 399-0324, or stop by during our lobby hours from 9 AM to 5 PM Monday through Friday or 9 AM to 12 PM on Saturdays for drive-up services. At First Community, we're here to support all your financial needs with friendly service and community commitment. Explore how we can help you today!

Convenient Digital Banking

We know convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking features. You can easily check your account balances, transfer funds, pay bills, and even send money to friends through our person-to-person payment service all from the comfort of your home or on-the-go.

Personal Banking Solutions

Our personal banking services are designed to make your life easier. With checking and savings accounts that offer competitive interest rates and low fees, you can manage your money effectively. Need a car? Our auto loans and vehicle financing options provide flexible terms to help you drive away in your dream vehicle. For those looking to buy a home, we offer mortgage loans and refinancing solutions that fit various budgets and situations. If you're facing unexpected expenses or want to consolidate debt, consider our personal loans and debt consolidation services. We also have credit cards with rewards that let you earn points on everyday purchases, making it easy to get more from your spending.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking provides 24/7 access, allowing you to check balances, transfer funds, and pay bills without the hassle of visiting a branch. You can also take advantage of e-statements, which give you quick access to your account statements while helping reduce paper clutter an eco-friendly choice! Plus, our mobile application is available for download, making it even easier to manage your money on the go. If you're looking for a simple way to send money to friends or family, our person-to-person transfer feature has got you covered. Just a few taps on your phone and the money is sent instantly! And if you're into mobile payments, you'll be glad to know that we support this feature too, making it easy to shop with just your smartphone.

Security and Accessibility

At First Community, we prioritize your security. While we don't offer electronic signature authorization currently, rest assured that our systems are designed with top-notch security measures to protect your information. Our services are crafted not only for ease of use but also with safety as a top priority. Whether you're at home or out and about, managing your finances should be straightforward. With our digital banking features combined with robust security protocols, you can feel confident that your financial needs are handled safely and efficiently. Explore all these features and more by visiting us at https://www.myfccu.com/. Join us in embracing the future of banking while enjoying the personal touch that First Community offers!

Financial Strength

Growing Member Base

Total Share Accounts stand at 185,519, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $1,787,553, you can rest assured knowing your assets are managed wisely. 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 428 Bygland Rd Se East Grand Forks Mn 56721 or call (218) 399-0324 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 operational efficiency is reflected in our $2,725,044, enabling 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.

Reinvesting for Your Benefit

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, supporting your financial goals across various sectors.

Strong Capital Foundation

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $86,800,863 in used vehicle loans and $26,586,816 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier for you to drive off with the vehicle you desire.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges; that's why we're here to support your financial journey. If you're considering refinancing or want to explore eligibility options for any of these loan products, don't hesitate to reach out. You can call us at 218-399-0324 or visit us at 428 Bygland Rd Se East Grand Forks MN 56721 during our lobby hours from 9 AM to 5 PM on weekdays or from 9 AM to 12 PM on Saturdays (Drive-up only). 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 find the right loan solution today!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $17,391,230 in loans helping members manage their finances effectively. Our credit cards come with various features that can help you earn rewards while staying within your budget.

Mortgage Loans

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

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FIRST COMMUNITY CREDIT UNION - East Grand Forks, MN

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