First Community Credit Union Moorhead MN | Best Auto Loans & Business Banking

Introduction

At First Community, we believe in building strong financial futures for our members right here in Moorhead, MN. Located at 2602 34th St S, our branch has been serving the community since 1939. With a commitment to personal service and community development, we have grown to support over 46,000 members and manage total assets of $1,345,182,655. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 310 10th St SE, Jamestown, ND 58401-5555. Our dedicated team of 256 employees, led by CEO Stephen Schmitz and Board President Owen Olson, works diligently to ensure that your financial journey is smooth and rewarding. Whether you are looking for a new auto loan among the 23,333 loans and leases we've provided or want to open a checking account, we are here to help. With total deposits amounting to $22,879,509 and a net worth of $169,061,323, we take pride in being a stable choice for your financial needs. Our robust offerings include personal banking services such as savings accounts and credit cards with rewards, as well as business banking solutions tailored to entrepreneurs in our community. We invite you to experience the difference with First Community. Visit us today or give us a call at (218) 359-2026 to learn more about how we can assist you in achieving your financial goals! For additional information about our services or to become a member, please check out our website at myfccu.com.

Branch History & Mission

First Community has a rich legacy of serving the people of Moorhead, Minnesota, since its inception in 1939. This branch, located at 2602 34th St S, has grown alongside the community it serves, evolving from humble beginnings to becoming a trusted financial partner for over 46,000 members. With total assets reaching an impressive $1,345,182,655, First Community stands as a testament to what dedicated service and community focus can achieve. Our mission at First Community is straightforward yet impactful: to provide exceptional financial services while fostering community growth and support. We believe that by empowering our members with accessible banking solutions like checking and savings accounts, auto loans, mortgages, and personal loans we can help them achieve their financial goals. Our commitment extends beyond mere transactions; we aim to build lasting relationships within our community. As part of our dedication to modern banking needs, we have embraced digital advancements. Members can access online banking services and mobile payments for convenience and efficiency. For those who prefer face-to-face interactions, our drive-thru service offers ease and accessibility. Additionally, we provide ATM services for quick withdrawals and balance checks. While members can visit us at our Moorhead branch address for their banking needs, official correspondence should be directed to our mailing address at 310 10th St SE, Jamestown, ND 58401-5555. First Community is not just about banking; it's about making a positive impact on lives. Through various partnerships and outreach efforts, we actively engage in supporting local initiatives that uplift our community. Our goal is to ensure that every member feels valued and supported not just as customers but as part of the First Community family. We invite you to join us at First Community in Moorhead. Experience firsthand the benefits of being a member of a credit union that truly cares about your financial well-being and community support. Whether you're looking for personal or business banking solutions, we're here to help you thrive! Reach out today at 218-359-2026 or visit us online at myfccu.com to learn more about membership opportunities and how we can assist you on your financial journey.

Branch Location & Accessibility

Welcome to First Community, your friendly neighborhood credit union located at 2602 34Th St S in Moorhead, Minnesota! We understand that convenience is key when it comes to banking, which is why our branch is easily accessible and designed with our members in mind. Nestled in the heart of Clay County, we are close to local landmarks that make visiting us a breeze. While you're here, you can enjoy ample parking and ADA-compliant features to ensure everyone can access our services comfortably. If you need assistance, our team is always ready to help. Our lobby hours are perfect for your busy schedule Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to noon. For those who prefer the drive-thru option, we're open until 5:30 PM on weekdays! At First Community, we pride ourselves on offering a variety of services tailored to meet your financial needs from personal banking and auto loans to business services and online banking. Whether you're stopping by for a quick deposit or exploring loan options, we've got you covered. If you have any questions or need further assistance, feel free to call us at 218-359-2026. We look forward to welcoming you soon!

Member Eligibility

At First Community, we believe that everyone deserves a chance to be part of a supportive community that truly cares about their financial well-being. If you're looking to join us, becoming a member is simple and welcoming. We invite individuals who live, work, or worship in our local area to apply. Whether you're just starting your financial journey or looking for more personalized service, we have something for everyone. To learn more about specific eligibility criteria and the benefits of membership, feel free to check out our detailed guidelines at https://www.myfccu.com/about/become-a-member.html. Once you're ready to take the next step, opening an account with us is easy just visit https://www.myfccu.com/loans or give us a call at (218) 359-2026. We're located at 2602 34Th St S Moorhead Mn 56560, and we can't wait to welcome you into the First Community family!

Business Banking & Commercial Services

Financing Options for 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 That Make a Difference

When it comes to everyday operations, our merchant services are designed to simplify transactions. Imagine having a seamless way to accept payments from customers while keeping track of your sales effortlessly. At First Community, we equip you with tools that not only enhance customer experiences but also streamline your financial processes. Located at 2602 34Th St S Moorhead Mn 56560 in Moorhead, MN, we're here to partner with you every step of the way. Let us help you turn your business dreams into reality! For more information, call us at (218) 359-2026 or visit our website at myfccu.com.

Comprehensive List Of Services

Accessibility

Our branch at 2602 34Th St S Moorhead Mn 56560 in Moorhead, MN, offers convenient lobby hours where our friendly staff is ready to assist you with any questions or transactions from 9 AM to 5 PM on weekdays and 9 AM to 12 PM on Saturdays. You can also reach us at (218) 359-2026 for any inquiries.

Business Banking Services

For entrepreneurs and small business owners, we understand the importance of having reliable financial support. Our business banking services, including merchant services and business loans, are designed to help you grow and succeed in your endeavors. We take pride in being a partner in your business journey.

Credit Options

Our credit card offerings come with exciting rewards that make every purchase more rewarding. Whether you want to earn points on daily spending or need a reliable card for emergencies, our cards cater to different preferences and lifestyles.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at First Community, we prioritize digital banking features that allow you to manage your finances from anywhere. With our online and mobile banking, you can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Our ATM services ensure that cash withdrawal is never out of reach, while basic drive-thru banking lets you handle deposits and withdrawals without leaving your vehicle.

Get Started Today!

At First Community, we're more than just a credit union; we're a community partner focused on helping you achieve your financial goals. Explore all the services we offer by visiting our website at https://www.myfccu.com or stop by our branch today! Let us help you take the next step towards financial wellness!

Personal Banking Solutions

We offer various personal banking services designed for your everyday needs. From checking and savings accounts that help you manage your day-to-day finances to auto loans and vehicle financing options that make purchasing your dream car easier, we're here to support you every step of the way. If you're considering buying a home, our mortgage loans and refinancing solutions can help turn your homeownership dreams into reality. Plus, with our personal loans and debt consolidation options, we provide flexible ways to manage unexpected expenses or consolidate existing debts.

Digital & Online Banking

Easy Online Access

Our online banking services, available at https://www.myfccu.com/, let you manage your accounts with just a few clicks. Whether you want to check your balance, transfer funds, or pay bills, everything is right at your fingertips. Plus, our 24/7 online banking services mean you can handle your finances whenever it suits you.

Manage Your Statements and Payments

Forget about paper clutter! With e-statements available at First Community, you can view your monthly statements electronically. This not only saves trees but also allows for easy record-keeping. If you're on the go, our mobile application makes it simple to pay bills and make transactions right from your smartphone.

Send Money with Ease

Need to send money to a friend? Our person-to-person transfer feature lets you quickly and securely send cash without any hassle. And if you're looking for a quick way to pay for everyday purchases, our mobile payments feature ensures that all it takes is a tap to complete your transaction.

Stay Secure

Security is always a top priority at First Community. While we do not currently offer electronic signature authorization, we employ various measures to protect your personal information. You can rest assured that your data is safe while using our online banking services. Explore all these features and more by visiting us at https://www.myfccu.com/ today! Experience the convenience of modern banking with First Community your trusted partner in financial management.

Financial Strength

A Solid 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.

Efficient Operations

Our impressive $2,725,044 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 247 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share and Deposit Accounts stand at 185,519, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,787,553, further demonstrating our commitment to your financial success. 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 2602 34Th St S Moorhead Mn 56560 or call (218) 359-2026 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvestment in Your Future

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 robust lending capacity is highlighted by $6,018 in used auto loans and $989,505,874 in total loans and leases, supporting your financial goals across various sectors.

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. Whether you are interested in financing a new vehicle or looking for a reliable used one, our competitive rates and flexible terms make it easy to find a solution that fits your budget.

Commercial Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $615,205,115 provide the capital needed to expand operations and invest in your future. We recognize that every business has unique challenges and opportunities; our team is ready to work closely with you to develop a financing plan that meets your specific needs. At First Community located at 2602 34Th St S Moorhead Mn 56560, we are committed to providing you with personalized service and expert guidance throughout your borrowing journey. If you have any questions or would like to learn more about our loan offerings, please don't hesitate to reach out at 218-359-2026. 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 how we can assist you today!

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. We provide various financing solutions that cater to different lifestyles and financial situations. If you're considering refinancing your current mortgage or exploring eligibility options, our dedicated team is here to assist you every step of the way.

Unsecured Credit Card Loans

Managing finances effectively can sometimes require a little extra help. We also offer flexible terms on unsecured credit card loans, with a total of $17,391,230 in loans available to support our members. These cards come with benefits designed to help you maintain control over your spending while earning rewards along the way.

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Ensuring Accurate Loan Comparisons

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FIRST COMMUNITY CREDIT UNION - Moorhead, MN

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