First Community Credit Union Bismarck ND | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to First Community, your trusted financial partner located at 3201 Weiss Ave, Bismarck, ND 58503. Established in 1939, we have proudly served our community for over eight decades, growing alongside our members and adapting to their needs. With a total membership of 46,708 individuals, we are committed to providing personalized banking solutions that empower you to achieve your financial goals. At First Community, we believe in the power of community and the importance of building strong relationships. Our total assets stand at an impressive $1,345,182,655, ensuring that we have the resources necessary to support our members effectively. Whether you're looking for auto loans, mortgages, or personal banking services, our dedicated team is here to guide you every step of the way. Our CEO, Stephen Schmitz, and Board President, Owen Olson, lead with a commitment to integrity and service. Together with our team of 256 employees, we strive to create a welcoming environment where everyone feels valued. Our net worth has reached $169,061,323, reflecting our stability and dedication to sound financial practices. While members can visit us at our branch location in Bismarck, official correspondence should be sent to our mailing address: P.O. Box 7009, Bismarck, ND 58507-7009. We encourage you to reach out by phone at 701-355-4581 during our operating hours from Monday to Friday, 9 AM - 5 PM and Saturday from 9 AM - 12 PM for any questions or assistance. Explore our website at myfccu.com to discover more about our services like online banking and mobile payments. Join us today and experience the First Community difference where your financial well-being is our top priority!

Branch History & Mission

Commitment to Accessibility

We understand that convenience matters. That's why we are proud to offer drive-thru banking services for those on-the-go and ATM availability for quick transactions. Our operating hours are designed with your needs in mind Monday through Friday from 9 AM to 5 PM, with extended drive-thru hours until 5:30 PM on weekdays and from 9 AM to noon on Saturdays. While members can visit us at our physical location, official correspondence should be directed to P.O. Box 7009, Bismarck, ND 58507-7009 if needed.

Join Us!

As we look towards the future, we invite you to become part of the First Community family. Experience first-hand the benefits of being a member of an institution that values your financial well-being as much as you do. Visit us online at myfccu.com or give us a call at 701-355-4581 for more information about joining today! Together, let's build a stronger community one member at a time.

Our Mission

At the heart of First Community is a commitment to empower individuals and families through accessible financial solutions. Our mission is simple: to provide exceptional personal banking services while actively supporting community initiatives. We offer a wide range of products including checking and savings accounts, auto loans, mortgage financing, personal loans, business banking services, and credit cards with rewards. Our branch not only focuses on financial growth but also emphasizes community support. By partnering with local organizations and participating in outreach efforts, we aim to give back and strengthen the neighborhoods we serve. Whether it's through educational workshops or sponsorships of community events, First Community believes in making a positive impact.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is essential for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and parking spaces that make it easy for all members to visit us comfortably.

Connect With Us

Ready to experience exceptional service? Feel free to call us at 701-355-4581 if you have any questions or would like more information about our offerings. We invite you to visit us at our convenient Bismarck location your financial journey starts here!

Operating Hours

Our friendly team is ready to assist you Monday through Friday from 9 AM to 5 PM. We also offer extended hours for drive-thru banking from 8 AM to 5:30 PM during the week and from 9 AM to 12 PM on Saturdays. Whether you're looking to open a new account or simply need assistance with a transaction, we're here for you!

Services Offered

At First Community, we offer a wide range of services designed to meet your financial needs. From personal checking and savings accounts to auto loans, mortgage options, and credit cards with rewards our goal is to provide solutions that work for you. Plus, with our ATM availability and drive-thru services, managing your finances has never been easier.

Member Eligibility

Joining the First Community community is a warm invitation to become part of a supportive family that values its members. Whether you live, work, or attend school in the local area, you may be eligible for membership at our branch. We welcome individuals from various backgrounds, and it's easy to see how becoming a member can enhance your financial journey. Our members enjoy a range of benefits including competitive loan rates, personalized service, and access to various financial products tailored just for you. To learn more about the specific eligibility criteria and find out if you qualify, please visit this link. If you're ready to take the next step towards joining us or have any questions, feel free to reach out at (701) 355-4581. We're here to make your membership experience as smooth as possible! For account opening details, check out this page where you'll find all the information you need. We can't wait to welcome you to First Community at 3201 Weiss Ave Bismarck Nd 58503!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services simplify transactions for your business. Imagine easily processing payments from your customers while keeping track of sales data seamlessly. Whether you're running a bustling retail store or a cozy café, our solutions ensure you can focus on what you do best serving your customers. Located at 3201 Weiss Ave Bismarck Nd 58503 in Bismarck, ND, we invite you to explore how we can help your business thrive. Give us a call at (701) 355-4581 or visit us today!

Tailored Business Loans

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. This funding can be the turning point for entrepreneurs looking to expand their operations, invest in new equipment, or even open a new location. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions tailored to meet diverse needs. - 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

Business Banking Services

For entrepreneurs and small business owners, we offer specialized Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your business journey.

Convenient Access

We know convenience matters. That's why we provide various ways for you to access your accounts easily. Our ATM & Cash Withdrawal Services allow you quick access to cash whenever needed. Plus, with basic drive-thru banking available for deposits and withdrawals, handling transactions has never been easier. In today's fast-paced world, having digital banking features is crucial. With our Online & Mobile Banking services, banking is just a few clicks away anytime, anywhere. You can even enjoy person-to-person payment options to send money securely to friends and family. At First Community in Bismarck, we're more than just a credit union; we're part of your financial journey. If you'd like to learn more about how we can help you reach your financial dreams or if you're ready to become a member, give us a call at 701-355-4581 or visit us at myfccu.com. We look forward to serving you!

Credit Card Rewards

We believe in rewarding our members for their loyalty. Our Credit Cards with Rewards program allows you to earn points on everyday purchases, giving you more value for your spending.

Financing Options

When it comes to financing big purchases or consolidating debt, our Auto Loans & Vehicle Financing options make it simple and straightforward. Picture driving away in your dream car with a loan that suits your budget. We also provide Mortgage Loans & Refinancing, helping you secure a home or lower your monthly payments on an existing mortgage. If you're facing unexpected expenses or need cash for projects, our Personal Loans & Debt Consolidation products are here to help.

Personal Banking Solutions

We understand that managing your money is essential. That's why we offer comprehensive Personal Banking solutions that include checking and savings accounts tailored to fit your lifestyle. Imagine having an account that not only helps you save but also gives you easy access to your funds through our online and mobile banking platforms. You can check balances, transfer money, and manage your finances from the palm of your hand.

Digital & Online Banking

E-Statements & Security

Say goodbye to paper clutter! We offer e-statements so you can view your account statements electronically, making it easier to stay organized while helping the environment. Your security is paramount; we utilize robust measures to protect your information, ensuring that your data remains safe while you enjoy the convenience of online banking.

Mobile Features for Your Lifestyle

For those who prefer managing their finances through their smartphones, our mobile application is just what you need. Available for download, it provides all the features of our online banking service right at your fingertips. Plus, with mobile payments enabled, you can make purchases quickly and securely without needing cash or a physical card. Need to send money to a friend? Our person-to-person transfer feature makes it simple to send money directly from your account to theirs no hassle involved! At First Community, we're dedicated to providing user-friendly digital tools that enhance your banking experience. Whether you're checking balances or making payments, our services are designed for ease of use and real-time account management. Join us in embracing a smarter way to bank!

Financial Strength

A Growing Community

Our net shares (funds available for lending and investments) stand at $1,787,553, supporting a strong community of trust among our members. With a total of 185,519 share accounts, it's clear that more people are choosing First Community as their trusted financial partner. 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 3201 Weiss Ave Bismarck Nd 58503 or call (701) 355-4581 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 commitment to operational efficiency is reflected in our $6,005,367 for the year. This enables us to keep 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.

Our Financial Health

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 $1,257 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Member Benefits

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. Additionally, our lending capacity supports your financial goals with $6,018 in used auto loans and $989,505,874 in total loans and leases.

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 financing options and competitive interest rates, making it easier for you to drive away in the vehicle you want.

Commercial Loans

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are committed to supporting their financial needs with customized lending solutions. At First Community, we believe that transparent communication and member support are crucial parts of our service. Our team is here to answer any questions about our loan products or assist you through the application process. To learn more about our offerings or begin your journey today, please contact us at (701) 355-4581 or visit us at 3201 Weiss Ave Bismarck Nd 58503 in Bismarck, ND. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines and Unsecured Loans

Managing day-to-day expenses or unexpected costs can be challenging. That's why we offer credit lines totaling $357,890,338, providing you with access to funds when you need them most. Additionally, we have flexible terms on unsecured credit card loans, with a total of $17,391,230 in loans helping members manage their finances effectively.

Mortgage Options

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 work closely with our members to tailor mortgage solutions that fit their budget and lifestyle. If you're considering refinancing your current mortgage, we also have various eligibility options to help streamline the process.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh in delivering value to its users. 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.*

Ensuring 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 sourcing method ensures that users receive fair and transparent offers.

FIRST COMMUNITY CREDIT UNION - Bismarck, ND