First Community Credit Union Devils Lake ND | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Community, your trusted financial partner in Devils Lake, ND. Located at 1117 Highway 2 E, our branch has been serving the community since 1939, with a commitment to providing exceptional banking services tailored to meet your needs. With a total membership of over 46,000 and assets exceeding $1.34 billion, we are dedicated to helping you achieve your financial goals. At First Community, we pride ourselves on our community impact and member-focused approach. Our friendly staff is here to assist you with everything from personal banking and auto loans to business financing solutions. We understand that each member's journey is unique, which is why we offer a range of services designed to empower you financially. While members can visit us at our branch location, official correspondence should be sent to the same address: 1117 Highway 2 E, Devils Lake, ND 58301. You can also reach out to us at 701-662-8118 for any inquiries or assistance you may need. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, our team of 256 employees works tirelessly to ensure you receive top-notch service every time you walk through our doors. With total deposits of $22,879,509 and net worth standing at $169,061,323, your funds are secure with us. Whether you're looking for a new checking account or considering a loan for your next vehicle purchase, First Community is here for you every step of the way. Explore our offerings today by visiting our website at myfccu.com or stop by the branch to speak with one of our knowledgeable representatives. Join us in making your financial dreams a reality!

Branch History & Mission

Community Focus

Our commitment extends into the heart of Devils Lake through various partnerships and outreach programs. We believe that strong communities lead to strong individuals. That's why we actively participate in local events and support initiatives that uplift those around us. In addition to traditional banking services such as checking accounts and auto loans, we offer modern conveniences like online banking and mobile payments. We're also proud to provide ADA-compliant facilities so everyone can access our services comfortably. With ATM availability and drive-thru banking options, we make it easy for you to manage your finances on your terms.

Join Us!

We invite you to be part of the First Community family. Experience firsthand how we blend financial expertise with genuine care for our members' well-being. Visit us today or check out our website at First Community for more information on membership eligibility and how we can help you reach your financial goals!

Our Mission

At First Community, our mission goes beyond simply offering financial products; we are dedicated to making a positive impact on the lives of our members and their families. We strive to empower individuals through sound financial advice and accessible banking solutions. Our team is committed to helping you achieve your goals whether that means buying your first home, purchasing a vehicle, or planning for retirement. While members can visit us at 1117 Highway 2 E for all their banking needs, official correspondence should be sent to the same address as we aim to keep communication straightforward and efficient.

Branch Location & Accessibility

Accessibility Features

At First Community, we understand that accessibility is important. Our branch is designed to be welcoming for everyone, including those who may need assistance. We have ADA-compliant features in place, such as ramps and spacious entryways, ensuring that all members can navigate comfortably.

Convenient Location

Nestled right along Highway 2, our location makes it easy for you to drop by while you're out and about. Whether you're headed to the nearby Lake Region State College or taking a scenic drive around Devils Lake, you can swing by for all your banking needs. Plus, with plenty of parking available, getting in and out is a breeze!

Get in Touch

If you have any questions or would like more information about what we offer, feel free to give us a call at 701-662-8118. We're here to help! We invite you to visit us at First Community your trusted partner in financial success right here in Devils Lake. Come see how we can assist you today!

Operating Hours

We want to make sure you have the flexibility you need when it comes to banking. That's why our lobby hours are Monday through Friday from 9:00 am to 5:00 pm, with Saturday hours from 9:00 am to noon. If you're looking for drive-thru service, we're open weekdays from 8:00 am until 5:30 pm and also on Saturday mornings until noon!

Services Offered

At our branch, you'll find a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick cash? Our ATM is available for withdrawals and balance checks whenever you need it. For those who prefer face-to-face transactions, our drive-thru service is perfect for deposits and simple transactions without leaving your car.

Member Eligibility

At First Community, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is straightforward and welcoming, designed with you in mind. If you live, work, worship, or attend school in our local area, you're likely eligible to join us! We value every member's unique story and experiences, and being part of our credit union means access to a range of benefits that can help you achieve your financial goals. To explore the specific eligibility requirements, feel free to visit our detailed page at https://www.myfccu.com/about/become-a-member.html. You'll find all the necessary information there, ensuring you know exactly how to become part of our community. Once you're ready to open an account, it's just as easy! Check out the account opening process here: https://www.myfccu.com/loans. If you have any questions or need assistance, don't hesitate to reach out at (701) 662-8118. We're excited to welcome you to First Community located at 1117 Highway 2 E Devils Lake Nd 58301, where your financial journey begins!

Business Banking & Commercial Services

Commercial Loans 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 That Simplify Transactions

Imagine running your business without the hassle of complicated payment systems. Our merchant services make accepting payments straightforward and efficient, whether you're in retail or service industries. From credit card processing to online payment solutions, we ensure your transactions are smooth, allowing you to focus on what matters most growing your business. Visit us at 1117 Highway 2 E Devils Lake Nd 58301 in Devils Lake, ND, or call us at (701) 662-8118 to learn how our business banking services can help you achieve your goals. Together, we can build a brighter future for your business!

Comprehensive List Of Services

Accessibility When You Need It

We know that busy schedules don't always align with traditional banking hours. That's why we offer basic drive-thru banking for quick transactions like deposits and withdrawals during our convenient hours from 9:00 AM to 5:00 PM on weekdays and from 9:00 AM to 12:00 noon on Saturdays. For added convenience, our ATMs allow you to perform balance checks and cash withdrawals without stepping inside the branch. For more information about how First Community can serve you better, please don't hesitate to reach out! Call us at 701-662-8118 or visit us online at myfccu.com. We're excited to assist you with all your banking needs!

Convenient Digital Banking Solutions

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking features, managing your finances has never been easier. You can access your accounts anytime, anywhere, whether it's checking balances or transferring funds. Our mobile app also supports ATM & Cash Withdrawal Services, making it easy to get cash when you need it most.

Empowering Local Businesses

At First Community, we understand the unique challenges businesses face. That's why we offer tailored services like Business Banking, including Merchant Services & Business Loans to help your business thrive. Whether you're just starting out or looking to expand, we are here to support your entrepreneurial journey.

Personal Banking Made Easy

Whether you're opening a new checking account for everyday expenses or saving up for a future goal, our personal banking options have you covered. We offer Checking & Savings Accounts that help you manage your money efficiently. If you're considering buying a car, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to fit your budget. For those looking to purchase their dream home or refinance an existing mortgage, our Mortgage Loans & Refinancing solutions can guide you through the process smoothly.

Support for Your Financial Goals

Life can be unpredictable, and sometimes you need extra funds to bridge the gap. Our Personal Loans & Debt Consolidation services are designed to help you tackle unexpected expenses or consolidate debt into manageable payments. Plus, enjoy the benefits of our Credit Cards with Rewards, which allow you to earn points on your everyday purchases.

Digital & Online Banking

At First Community, we understand that convenience and security are key when it comes to managing your finances. That's why our digital and online banking services are designed to make your banking experience as simple and safe as possible, right from the comfort of your home or on the go. With our online banking platform, you can easily access your accounts 24/7. Whether you need to check your balance, transfer money, or pay bills, everything is just a few clicks away. We also offer e-statements, allowing you to view your account statements digitally instead of waiting for them to arrive in the mail. This not only saves paper but also gives you instant access to important financial information. For those times when you want to send money quickly and easily, our person-to-person transfer feature is a great solution. You can send money to friends or family without needing their bank details just their phone number or email address. Plus, with mobile payments available at First Community, making purchases with your smartphone has never been easier. Our dedicated mobile application provides all these features right at your fingertips. You can download it from your app store and enjoy a user-friendly interface that makes banking straightforward and hassle-free. Although we currently do not support electronic signature authorization, rest assured that all your transactions are secure. In this fast-paced world, having access to your finances whenever you need it is essential. At First Community, we're committed to providing reliable online services so you can manage your accounts with confidence, knowing that help is just a call away at (701) 662-8118 if you ever have questions. Experience the ease of digital banking today!

Financial Strength

Commitment to Innovation

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 supports your financial needs with $6,018 in used auto loans and $989,505,874 in total loans and leases.

Member Savings Securely Invested

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.

Member Trust

Total Share and Deposit Accounts: 185,519, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,787,553. 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 1117 Highway 2 E Devils Lake Nd 58301 or call (701) 662-8118 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $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.

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 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 financing options that cater to both new and used vehicles, making it easier than ever to drive away with the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing operations, we have loan options that support your business goals.

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 competitive rates and terms that can suit your budget and lifestyle. If you're considering refinancing your current mortgage or exploring eligibility options for a new purchase, our team is ready to guide you through the process.

Unsecured 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 rewards and features designed to give you more value for your spending.

Why Choose Us?

At First Community, we prioritize your financial well-being by providing personalized service and expert guidance throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. To explore our loan offerings further or check eligibility requirements for becoming a member, visit us online at myfccu.com or stop by our branch today!

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FIRST COMMUNITY CREDIT UNION - Devils Lake, ND

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