First Community Credit Union Fargo ND | Top Checking & Auto Loans

Introduction

Welcome to First Community, your trusted partner in financial well-being! Located at 5201 42nd St S, Fargo, ND 58104, our branch has been serving the community since 1939. With a commitment to helping our members achieve their financial goals, we proudly support a vibrant membership of 46,708 individuals. At First Community, we understand that financial needs vary from person to person. That's why we offer a range of services designed to meet your unique requirements. From personal banking and auto loans to mortgages and business banking, our dedicated team is here to help you every step of the way. Our total assets stand strong at an impressive $1,345,182,655, ensuring we have the resources to support you in achieving your dreams. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, we focus on building lasting relationships with our members. We take pride in maintaining a net worth of $169,061,323 and cash reserves of $16,233,533, providing peace of mind and stability for our members. Our commitment to transparency and integrity is reflected in our total deposits of $22,879,509 and a robust loan portfolio with over 23,333 loans issued. We invite you to visit us at our Fargo location or reach out by phone at 701-499-4050. Whether you're looking for guidance on your next financial move or need assistance with existing accounts, our friendly staff is ready to assist you during lobby hours from 9 AM - 5 PM Monday through Friday, with drive-thru service available until 5:30 PM on weekdays and until 12 PM on Saturdays. Explore how First Community can help you thrive financially by visiting us or checking out our website at myfccu.com. Together, let's build a brighter financial future!

Branch History & Mission

At First Community, we are proud of our rich history and unwavering commitment to serving our members in Fargo, ND. Established in 1939, our branch has grown alongside the community, adapting to the ever-changing financial landscape while staying true to our core mission: to provide accessible, high-quality financial services while fostering a spirit of community support and engagement. Located at 5201 42Nd St S, Fargo, ND 58104, we are easily accessible for our members. Our branch has become a trusted financial partner for over 46,000 members who rely on us for various banking needs. With total assets exceeding $1.3 billion, we have the strength and stability that our members can count on. Over the years, First Community has reached many milestones that reflect our dedication to innovation and community service. From expanding our range of services including personal banking, auto loans, mortgages, and business banking to enhancing digital offerings like online banking and mobile payments, we ensure that our members have the tools they need for their financial journeys. Our mission is clear: to empower individuals and families by providing personalized financial solutions and fostering a sense of belonging within our community. We believe in supporting local initiatives and partnerships that uplift those around us. Whether it's sponsoring community events or collaborating with local organizations, First Community is dedicated to making a positive impact. While members can visit us at 5201 42Nd St S for all their banking needs from deposits and withdrawals to consultations official correspondence should be sent to the same address. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM, with drive-thru service available from 8 AM to 5:30 PM on weekdays and from 9 AM to 12 PM on Saturdays. As we look toward the future, we remain committed to enhancing member experience through customer-centric initiatives such as ADA compliance efforts and community outreach programs. Your trust drives us forward every day. Join First Community today and experience firsthand the benefits of being part of a credit union that truly cares about its members and their financial well-being. Together, we can achieve more! For any inquiries or assistance, feel free to call us at 701-499-4050 or visit our website at myfccu.com.

Branch Location & Accessibility

Convenient Access and Features

At First Community, we understand that convenience is key. Our branch features ample parking and is designed with accessibility in mind, ensuring everyone can easily reach us. If you need assistance entering the building, rest assured that we have ADA-compliant ramps available. Our operating hours are designed to fit your busy schedule. You can visit us Monday through Friday from 9 AM to 5 PM. If you're looking for a little more flexibility, our drive-thru service opens earlier at 8 AM and closes at 5:30 PM on weekdays, with Saturday hours from 9 AM to 12 PM. This allows you to manage your finances without disrupting your day.

Services Designed for You

At First Community, we offer a wide array of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we've got you covered! Plus, our ATM services are readily available for those quick cash withdrawals or balance checks anytime you need them. If you're ever unsure about what we offer or how we can assist you further, don't hesitate to give us a call at 701-499-4050. Our friendly team is ready to help! We can't wait to see you at First Community! Remember, while our main office is at 5201 42Nd St S, official correspondence can be sent to the same address. Stop by today and discover how we can help you achieve your financial goals!

Member Eligibility

At First Community, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the Fargo area, you're likely eligible to join us. We also welcome family members of existing members, making it easy for loved ones to benefit from our services together. Membership comes with many perks, including access to competitive loans, savings options, and personalized service that puts your needs first. To learn more about the specific eligibility requirements, feel free to visit our detailed page at https://www.myfccu.com/about/become-a-member.html. When you're ready to open an account, the process is straightforward just head over to https://www.myfccu.com/loans or give us a call at (701) 499-4050. We're excited to welcome you into our First Community family at 5201 42Nd St S Fargo Nd 58104!

Business Banking & Commercial Services

Lending Options for Every Need

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

Alongside our lending options, we offer merchant services that streamline payments and improve cash flow. Imagine being able to accept payments seamlessly, whether in-store or online. Our systems are designed to be user-friendly and efficient, allowing you to spend less time worrying about transactions and more time focusing on your customers. Located at 5201 42Nd St S Fargo Nd 58104 in Fargo, ND, our team is ready to assist you with personalized solutions tailored for your business. Contact us today at (701) 499-4050 to learn how we can help your business thrive!

Comprehensive List Of Services

Additional Services at Your Fingertips

For those who prefer in-person interactions, we offer basic drive-thru banking services for deposits, withdrawals, and simple transactions. If you're in a hurry but still need cash or want to check your balance, our ATM services provide quick access without any hassle. No matter what financial service you need, First Community is here for you every step of the way. We invite you to visit us at our Fargo location or give us a call at 701-499-4050 during regular hours from Monday to Friday from 9 AM to 5 PM (and Saturday mornings for drive-thru). Explore how we can support your financial journey by visiting our website at myfccu.com. Join us today and experience the difference that comes from being part of a community-focused credit union!

Digital Banking Convenience

In today's fast-paced world, we know that convenience is key. That's why we provide robust online and mobile banking options. Manage your accounts on-the-go, pay bills, transfer money between accounts, or even send money directly to friends through our person-to-person payment feature all from the comfort of your phone or computer.

Home Sweet Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services provide competitive rates and personalized support throughout the process. We work closely with you to ensure you find the right mortgage solution that fits your budget and future plans.

Personal Banking Made Easy

We understand that managing your finances can be overwhelming at times. That's why our personal banking options are designed with simplicity and convenience in mind. You can choose from various checking and savings accounts that fit your lifestyle, whether you're saving for a vacation or just want easy access to your funds. Additionally, if you're considering a new vehicle, our auto loans and vehicle financing options are here to help you hit the road with confidence.

Simplifying Your Financial Needs

If you're facing unexpected expenses or trying to consolidate debt, our personal loans and debt consolidation services offer flexible terms to ease your financial burden. Plus, enjoy the benefits of having a credit card with rewards, allowing you to earn while you spend on everyday purchases.

Supporting Local Businesses

For entrepreneurs and local businesses, we offer specialized business banking services, including merchant services and business loans. Our aim is to empower your business dreams with financial products designed specifically for your needs.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to access your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills with just a few clicks. Plus, if you prefer going paperless, our e-statements option makes it easy to view your account statements securely online. For those on the go, our mobile application provides all the features you need right in your pocket. Enjoy the convenience of mobile payments and person-to-person transfers to send or receive money quickly and safely. Whether you're splitting a bill with friends or making a last-minute payment, you can do it all from your smartphone.

Security You Can Trust

Your security is our top priority. We use robust measures to ensure that your personal information remains protected while you enjoy our online services. While we currently do not offer electronic signature authorization for transactions, rest assured that all features are designed with your safety in mind. With the combination of accessibility, ease-of-use, and real-time account management, First Community is here to support your financial journey every step of the way. Explore all that our digital banking services have to offer by visiting us at https://www.myfccu.com/ today!

Financial Strength

A Growing Community

Total Share Accounts stand at 185,519, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $1,787,553, further emphasizing our commitment to fostering your financial well-being. 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 5201 42Nd St S Fargo Nd 58104 or call (701) 499-4050 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 $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 who are always ready to assist you with knowledgeable support.

Reinvesting for Growth

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 goals with $6,018 in used auto loans and $989,505,874 in total loans and leases.

Solid 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 financing for both new and used vehicles, ensuring you find a plan that fits 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. We strive to make the home loan process as straightforward as possible so you can focus on making your new house a home.

Other Lending Options

In addition to these core offerings, we have various financing options available for personal needs and business growth. If you're a business owner seeking capital, our outstanding commercial loans totaling $615,205,115 provide the support needed to grow and expand. For those considering refinancing or exploring eligibility options for any of our products, feel free to reach out. You can contact us at 701-499-4050 during our operating hours: Monday through Friday from 9 AM to 5 PM (drive-thru open until 5:30 PM) and Saturday drive-thru from 9 AM to noon. 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 our loan products can help you today!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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 competitive rates and no hidden fees.

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FIRST COMMUNITY CREDIT UNION - Fargo, ND

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