First Community Credit Union Grand Forks ND | Best Auto Loans & Business Banking

Introduction

Welcome to First Community, your trusted partner in financial wellness, located at 3351 32Nd Ave S, Grand Forks, ND 58201. Since our establishment in 1939, we have been dedicated to serving our community with a wide range of financial services tailored to meet the unique needs of our members. With a strong membership base of 46,708 individuals and total assets exceeding $1.3 billion, we pride ourselves on fostering a supportive environment where everyone can achieve their financial goals. At First Community, we understand that banking is more than just transactions; it's about building relationships. Under the leadership of our CEO, Stephen Schmitz, and Board President, Owen Olson, we strive to create an atmosphere of trust and reliability. Our dedicated team of 256 employees is here to assist you with everything from personal banking to business loans, ensuring that you receive the best service possible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 3351 32nd Ave S, Grand Forks, ND 58201. With total deposits amounting to $22,879,509 and a net worth of $169,061,323, First Community is well-equipped to support your financial endeavors. We offer an array of services including auto loans, mortgages, credit cards with rewards, and online banking solutions that make managing your finances convenient and straightforward. Join us today and experience the difference that a member-focused credit union can make! Whether you're looking for assistance with loans or want to explore our various accounts, feel free to reach out at 701-772-9960 or visit our website at myfccu.com. Your journey towards financial empowerment starts here!

Branch History & Mission

First Community has a rich legacy that began in 1939, right here in Grand Forks, ND. Over the decades, we have grown from a small financial institution into a cornerstone of our community, now proudly serving over 46,000 members with total assets of approximately $1.35 billion. Our branch is located at 3351 32Nd Ave S, nestled in a vibrant area close to local shops and parks, making it convenient for our members to access essential financial services. Since our inception, First Community has remained focused on providing quality financial services while fostering a spirit of community support. Our mission is simple yet powerful: to enhance the lives of our members through personalized banking solutions and meaningful community engagement. We believe that by supporting our members financially, we can also uplift the neighborhoods where they live and work. Over the years, we've achieved numerous milestones that reflect our commitment to innovation and service. From introducing digital banking tools like online banking and mobile payments to ensuring ADA compliance for all our services, First Community continues to adapt to meet the evolving needs of our members. We are proud to offer features such as 24/7 ATM availability and drive-thru banking services that make transactions easy and accessible for everyone. While members can visit us at our Grand Forks location, official correspondence should be sent to the same address: 3351 32nd Ave S, Grand Forks, ND 58201. We invite you to experience our welcoming environment during lobby hours from 9 AM to 5 PM Monday through Friday and from 9 AM to noon on Saturdays. Our commitment extends beyond just banking; we actively seek partnerships with local organizations and participate in community outreach efforts. This engagement helps us better understand the needs of those we serve and allows us to provide tailored solutions that truly make an impact. If you're looking for a financial partner that cares about your success as much as you do, look no further than First Community. Join us today and discover how we can help you achieve your financial goals while being part of a supportive community. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces, ensuring that everyone can easily access our services. Parking is plentiful, allowing you to visit us without the stress of finding a spot.

Get in Touch!

Have questions or need assistance? Don't hesitate to give us a call at 701-772-9960. We invite you to stop by First Community today experience firsthand how we can support your financial journey!

Operating Hours

Our doors are open during convenient hours to fit your busy schedule. You can visit us Monday through Friday from 9 AM to 5 PM for lobby service, and we also have drive-thru banking available from 8 AM to 5:30 PM on weekdays. Need us on Saturday? We're here from 9 AM until noon!

Services Offered

We offer a range of services designed to meet your financial needs. Whether you're interested in personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards with rewards, our knowledgeable team is ready to help. Plus, enjoy easy access to our ATM services for withdrawals and balance checks anytime. While members can visit us at 3351 32Nd Ave S, official correspondence should be sent to the same address as our mailing address is identical.

Member Eligibility

Welcome to the First Community family! Becoming a member of First Community is a simple and welcoming journey, designed for individuals who want to be part of a supportive community. To join us, you just need to meet a few friendly criteria that include living, working, or attending school in our area. We're here for anyone who values personal banking with a caring touch. For more specific details about eligibility, feel free to visit our website at https://www.myfccu.com/about/become-a-member.html. Opening an account at First Community is as easy as pie! Our dedicated team is ready to assist you every step of the way, whether you're looking for checking and savings accounts, loans, or any other services we offer. If you have any questions or need guidance, don't hesitate to call us at (701) 772-9960. We're excited to welcome you into our community at 3351 32Nd Ave S Grand Forks Nd 58201, where your financial goals matter to us!

Business Banking & Commercial Services

Business Loan Options

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

In today's fast-paced world, efficient payment solutions are crucial for success. Our merchant services at First Community allow businesses to accept payments easily and securely, making transactions smooth for both you and your customers. Imagine running a café where patrons can pay quickly with their cards or mobile wallets while enjoying a great cup of coffee this is the convenience we strive to provide. Visit us at 3351 32Nd Ave S Grand Forks Nd 58201 in Grand Forks, ND or call us at (701) 772-9960 to explore how our business banking and commercial services can help you reach your goals!

Comprehensive List Of Services

ATM and Drive-Thru Access

We also provide convenient ATM services for quick cash withdrawals and balance checks. Plus, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. If you're ready to take control of your financial future or want more information about our services at First Community, give us a call at 701-772-9960. We are here to help you every step of the way! For more details on how to become a member or open an account, visit us online at myfccu.com. Join us today and experience the benefits of being part of a community-focused credit union!

Business Banking Services

For business owners, First Community offers comprehensive business banking solutions including merchant services and business loans. We understand the unique challenges that businesses face, which is why our team is dedicated to providing support tailored to help your enterprise thrive.

Digital Banking Convenience

In today's fast-paced world, we know how important it is to have access to your finances anytime and anywhere. That's why we offer robust online and mobile banking services. With these tools, you can check balances, transfer funds, pay bills, and even send money directly from your phone all from the comfort of your home or while on the go.

Personal Banking Solutions

When it comes to personal banking, we have you covered with our checking and savings accounts that cater to different lifestyles and goals. Whether you're saving for a special occasion or managing daily expenses, our accounts come with features designed for ease of use. Need a vehicle? Our auto loans and vehicle financing options make purchasing your dream car more attainable. We offer competitive rates and flexible terms to fit your budget. If homeownership is on your mind, explore our mortgage loans and refinancing solutions. Our knowledgeable team will guide you through the process, making it simpler to secure the perfect loan for your new home or refinance an existing one. And if you find yourself facing unexpected expenses or planning a big purchase, consider our personal loans and debt consolidation services. We're here to help you navigate these challenges without breaking the bank.

Rewards Credit Cards

Don't forget about our credit cards with rewards! These cards not only provide you with purchasing power but also allow you to earn points for everyday spending, which can be redeemed for exciting rewards.

Digital & Online Banking

E-Statements and Security

Say goodbye to paper clutter! We provide e-statements that let you view your account statements securely online. This not only helps the environment but also gives you instant access to your financial information without waiting for the mail. Plus, while we don't currently offer electronic signature authorization, we ensure that all your transactions are safe and secure.

Mobile Banking Made Easy

With our mobile application, banking is right in your pocket! You can manage your accounts, deposit checks, and even make mobile payments with ease. Whether you're out running errands or relaxing at home, our app keeps you connected to your money whenever you need it.

Person-to-Person Transfers

Need to send money quickly? Our person-to-person transfer feature allows you to send money directly to friends or family with just a few taps. It's quick, simple, and perfect for splitting bills or paying back loans. In summary, at First Community, we're committed to providing modern banking solutions that fit your lifestyle. Enjoy the convenience of digital banking while knowing that your information is protected every step of the way. Join us today by visiting https://www.myfccu.com/ and experience banking made easy!

Financial Strength

Growing Trust Among Members

With total share accounts reaching 185,519, we have built a strong and growing member base that trusts us with their finances. This trust underlines our mission: to be your reliable partner for all your banking needs. 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 3351 32Nd Ave S Grand Forks Nd 58201 or call (701) 772-9960 to learn more about how we can help you achieve your financial goals.

Investment in 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 is significant; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we're here to support your financial goals across various sectors.

Member-Centric Savings Options

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 evident in our $2,725,044, which reflects our ability to manage resources effectively while continuing to offer 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.

Strong 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 for both new and used vehicles to ensure you find the perfect fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We know how vital it is for businesses to have access to funds when they need them most.

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 aim to make the process straightforward and stress-free so you can focus on making your house a home.

Refinancing and Eligibility

If you're considering refinancing any existing loans or want to learn more about eligibility options for any of our products, our team is ready to assist you. We aim to make sure that every member finds the best financial solution for their unique situation. For more information about our loan offerings or assistance with application processes, feel free to reach out at 701-772-9960. 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 First Community can support your financial journey today!

Unsecured Credit Card Loans

Managing finances can be challenging, but we are here to help. We also offer flexible terms on unsecured credit card loans, with a total of $17,391,230 in loans assisting our members effectively. This option allows you to handle unexpected expenses or finance everyday purchases without collateral.

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FIRST COMMUNITY CREDIT UNION - Grand Forks, ND

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