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

Introduction

Welcome to First Community, your trusted financial partner located at 606 25Th St Sw, Jamestown, ND 58401. Since our establishment in 1939, we have proudly served the Jamestown community and beyond, growing into a vital resource for over 46,700 members. With total assets exceeding $1.34 billion, we are committed to providing reliable financial services that cater to your individual needs. At First Community, we believe in fostering strong relationships with our members. Our dedicated team of 256 employees, led by CEO Stephen Schmitz and Board President Owen Olson, is here to support you every step of the way. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. While you can visit us at our main branch address, please note that official correspondence should be directed to our mailing address: PO Box 5175, Jamestown, ND 58402-5175. This ensures that all your inquiries are handled promptly and efficiently. We take pride in our solid financial standing, which includes total deposits of $22,879,509 and a net worth of $169,061,323. With over 23,333 loans and leases issued, we are dedicated to empowering our members through accessible credit options. Plus, with cash reserves of $16,233,533, you can trust us to manage your funds securely. At First Community, we don't just provide banking services; we invest in our community's growth. Our commitment extends beyond transactions we aim to build a brighter future for everyone involved. We invite you to explore all that we offer by visiting us online at First Community or calling us at 701-251-9194. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Commitment to Innovation

As we move forward into the future, First Community remains committed to embracing technology while ensuring accessibility for all members. We offer online and mobile banking options that allow you to manage your finances anytime and anywhere. Our services include everything from personal loans and credit cards with rewards to business loans and merchant services. Our dedication extends beyond financial transactions; we actively engage in community outreach efforts that support local initiatives and partnerships aimed at improving life in Jamestown. Whether it's sponsoring local events or providing educational resources about financial literacy, we strive to be a positive force in our community. In conclusion, we invite you to join First Community and experience the benefits of being part of an organization that prioritizes your financial well-being while investing in the community around us. Reach out today at 701-251-9194 or visit us online at First Community to learn more about becoming a member. Together, let's build a brighter future!

Our Mission

Our mission at First Community is simple yet powerful: we aim to provide exceptional financial services while making a positive impact in the lives of our members and the broader community. We believe in empowering individuals through responsible lending practices and personalized service. With total assets now exceeding $1.3 billion, we are well-equipped to offer a variety of services including checking and savings accounts, auto loans, mortgages, and business banking. First Community is dedicated to making banking easier for everyone. We understand that convenience matters; that's why we offer both ATM access and drive-thru services. You can count on us from Monday to Friday between 9 AM and 4 PM for lobby hours, with extended drive-thru hours until 5:30 PM.

Branch Location & Accessibility

A Warm Invitation

We invite you to come visit us at our Jamestown branch! If you have any questions or need assistance before you arrive, feel free to give us a call at 701-251-9194. We look forward to serving you!

Convenient Access and Nearby Landmarks

Finding us is a breeze! We're close to popular spots like the Buffalo Mall and local eateries, ensuring that your visit can easily fit into your day. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant entrances and ramps for those who need them.

Operating Hours That Fit Your Schedule

Our friendly staff is ready to assist you Monday through Friday from 9 AM to 4 PM. If you prefer the drive-thru option for your transactions, we open early at 8 AM and stay available until 5:30 PM. This flexibility means you can get your banking done on your schedule!

Services Tailored Just for You

At First Community, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Need quick access? Our ATM is available on-site for withdrawals and balance checks.

Member Eligibility

Becoming a member of First Community is like joining a warm, welcoming family where everyone looks out for each other. If you live, work, or worship in the Jamestown area or have a family member who is already a member, you're likely eligible to join us! We believe in making banking accessible and friendly, so whether you're just starting your financial journey or looking to grow your savings, we've got the tools and support to help you succeed. For more specific details on eligibility, feel free to check out our resource at https://www.myfccu.com/about/become-a-member.html. Opening an account with us is simple and straightforward. You can visit us at our branch located at 606 25Th St Sw Jamestown Nd 58401, or if you prefer, give us a call at (701) 251-9194. We're here to help you every step of the way. Discover how being part of First Community can enhance your financial experience by visiting our website for more information!

Business Banking & Commercial Services

Member and Non-Member 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. - 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

But we don't stop at loans. Our merchant services simplify payment processing so you can focus on what matters most your customers. Imagine offering various payment options, from credit cards to mobile payments, all backed by reliable support. This means faster transactions and happier customers, which translates into better business performance. Located at 606 25Th St Sw Jamestown Nd 58401 in Jamestown, ND, our dedicated team is ready to partner with you on your journey to success. Contact us today at (701) 251-9194 to explore how we can help your business grow!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we provide comprehensive business banking services, including merchant services that facilitate smooth transactions for your customers. Our business loans can empower you to expand operations or invest in new opportunities, ensuring your business thrives.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking features. With easy access from anywhere, managing your finances has never been simpler. You can check balances, transfer funds, or pay bills all at the touch of a button on your smartphone or computer. We also offer ATM services for quick cash withdrawals and basic drive-thru banking for deposits and simple transactions. Need assistance? You can reach us anytime at (701) 251-9194, where our friendly staff is ready to help.

Final Thoughts

At First Community, we strive to create a welcoming environment where you feel valued as a member. We encourage you to explore our services further by visiting us at Branch - Jamestown Buffalo Mall or giving us a call. Join us today and discover how we can help meet your financial needs!

Loans and Credit

Managing debt can be challenging. That's why we offer personal loans and debt consolidation options that can help simplify your payments and reduce interest costs. If you're someone who enjoys rewards for spending, check out our credit cards with rewards that allow you to earn points on every purchase.

Personal Banking

Our personal banking services are crafted for individuals and families looking to manage their finances effectively. We offer checking and savings accounts that cater to various lifestyles. Imagine having easy access to your funds while earning interest on your savings our accounts make this a reality. If you're considering purchasing a car, our auto loans and vehicle financing options provide competitive rates and flexible terms to help you drive away in your dream vehicle. For those interested in home ownership, our mortgage loans and refinancing options can guide you through the process seamlessly. Whether you're buying your first home or looking to refinance an existing mortgage, our team is here to assist every step of the way.

Digital & Online Banking

Access Your Statements Anytime

We know that keeping track of your finances is important. That's why we offer e-statements that let you view your account activity whenever you need. You can say goodbye to paper clutter and access your statements securely online.

Mobile Banking Made Easy

Our mobile application brings banking right to your fingertips. Need to make a quick payment? With our mobile payments feature, sending money is as easy as tapping your screen. Plus, if you want to send money to friends or family, our person-to-person transfers allow for quick transactions without any hassle.

Sign with Ease

For those times when you need to sign documents, our electronic signature authorization makes the process straightforward and efficient. This feature ensures that you can complete transactions quickly without needing to visit a branch. At First Community, we're committed to making banking accessible and user-friendly for all our members. Explore all that our digital services have to offer today and experience the ease of managing your finances from wherever life takes you!

Financial Strength

At First Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial health, which reflects our commitment to you as a valued member. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 robust; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $2,725,044, 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. Total Share Accounts stand at 185,519, showcasing a strong and growing member base that trusts us with their finances. 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 606 25Th St Sw Jamestown Nd 58401 or call (701) 251-9194 to learn more about how we can help you achieve your financial goals.

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 make it easy for you to find a vehicle that fits your lifestyle and budget. Whether you're purchasing a brand-new model or a reliable used option, we have financing solutions that can help you drive home happy.

Business Loans

For those who own businesses, our outstanding commercial loans amounting to $615,205,115 are available to help you grow and expand your operations. We understand the unique challenges business owners face and strive to provide capital solutions that support your objectives. With a focus on transparency and member service, our loan offerings are designed with you in mind. If you're curious about eligibility options or would like more information on how to get started with any of our loan products, please don't hesitate to reach out! For any questions or assistance regarding our loan offerings at First Community located at 606 25Th St Sw Jamestown ND 58401, feel free to call us at 701-251-9194. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $27,613,191, making buying or refinancing straightforward. We provide flexible terms and competitive rates to ensure you can secure a home that suits your needs. If you're considering refinancing your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but with our flexible terms on unsecured credit card loans totaling $17,391,230 you can gain more control over your finances. These cards come with benefits that help you manage purchases effectively while providing peace of mind when unexpected expenses arise.

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FIRST COMMUNITY CREDIT UNION - Jamestown, ND

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