First Community Credit Union Kindred ND | Quick Personal Loans & Business Banking

Introduction

Welcome to First Community, your trusted financial partner located at 120 Spruce St, Kindred, ND 58051. Since our establishment in 1939, we have been dedicated to serving our community and helping members achieve their financial goals. With a strong commitment to excellent service, our credit union proudly boasts a membership of over 46,708 individuals who trust us with their banking needs. At First Community, we understand that your financial journey is unique. That's why we offer a range of services designed for everyone from personal banking solutions like checking and savings accounts to various loan options including auto loans, mortgages, and business financing. Our total assets amount to an impressive $1,345,182,655, ensuring we have the resources to support you every step of the way. Our team, led by CEO Stephen Schmitz and Board President Owen Olson, is here to provide personalized assistance. We have a total of 256 employees ready to help you navigate your finances effectively. Whether you need guidance on loans or are looking for ways to grow your savings, we are just a phone call away at 701-428-9111. While members can visit us at our branch location for face-to-face consultations, official correspondence should be directed to the same address: 120 Spruce St, Kindred, ND 58051. With total deposits reaching $22,879,509 and net worth standing at $169,061,323, First Community remains a stable and reliable choice for all your banking needs. We invite you to explore our services further on our website at myfccu.com or stop by during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Join us today and experience the difference that a community-focused credit union can make in your life!

Branch History & Mission

At First Community, our story began in 1939 right here in Kindred, ND. Over the years, we have grown from a small credit union to a trusted financial partner for over 46,000 members. Today, we proudly manage total assets of more than $1.3 billion, reflecting our commitment to serving the needs of our community and beyond. Located at 120 Spruce St, Kindred, ND 58051, our branch has become a cornerstone of the local area. We are easily accessible and situated near popular landmarks that make it convenient for members to drop by for their banking needs. While members can visit us at this address, any official correspondence should be sent to the same address as our mailing address remains unchanged. Our mission at First Community is simple yet profound: to provide exceptional financial services while fostering a sense of community support. We aim to empower our members through personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We believe that everyone deserves access to quality financial services that help them achieve their goals. As we look back on our history, we celebrate key milestones that have shaped who we are today. From introducing online banking and mobile payments to ensuring ADA compliance and enhancing customer service initiatives, we continuously strive to meet the evolving needs of our members. Our operating hours from Monday to Friday between 8:30 AM and 4:30 PM reflect our dedication to being available when you need us. In addition to our financial products, we take pride in our community outreach efforts. Through partnerships with local organizations and initiatives aimed at supporting residents in Kindred and surrounding areas, we work hard to give back and contribute positively to the lives of those around us. At First Community, you're not just a member; you're part of a family that cares about your financial well-being and your future. If you haven't joined us yet, now is the perfect time! Experience the benefits of being part of First Community by visiting us or reaching out at 701-428-9111. We look forward to welcoming you into our community!

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility for all our members. Our location is ADA compliant, ensuring that everyone can navigate our facilities with ease. Whether you're walking in or visiting us for drive-thru services, we want to make your banking experience as smooth as possible.

Convenient Location

Our branch is just a short drive from popular local spots like the Kindred City Park, making it easy for you to stop by while enjoying the community's amenities. With plenty of parking available, you can easily access our services without any hassle.

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 4:30 PM, ready to assist you with a variety of services. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! While we currently do not offer ATM or drive-thru services at this location, our friendly staff is always available to help meet your banking needs directly in our lobby. Should you need to reach out before your visit, feel free to call us at 701-428-9111. While members can visit us at 120 Spruce St for all their banking needs, official correspondence should be sent to the same address. Come see how First Community can support your financial journey today! We look forward to welcoming you into our branch!

Member Eligibility

At First Community, we believe that everyone deserves a chance to belong to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area around 120 Spruce St Kindred Nd 58051, you're likely eligible to join us. We aim to include as many people as possible, so whether you're looking for personal banking solutions, loans, or just a friendly place to manage your finances, we're here for you. Joining First Community not only grants you access to our wide range of services but also connects you with a community focused on helping each other thrive. To get started, simply check out the eligibility details on our website at https://www.myfccu.com/about/become-a-member.html. If you have any questions or want to open an account, feel free to call us at (701) 428-9111. We're excited to welcome you into the First Community family!

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 $1740 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 $615205115, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having the right tools at your disposal can set you apart from the competition. Our merchant services allow you to accept payments effortlessly, whether in-person or online. Picture a busy Saturday at your local café where customers can easily pay with their cards or mobile wallets, keeping lines short and smiles wide. That's the kind of service we provide making every transaction smoother for you and your customers. Join us at First Community located at 120 Spruce St Kindred Nd 58051 in Kindred, ND, and let us empower your business journey. Contact us today at (701) 428-9111 to learn more about how we can help you achieve your goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to buy a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Picture yourself cruising in your dream vehicle without worrying about high monthly payments. We work with you to find the best financing solution that suits your budget.

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. You'll have access to tools that help streamline operations and grow your enterprise because we believe in supporting local businesses like yours!

Convenient Access to Your Accounts

In today's busy world, convenience is key. That's why we also provide ATM & Cash Withdrawal Services, ensuring that accessing cash when you need it is simple and straightforward. Plus, our mobile app allows for easy access to all these services right at your fingertips. At First Community in Kindred, ND, we're committed to making banking easy and accessible for everyone in our community. If you're ready to explore how we can meet your financial needs or if you have questions about any of our services, don't hesitate to reach out! Call us today at 701-428-9111 or visit our website at myfccu.com for more information. Your financial journey starts here let us be part of it!

Credit Cards with Rewards

Make everyday purchases rewarding! Our Credit Cards with Rewards allow you to earn points on what you already buy. Whether it's groceries or gas, these rewards can add up quickly, giving you even more value from your spending.

Mortgage Loans & Refinancing

If you're considering purchasing a home or refinancing an existing mortgage, we can assist you with tailored Mortgage Loans. Our knowledgeable team will guide you through the process, helping you understand all your options so you can make informed decisions.

Personal Banking Solutions

Whether you're looking for a checking account to manage your daily expenses or a savings account to build your future, our personal banking services have you covered. We offer various options designed to fit your lifestyle, ensuring that managing your money is as easy as possible. Imagine being able to check your balance or transfer funds right from your phone our Online & Mobile Banking makes this a breeze!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our Personal Loans, you can manage those costs effectively. Whether it's for home improvements or consolidating debt, we're here to help simplify your finances and give you peace of mind.

Digital & Online Banking

At First Community, we understand that managing your finances should be simple and secure. That's why we offer a range of digital and online banking services designed to put you in control, anytime and anywhere. With our online banking platform, you can access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Our user-friendly interface makes navigating through your financial information easy, so you can spend less time managing money and more time enjoying life. For those who prefer banking on the go, our mobile application offers all the functionalities you need right at your fingertips. You can make mobile payments, send person-to-person transfers, and even view e-statements all from the convenience of your smartphone. Plus, with the ability to authorize electronic signatures for certain transactions, you can complete tasks quickly without needing to visit a branch. Security is a top priority for us at First Community. We implement robust measures to ensure that your data remains safe while using our online services. You can bank with confidence knowing that your personal information is protected. In today's fast-paced world, having real-time access to your accounts is essential. Our digital banking services provide you with the flexibility to manage your finances whenever it suits you best. Say goodbye to long lines and limited hours our services are designed for your convenience. Discover how easy banking can be with First Community by visiting our website today!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $141,996,298 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,018 in used auto loans and $989,505,874 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Growing Member Base

With a strong member base demonstrated by 185,519 total share accounts, trust is at the core of what we do. This growing community relies on us for their financial needs, reinforcing our dedication to service excellence. 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 120 Spruce St Kindred Nd 58051 or call (701) 428-9111 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive $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 ready to assist you with any inquiries or needs you may have.

Secured Savings Opportunities

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.

Strong Financial Health

With a net worth of $169,061,323, we maintain robust 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. Whether you're financing a brand-new model or a reliable used vehicle, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand your operations. We believe in supporting local businesses and are committed to helping entrepreneurs succeed. --- If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. Our dedicated team at First Community is ready to assist you. Feel free to visit us at 120 Spruce St Kindred Nd 58051, or call us at 7014289111 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you make informed decisions about your financial future!

Credit Lines

For those looking for extra flexibility in their borrowing options, we offer credit lines with a total value of $357,890,338. This option provides you with access to funds when unexpected expenses arise or when you want to make larger purchases without having to apply for a new loan each time.

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 know that securing a mortgage can be daunting, but our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes feel overwhelming. That's where our flexible terms on unsecured credit card loans come into play. With a total of $17,391,230 in loans helping members manage their finances effectively, you can rest assured knowing that you've got support when you need it most.

Loan Aggregator

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FIRST COMMUNITY CREDIT UNION - Kindred, ND

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