First Community Credit Union Lakota ND | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to First Community, your trusted partner in financial growth, located at 201 Main St N, Lakota, ND 58344. Established in 1939, we have proudly served our community for over eight decades, helping our members achieve their financial dreams with personalized service and a deep commitment to their well-being. As a member of First Community, you are part of a thriving family that now includes 46,708 members. Our success is reflected in our robust financial standing, boasting total assets of $1,345,182,655 and total deposits amounting to $22,879,509. We believe that strong financial health not only benefits our credit union but also empowers you to make informed decisions about your future. At First Community, we take pride in offering a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total loans issued stand at 23,333, showcasing our commitment to supporting your goals, whether you're buying a new car or refinancing your home. Our dedicated team of 256 employees, led by CEO Stephen Schmitz and Board President Owen Olson, works tirelessly to ensure that every member receives exceptional service. We understand that banking is about building relationships based on trust and transparency. That's why we're here for you ready to answer your questions and guide you through every step of your financial journey. While you're welcome to visit us at the branch for any inquiries or support during our operating hours from 8:30 AM to 4 PM (Monday through Friday), don't hesitate to reach out by phone at 701-247-2759. We invite you to explore all the ways First Community can help you thrive financially. For more information about our services or how to become a member, please visit us online at myfccu.com. Join us today let's build a brighter financial future together!

Branch History & Mission

At First Community, we proudly celebrate our rich history that dates back to 1939, when our doors first opened in Lakota, ND. Over the decades, we have grown from a small group of dedicated members into a thriving community credit union, now serving over 46,000 members. Our branch is located at 201 Main St N, a spot that has become central to the financial lives of many in the area. Our mission is straightforward: to empower our members through exceptional financial services while strengthening our community. We believe in providing accessible banking solutions tailored to meet the unique needs of each individual and business we serve. With total assets exceeding $1.3 billion, First Community stands as a reliable partner for personal banking, auto loans, mortgages, and business financing. As part of our commitment to excellence, we ensure that our services are not only comprehensive but also easy to access. While members can visit us at 201 Main St N for in-person assistance during our operating hours Monday through Friday from 8:30 AM to 4 PM we also offer modern conveniences such as online and mobile banking options. This means you can manage your finances anytime and anywhere. We strive to keep pace with technological advancements while maintaining ADA compliance to ensure all members feel welcome and supported. Our customer-centric approach has led us to develop strong partnerships within the community. Through various outreach efforts and programs, we work hand-in-hand with local organizations to support initiatives that uplift and enhance the lives of those around us. While our branch address is where you can find us for face-to-face interactions, any official correspondence should be sent directly to our headquarters in Jamestown, ND. We invite you to join First Community Credit Union and experience how we're more than just a bank; we're a partner invested in your financial success and community wellbeing. If you're looking for a supportive financial institution that values its members above all else, look no further than First Community. Discover the benefits of membership today by visiting our website or calling us at 701-247-2759. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to First Community, your friendly neighborhood credit union located at 201 Main St N, Lakota, ND 58344. We're right in the heart of Lakota, making it easy for you to access our services. Whether you're heading to the local shops or visiting nearby landmarks, you'll find us conveniently positioned and ready to help with all your banking needs. While members can visit us at our branch address, please note that we do not have a separate mailing address for official correspondence. This ensures that you can easily reach out to us without any confusion. Our branch is designed with accessibility in mind. We offer ADA-compliant features, including ramps for easy entry. Parking is available right outside, so you can quickly get in and out without hassle. At First Community, we understand that your time is valuable. That's why our lobby hours are set from 8:30 AM to 4 PM, Monday through Friday. We invite you to stop by during these times to explore our wide range of services, which include personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Although we currently do not have an ATM or drive-thru service available at this branch, our dedicated staff is here to assist you with all your banking questions and transactions directly inside the branch. You can reach us at 701-247-2759 if you have any inquiries or would like more information about our offerings. We look forward to welcoming you at First Community! Feel free to drop by or give us a call we're here to support your financial journey!

Member Eligibility

Welcome to the wonderful community at First Community! Becoming a member is not just about opening an account; it's about joining a family that genuinely cares for your financial wellbeing. If you're looking to join us, you'll be pleased to know that membership is open to anyone who lives, works, or worships in our local area. This means if you're part of our vibrant community here at 201 Main St N Lakota Nd 58344, you're likely eligible! Plus, we believe in making banking personal and accessible our friendly team is ready to help you every step of the way. To get started, simply visit our website for more details on membership requirements at https://www.myfccu.com/about/become-a-member.html. It's straightforward and filled with all the information you need to check your eligibility. Should you have any questions or want to talk through the process, don't hesitate to give us a call at (701) 247-2759. We can't wait to welcome you into the First Community family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner that not only offers loans but also enhances your daily operations. Our merchant services enable you to accept payments seamlessly, manage transactions easily, and focus on what matters most growing your business. From point-of-sale systems to online payment options, we equip you with the tools needed for efficiency and customer satisfaction. Located at 201 Main St N Lakota Nd 58344 in Lakota, ND, we invite you to explore how our business banking solutions can empower your enterprise. Contact us today at (701) 247-2759 or visit our website at https://www.myfccu.com/ for more information!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Additional Services

While these services form the backbone of what we offer at First Community, we also provide essential ATM and cash withdrawal services so that accessing cash is hassle-free whenever you need it. At First Community, we strive to make banking as convenient as possible while meeting all your financial needs under one roof. If you're ready to take the next step toward achieving your financial goals, give us a call at (701) 247-2759 or visit us at 201 Main St N Lakota Nd 58344 in Lakota, ND. Let's work together towards securing your financial future!

Auto Loans & Vehicle Financing

If you're looking to purchase a new vehicle, our Auto Loans & Vehicle Financing options make it simple. We offer competitive rates and flexible terms that fit your budget. Picture yourself driving off in your dream car while knowing that you've secured a great deal through us.

Business Banking Services

For entrepreneurs and business owners, we offer specialized Business Banking solutions including merchant services and business loans. We know how vital access to funding is for growth and sustainability; that's why we are committed to supporting local businesses thrive in our community.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow members easy access to their accounts anytime and anywhere. You can manage transactions, pay bills, and even send money to friends with just a few taps on your phone.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers more than just purchasing power; it rewards you for everyday spending. Earn points on purchases that can be redeemed for travel, merchandise, or even cash back making every dollar spent work harder for you.

Home Financing Made Easy

When it comes to buying a home, our Mortgage Loans & Refinancing services can guide you through the process smoothly. Whether you're a first-time homebuyer or looking to refinance your current mortgage for better rates, our team is ready to assist you every step of the way.

Personal Banking Solutions

We start with Personal Banking, where you can choose from various checking and savings accounts designed for your lifestyle. Whether you're saving for a special occasion or managing day-to-day expenses, our accounts provide flexibility and convenience. With features like online banking and mobile payments, accessing your funds has never been easier. Imagine being able to check your balance or transfer money on the go, all from the comfort of your smartphone.

Personal Loans for Every Need

Life can throw unexpected expenses your way, which is why we provide Personal Loans & Debt Consolidation options. These loans can help cover medical bills, home repairs, or even consolidate existing debts into one manageable payment. We're here to help you regain control of your finances.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, ensuring that you can check your account balances, pay bills, and transfer funds whenever you need to. No more waiting in lines or rushing to the bank before closing time! You also have the option of receiving e-statements, so you can keep track of your transactions without the clutter of paper statements. For those who prefer managing their finances on the go, our mobile application offers all the tools you need right at your fingertips. You can even make mobile payments with ease, making shopping simpler than ever. Want to send money to friends or family? Our person-to-person transfer feature allows you to do just that quickly and securely.

Security and Accessibility

Your security is our priority. While we currently do not offer electronic signature authorization, rest assured that all transactions conducted through our online banking platform are protected with robust security measures. We're committed to providing an experience that is both secure and easy to navigate. In summary, First Community offers a comprehensive suite of digital banking services tailored for modern lifestyles. Whether you're managing your accounts from home or on the move, we make it simple and safe for you to take control of your finances. Join us today at https://www.myfccu.com/ and experience the convenience of digital banking!

Financial Strength

Commitment to Innovation and Support

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 a total of $989,505,874 in loans and leases available to help you achieve your dreams. 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.

Growing Member Trust

Total Share Accounts stand at 185,519, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $1,787,553, we are well-positioned for future growth while prioritizing your 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 201 Main St N Lakota Nd 58344 or call (701) 247-2759 to learn more about how we can help you achieve your financial goals.

Secure 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.

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 terms and competitive rates tailored to meet your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. Whether you need funding for equipment purchases or operational expenses, we're ready to support your business journey.

Credit Lines

Additionally, we have robust credit line options available with a total of $357,890,338 in loans. This gives you the flexibility to access funds as needed while only paying interest on what you use. At First Community, we prioritize helping our members succeed financially. If you're interested in any of these loan products or want more information about eligibility and refinancing options, don't hesitate to reach out! You can contact us at 701-247-2759 or visit us at 201 Main St N Lakota Nd 58344. For more details about becoming a member and accessing our services online, check out our website. *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, including Junior Lien 1-4 Family Residential Properties loans totaling $27,613,191, make buying or refinancing simple. We offer various programs to fit different situations and budgets. If you're considering refinancing your current mortgage, our team is here to guide you through the options available.

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. These credit cards come with rewards and no hidden fees just straightforward service designed for your convenience.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and efficiently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective and user-friendly the platform is for those seeking better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers tailored to their needs. The platform prioritizes accuracy, providing verified data from legitimate financial institutions, which means you can trust the information presented.

FIRST COMMUNITY CREDIT UNION - Lakota, ND

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