First Community Credit Union Larimore ND | Affordable Auto Loans & Personal Banking

Introduction

At First Community, we believe that banking should be a personal experience, tailored to meet the needs of our members. Located at 217 Towner Ave, Larimore, ND 58251, our branch has been serving the community since 1939 with a commitment to making financial services accessible and friendly. With over 46,000 members and total assets exceeding $1.34 billion, we take pride in being a trusted partner in your financial journey. Our dedicated team, led by CEO Stephen Schmitz and Board President Owen Olson, is here to provide personalized support, whether you're looking for checking accounts, auto loans, or mortgage options. We also offer business banking solutions that can help local businesses thrive. Currently, our total deposits stand at $22,879,509, showcasing the trust our members place in us. While you can visit us at our Larimore location for all your banking needs, official correspondence should be directed to the same address. We are here Monday through Friday from 9:00 AM to 4:00 PM to assist you in person or over the phone at 701-343-6473. At First Community, we are not just about numbers; we are about relationships. With total loans of 23,333 and a net worth of $169,061,323, we strive to enhance the financial well-being of every member in our community. Join us today by visiting our website at myfccu.com to explore membership options or apply for an account online. Experience the difference with First Community where your financial goals become our mission!

Branch History & Mission

At First Community, we take pride in our rich legacy of serving the Larimore community since our founding in 1939. Over the years, we have grown alongside our members, evolving from a small local credit union into a trusted financial partner for over 46,000 members. Our branch is conveniently located at 217 Towner Ave, Larimore, ND 58251 just a stone's throw from the bustling heart of the city, making it easy for you to access our services. Our mission is simple yet profound: to empower individuals and families through exceptional financial services and community support. We believe that everyone deserves a chance to succeed financially, and we work hard to provide tailored solutions that meet your unique needs. Whether it's personal banking, auto loans, mortgages, or business financing, we are here to help you navigate your financial journey with confidence. Since opening our doors, First Community has made significant strides. Today, our total assets stand at an impressive $1,345,182,655. This growth reflects not only our commitment to sound financial practices but also the trust placed in us by the community we serve. We offer a variety of services including online and mobile banking options for your convenience. Our branch features both ATM availability and drive-thru banking to ensure that accessing your accounts is as seamless as possible. While members can visit us at our Larimore address for all their banking needs, official correspondence should be directed to the same location: 217 Towner Ave, Larimore, ND 58251. We strive to make a positive impact beyond just banking. Our partnerships with local organizations enable us to contribute meaningfully to community outreach efforts. Together with our members, we support initiatives that uplift and strengthen Larimore. At First Community, we are more than just a credit union; we are a part of your community. Join us today and discover how we can help you achieve your financial goals while making a difference in the lives of others around you. Visit us or call us at 701-343-6473 we look forward to welcoming you!

Branch Location & Accessibility

Convenient Access

Finding us is easy! Our location at 217 Towner Ave is close to local landmarks, making it a breeze for residents and visitors alike to drop in. We offer ample parking right outside the branch for your convenience. Plus, our facilities are designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably.

Get in Touch!

Have questions or need assistance? Don't hesitate to reach out! You can call us at 701-343-6473. We look forward to welcoming you into our branch soon come experience the warmth and support of First Community!

Operating Hours

We understand that life can get busy. That's why we're open Monday through Friday from 9:00 AM to 4:00 PM for lobby services. If you prefer drive-thru banking, you can access it during the same hours, allowing for quick and easy transactions without leaving your vehicle.

Services Offered

At First Community, we pride ourselves on offering a wide range of services tailored to meet your needs. From personal checking and savings accounts to auto loans, mortgage options, and credit cards with rewards, we have something for everyone. Our ATM is available for cash withdrawals and balance checks anytime you need it! While members can visit us at 217 Towner Ave for all their banking needs, official correspondence should be sent to the same address.

Member Eligibility

Joining the First Community community is an exciting opportunity to access a range of financial services tailored just for you. To become a member, you'll need to meet a few simple eligibility criteria, which primarily revolve around living, working, or worshipping in our service areas. This means if you're part of our local community here in Larimore, ND, you're likely already eligible! Plus, becoming a member comes with fantastic benefits like competitive rates on loans and personalized service that puts your needs first. If you're ready to take this step, opening an account is straightforward and can be done online or in person. For more specific details about eligibility requirements, feel free to visit our website at https://www.myfccu.com/about/become-a-member.html. Should you have any questions or need assistance, don't hesitate to reach out to us at (701) 343-6473. We're here to help!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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 for Everyday Transactions

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine having the ability to accept payments quickly and securely, allowing you to focus on what truly matters growing your business. Our services are designed to enhance customer experiences while providing you with the tools needed for efficient financial management. Located at 217 Towner Ave Larimore Nd 58251 in Larimore, ND, we're here to partner with you on your journey toward success. Contact us at (701) 343-6473 or visit us online at https://www.myfccu.com to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Banking for Local Entrepreneurs

For small business owners, we offer comprehensive Business Banking services including Merchant Services and Business Loans. We recognize the hard work that goes into running a business and are here to provide the necessary tools for your success.

Credit Solutions That Reward You

Looking to build or enhance your credit? Our Credit Cards with Rewards not only provide purchasing power but also offer benefits that can make everyday spending more rewarding.

Digital Convenience at Your Fingertips

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why we provide robust Online & Mobile Banking features that allow you to manage your finances on-the-go. From checking balances to transferring funds, everything is just a click away. Plus, our ATM and Cash Withdrawal Services ensure that you have easy access to your money when you need it.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions or simply need quick access without leaving their vehicle, our Basic Drive-Thru Banking offers convenient deposit and withdrawal services. Additionally, our ATMs allow for cash withdrawals and balance checks anytime. We invite you to visit us or call us at 701-343-6473 for any inquiries about our services or assistance in opening an account. Discover how First Community can help you achieve your financial goals today!

Flexible Lending Options

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation to help you navigate those challenges. With competitive rates and personalized service, our loan specialists will guide you through the process to ensure you get the support you need.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking options are designed for convenience. We understand that managing finances can sometimes feel overwhelming, so we offer straightforward solutions that fit into your daily life. If you're considering buying a car, our Auto Loans & Vehicle Financing can help you hit the road with confidence. And if homeownership is on your mind, our Mortgage Loans & Refinancing services make it simple to find the right plan for you.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you have the freedom to check your account balances, pay bills, and transfer money whenever it suits you. This means no more rushing to the bank before closing time everything is just a click away. Plus, you can enjoy the ease of e-statements, allowing you to keep track of your transactions without the clutter of paper statements. If you're always on your smartphone, our mobile application puts everything right in your pocket. You can make mobile payments quickly and securely, ensuring that you're always ready for purchases whether it's at your favorite store or online. Additionally, our person-to-person transfer feature makes sending money to friends and family as simple as sending a text.

Security and Accessibility

Your security is our top priority. While we currently do not offer electronic signature authorization, rest assured that our online platforms are equipped with strong security measures to protect your personal information. You can bank confidently knowing that we take every step necessary to keep your data safe. Managing your finances has never been easier or more accessible than with First Community's digital banking options. We're here to support you every step of the way, making sure you have the tools you need for real-time account management all from the comfort of your own home or while you're out and about. Experience banking like never before!

Financial Strength

A Dedicated Team at Your Service

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 and Deposit Accounts stand at 185,519, showing 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 217 Towner Ave Larimore Nd 58251 or call (701) 343-6473 to learn more about how we can help you achieve your financial goals.

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.

Reinvesting in Our Community

Our commitment to serving our members extends to our undivided earnings. 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. This means more resources for you as you work toward your financial goals.

Solid Financial Foundation

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.

Supporting Your Financial Journey

With $6,018 in used auto loans and $989,505,874 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is highlighted by our $2,725,044, which enables us to continue offering competitive loan rates and solid financial products for our members.

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 interested in financing a new or used vehicle, our dedicated staff will guide you through the application process and help you get behind the wheel.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We offer various financing solutions tailored to meet the unique demands of your business. At First Community, we're committed to helping you make informed financial decisions. If you're interested in learning more about our loan offerings or checking eligibility options, please visit us online or call us directly at 701-343-6473. 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 assist you with any questions regarding our services or help you start your application today!

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 provide flexible terms and clear guidance to ensure that you understand each step of the mortgage process. If you're considering refinancing your current mortgage, we offer competitive rates and terms tailored to fit your needs.

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. Our credit card options come with rewards that can benefit your everyday spending while providing an easy way to handle unexpected expenses.

Loan Aggregator

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FIRST COMMUNITY CREDIT UNION - Larimore, ND

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