First Community Credit Union Napoleon ND | Top Auto Loans & Personal Banking

Introduction

Welcome to First Community, your trusted financial partner in Napoleon, ND! Located at 97 Broadway, we have proudly served our community since 1939. With a strong commitment to our members, we provide a range of services designed to help you achieve your financial goals. At First Community, we understand that every member is unique, and that's why we focus on personalized banking experiences. Our dedicated team is here to support you with everything from checking and savings accounts to auto loans and mortgage refinancing. We currently boast over 46,700 members and manage total assets of $1,345,182,655, ensuring that your deposits are secure and that we can lend when you need it. Our leadership team, headed by CEO Stephen Schmitz and Board President Owen Olson, is committed to maintaining the highest standards of service. We're not just about numbers; we're about building relationships within the community. In fact, our total deposits stand at $22,879,509, reflecting the trust our members place in us. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 30, Napoleon, ND 58561-0030. If you ever have questions or need assistance, don't hesitate to call us at 701-754-2475 during our operating hours from Monday to Friday, 8:30 AM to 4:00 PM. Join us at First Community where your financial well-being is our priority! Visit our website at myfccu.com for more information on how we can serve you better today.

Branch History & Mission

At First Community, we take pride in our rich legacy that has been serving the Napoleon community since 1939. From our humble beginnings, we have grown into a trusted financial partner for many residents, with a commitment to providing exceptional service and support. Located at 97 Broadway, Napoleon, ND 58561, our branch is easily accessible to all members of the community. Over the years, First Community has seen significant milestones, including achieving over 46,000 total memberships and managing assets exceeding $1.3 billion. Our dedication to our members' financial well-being is evident in the wide range of services we offer, from personal banking and auto loans to mortgage financing and business banking solutions. We also recognize the importance of evolving with the times; that's why we provide online and mobile banking options, ensuring that our members can access their accounts anytime, anywhere. Our mission is straightforward: to empower our members through accessible financial services while actively contributing to the local community. We believe that by supporting one another and fostering financial literacy, we can help individuals achieve their dreams whether it's buying a first home or starting a new business. While members can visit us at our branch location on Broadway, official correspondence should be sent to PO Box 30, Napoleon, ND 58561-0030. We invite you to reach out to us at 701-754-2475 during our operating hours Monday through Friday from 8:30 AM to 4:00 PM to learn more about how First Community can help you thrive financially. We are also proud of our commitment to accessibility with an ATM available for convenient cash withdrawals. Although we do not currently offer drive-thru banking or shared service center options at this location, we strive to provide a welcoming environment that meets your needs. Join us today and experience the difference First Community can make in your life! Whether you are looking for a loan or simply want guidance on your financial journey, we are here for you every step of the way. Together, let's build a stronger future for our community!

Branch Location & Accessibility

Accessibility and Features

At First Community, we understand that accessibility is key. Our branch offers ample parking and features such as ADA-compliant entrances and ramps to ensure everyone can easily access our services. Whether you're stopping by for a quick transaction or to discuss your financial goals, we aim to make your experience as smooth as possible.

Call to Action

If you have questions or want more information about how we can assist you, don't hesitate to call us at 701-754-2475. We invite you to visit us soon at First Community! Your financial journey starts here!

Operating Hours

Our lobby hours are set up to accommodate your busy schedule. We're open Monday through Friday from 8:30 AM to 4:00 PM. This gives you plenty of time during the week to pop in and get assistance with anything from checking accounts to loans.

Services Offered

We offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and even business banking solutions there's something for everyone here. Plus, with ATM availability on-site, accessing cash is easy whenever you need it.

Member Eligibility

At First Community, we believe that becoming a member is like joining a warm, supportive community where everyone looks out for each other. If you're wondering about eligibility, it's quite straightforward! You can become a member if you live, work, worship, or attend school in our local community or if you have a family member who is already part of our credit union. This means that many people in the area can easily join us. By becoming a member at First Community, you'll gain access to a variety of financial services designed to help you thrive, from checking and savings accounts to auto loans and mortgages. Opening an account is as simple as reaching out to us! You can call us at (701) 754-2475 or visit our branch located at 97 Broadway Napoleon Nd 58561 during our operating hours from Monday to Friday, 8:30 AM to 4:00 PM. For more detailed information on eligibility and to see if you qualify, feel free to check out our website at https://www.myfccu.com/about/become-a-member.html. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced world, efficient payment processing is crucial for any business. Our merchant services are designed to help you manage transactions effortlessly, allowing you to focus on what you do best running your business. Imagine being able to accept payments seamlessly, enhancing customer satisfaction while ensuring a steady cash flow. Located conveniently at 97 Broadway Napoleon Nd 58561, Napoleon, ND, we're here to partner with you every step of the way. For more information, give us a call at (701) 754-2475 or visit us online at https://www.myfccu.com/. Let's work together to achieve your business goals!

Tailored Business 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options are designed to get you behind the wheel without the stress of complicated terms. We offer competitive rates and flexible repayment plans so that you can find a loan that fits your budget.

Business Banking Solutions

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. If you're an entrepreneur looking to grow your business, our experienced staff will work with you to create a financial plan tailored specifically for your enterprise.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why at First Community, we emphasize our digital banking features. With online banking, mobile payments, person-to-person transfers, and ATM access right at your fingertips, managing your finances has never been easier. You can complete transactions and check balances anytime no need to visit the branch during operating hours.

Credit Cards with Rewards

Who doesn't love earning rewards while spending? Our Credit Cards with Rewards program allows you to earn points on everyday purchases, which can be redeemed for exciting rewards. This means that every dollar spent brings you closer to something special.

Get Started Today!

Ready to take control of your financial journey? Visit us at 97 Broadway Napoleon Nd 58561 or give us a call at (701) 754-2475 for more information about how we can assist you with all of our offerings including personal banking, loans, credit cards, and business solutions. At First Community, we're here for you every step of the way!

Mortgage Loans & Refinancing

If you're ready to buy a home or refinance your existing mortgage, look no further! Our Mortgage Loans & Refinancing services provide personalized guidance throughout the entire process. We work with you to understand your financial goals and find the best mortgage solution for your needs.

Personal Banking Solutions

We understand that everyone has different banking needs. That's why we offer Personal Banking services that include checking and savings accounts to help you manage your day-to-day finances. Our accounts come with features that make banking simple and efficient. Imagine being able to easily check your balance or transfer funds from the comfort of your home using our robust online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation options. Whether you need funds for home repairs or want to consolidate multiple debts into one easy payment, our team is here to help you navigate these choices confidently.

Digital & Online Banking

Convenient Online Banking

Our online banking platform is available 24/7 at https://www.myfccu.com/. This means you can check your account balances, transfer funds, and pay bills whenever it suits you no need to rush to the branch during business hours. You'll have real-time access to your accounts right at your fingertips.

Easy Access Anytime

With our digital services, managing your finances is straightforward and efficient. Whether you're at home or out and about, accessing your accounts is just a click or tap away. Our commitment to providing an easy banking experience means you can focus on what really matters your life. Join us at First Community today and discover how our digital and online banking services can simplify your financial journey!

Mobile Banking Made Easy

For those on the go, our mobile application offers everything you need in the palm of your hand. Whether you're making mobile payments or sending money to friends and family with our person-to-person transfer feature, banking has never been more accessible. Plus, with the ability to view e-statements directly through the app, you'll always stay informed about your financial activity.

Security You Can Trust

Your security is our top priority. At First Community, we use advanced technology to keep your information safe while you enjoy all the conveniences of digital banking. While we do not currently offer electronic signature authorization, rest assured that all transactions are protected with robust security measures.

Financial Strength

Commitment to 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. We understand the importance of helping you reach your financial goals; that's why we have $6,018 in used auto loans and $989,505,874 in total loans and leases available to support your needs across various sectors.

Efficient Operations

Our operational efficiency shines through with a net income of $2,725,044 that enables 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. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment.

Member-Focused Savings

Your savings are secure with us! Members' savings are supported 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.

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.

Strong Member Engagement

The trust placed in us by our members is evident in the numbers: Total Share and Deposit Accounts stand at 185,519, reflecting a strong and growing member base who trusts us with their finances. Our Net Shares (Funds available for lending and investments) total $1,787,553, further showcasing our capability to support member initiatives. 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 97 Broadway Napoleon Nd 58561 or call (701) 754-2475 to learn more about how we can help you achieve your financial goals.

Loan Offering

At First Community, we understand that everyone has unique financial needs. That's why we offer a variety of loan products designed to help you achieve your goals, whether it's buying a new car, purchasing a home, or managing your finances effectively. Located at 97 Broadway in Napoleon, ND, our branch is here to assist you with personalized service and competitive rates. With over 23,333 loans issued, we've helped thousands of members achieve their financial goals. If you're looking for auto financing, our auto loans provide some of the lowest rates in the industry. We currently have $86,800,863 in used vehicle loans and $26,586,816 in new vehicle loans already helping members get on the road. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $27,613,191, making buying or refinancing simple. We also support business owners with outstanding commercial loans totaling $615,205,115, providing the capital needed to grow and expand. For those looking to manage their everyday expenses better, we offer flexible terms on unsecured credit card loans. With a total of $17,391,230 in unsecured credit card loans available, our members can manage their finances effectively without added stress. If you're interested in refinancing options or want to check your eligibility for any of our loan products, please reach out to us at (701) 754-2475 during our operating hours from Monday to Friday, 8:30 AM to 4:00 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. At First Community, we are committed to helping you find the right loan solution tailored just for you!

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FIRST COMMUNITY CREDIT UNION - Napoleon, ND

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