First Community Credit Union Oakes ND | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to First Community, your trusted partner in financial well-being, located at 103 N 7Th St, Oakes, ND 58474. Since our establishment in 1939, we've proudly served our community with a commitment to trust, transparency, and personalized service. With a total membership of 46,708 and assets exceeding $1.3 billion, we are dedicated to providing the best financial solutions tailored just for you. At First Community, we understand that every member's financial journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions. Our team of 256 employees, led by CEO Stephen Schmitz and Board President Owen Olson, is always ready to assist you in achieving your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 131, Oakes, ND 58474-0131. With total deposits amounting to $22,879,509 and a net worth of $169,061,323, we ensure your money is not only safe but also grows over time. We believe in building lasting relationships with our members and are proud of our strong community impact. Our dedication extends beyond banking; we actively support local initiatives that uplift our neighborhoods and enhance the quality of life for all residents. Whether you're looking for competitive loan options or simply need assistance with everyday banking tasks, we're here for you. Feel free to reach out to us at 701-742-2376 or explore more about our offerings on our website: myfccu.com. Join us today and discover how First Community can help you thrive financially!

Branch History & Mission

At First Community, we are proud of our rich legacy that began in 1939. Established in Oakes, ND, our branch has grown from a small local credit union into a trusted financial institution serving over 46,000 members. Our journey is marked by dedication to our community and a commitment to providing exceptional financial services. Located at 103 N 7th St, Oakes, ND 58474, our branch stands as a beacon of support for individuals and families. While members can visit us at this location for all their banking needs, official correspondence should be sent to PO Box 131, Oakes, ND 58474-0131. The welcoming environment here reflects our mission to create strong relationships with every member we serve. Our mission is simple yet profound: to empower our members through accessible financial services while actively supporting the communities we live in. We strive not only to help individuals achieve their financial goals whether it's securing an auto loan or opening a savings account but also to contribute positively to local initiatives and outreach programs. Over the years, First Community has achieved remarkable milestones. With total assets now exceeding $1.34 billion, we've continually adapted to meet the evolving needs of our membership. Our focus on innovation includes offering modern conveniences such as online and mobile banking services, ensuring that banking is as easy and efficient as possible for everyone. We believe that true success goes beyond numbers; it lies in the impact we make on people's lives. By prioritizing customer service and community engagement, we have established partnerships with various local organizations, fostering growth and support within Oakes and its surrounding areas. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 4 PM, and Saturdays from 8:30 AM to noon for drive-thru services. Members can also take advantage of our ATM availability for quick cash access. As we look toward the future, we invite you to join the First Community family. Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being and community growth. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

If you have any questions or want to learn more about how we can assist you, don't hesitate to give us a call at 701-742-2376. Our friendly team is ready to help! We invite you to stop by and experience how First Community makes banking easy and accessible for everyone in the area.

Operating Hours and Services

We're here for you Monday through Friday from 9 AM to 4 PM, with extended drive-thru hours from 8:30 AM to 4:30 PM. On Saturdays, our drive-thru is open from 8:30 AM until noon. This flexibility allows you to manage your banking around your schedule. First Community offers a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. Need cash quickly? We have an ATM on-site for your convenience. While members can visit us at 103 N 7th St, official correspondence should be sent to PO Box 131, Oakes, ND 58474-0131 if that's more suitable for you.

Parking and Accessibility Features

At First Community, we prioritize your convenience. Our parking lot offers ample space for members, and we are proud to be fully ADA compliant. Accessible ramps ensure everyone can enter our branch with ease. If you prefer the drive-thru option, we have that available too, making quick transactions simple and hassle-free.

Member Eligibility

Welcome to the community at First Community! Becoming a member is more than just opening an account; it's about joining a supportive network that prioritizes your financial well-being. If you live, work, or worship in the Oakes area, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life, making it easy for everyone to become part of our family. To find out if you meet the specific criteria, you can check out our eligibility details at https://www.myfccu.com/about/become-a-member.html. The process to open an account is straightforward and designed with you in mind. You can get started by visiting us at https://www.myfccu.com/loans or simply give us a call at (701) 742-2376. Our friendly team is always ready to assist you on your journey to better banking right here at 103 N 7Th St Oakes Nd 58474!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a payment processing solution that not only accepts payments but also enhances customer experience. Our merchant services empower you to focus on what you do best running your business. With features like mobile payments and online invoicing, managing transactions becomes seamless, allowing you to serve your customers better. Located at 103 N 7Th St Oakes Nd 58474, Oakes, ND, we are here to help you unlock the full potential of your business. Contact us today at (701) 742-2376 to explore how our services can propel your success!

Tailored Loan Options

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

Always Here for You

Our dedicated team is available Monday through Friday from 9 AM to 4 PM and Saturday from 8:30 AM to 12 PM for any questions or assistance you may need at our Oakes branch. Feel free to call us at 701-742-2376 if you want to learn more about any of these services.

Business Banking Solutions

At First Community, we also recognize the unique challenges faced by local businesses. Our Business Banking services include essential tools like merchant services and business loans to help you grow and thrive in today's competitive market.

Convenient Access

We know how important it is for our members to have easy access to their funds. That's why we offer comprehensive ATM & Cash Withdrawal Services along with basic drive-thru banking for deposits and withdrawals. Need quick access? Our ATMs allow balance checks and cash withdrawals with ease.

Financing Your Dreams

If you're dreaming of a new car or need funds for unexpected expenses, our Auto Loans & Vehicle Financing make it easier than ever. We provide competitive rates and flexible terms that cater to your financial situation. Additionally, our Mortgage Loans & Refinancing options can help you secure the home of your dreams or lower your current mortgage payments giving you peace of mind in this crucial investment.

Join Us Today!

Ready to experience personalized banking? Visit us at myfccu.com or stop by our branch in Oakes today! We look forward to welcoming you as a member of the First Community family, where we put people before profits!

Personal Banking Made Simple

We understand that managing your personal finances can be challenging. That's why we offer Personal Banking options like checking and savings accounts tailored to fit your lifestyle. Imagine easily tracking your spending and saving goals through our user-friendly Online & Mobile Banking. You can access your accounts anytime and anywhere, making banking convenient for everyone.

Support for Your Financial Goals

For those looking for additional support, our Personal Loans & Debt Consolidation services are designed to help you manage existing debts effectively. Plus, with our Credit Cards with Rewards, you can earn points on purchases while enjoying added benefits.

Digital & Online Banking

Accessibility and Ease-of-Use

Managing your money shouldn't be complicated. That's why we've designed our digital services to be user-friendly. From simple navigation in our mobile app to straightforward access via our online banking portal, you'll find it easy to stay on top of your finances. At First Community, we're committed to providing you with accessible tools that help you manage your money effectively. Explore more about our digital offerings by visiting our website, and experience how convenient banking can truly be!

Key Features

One of the standout features at First Community is our mobile application. It puts the power of banking right in your pocket. You can easily manage your accounts, make person-to-person transfers, and utilize mobile payments to make transactions on the go. Plus, with e-statements available, you can stay organized and reduce paper clutter while keeping an eye on your account activity. Security is also a key focus for us. While we currently do not offer electronic signature authorization, our systems are built with robust security measures to protect your personal and financial data. Your peace of mind matters to us.

Financial Strength

Growing Member Base

Total Share Accounts stand at 185,519, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,787,553. 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 103 N 7Th St Oakes Nd 58474 or call (701) 742-2376 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Services

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 further supported by $6,018 in used auto loans and $989,505,874 in total loans and leases, helping members achieve their financial goals across various sectors.

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. Whether you're considering a new model or a reliable used option, our team is ready to assist you through the loan process.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the challenges of running a business and are dedicated to offering solutions that fit your unique needs.

Credit Cards and Personal Financing

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. Whether you need funds for unexpected expenses or want to consolidate debt, our personal loans can provide the support you need.

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 purchasing a home is a significant milestone, and we're here to guide you every step of the way.

Refinancing Options

If you're considering refinancing any of your current loans or exploring eligibility options for new ones, our team is here to help you navigate through various choices. We aim to ensure that our members find the best possible solutions tailored specifically for them. Our branch is conveniently located at 103 N 7Th St Oakes Nd 58474, and we invite you to reach out with any questions at 701-742-2376. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. When you're ready to take the next step toward achieving your financial goals with First Community's loan offerings, don't hesitate to contact us or visit our website for more information on how we can assist you!

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FIRST COMMUNITY CREDIT UNION - Oakes, ND

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