First Community Credit Union St John ND | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Community in St. John, ND, where we believe in building strong relationships with our members and empowering them to achieve their financial goals. Established in 1939, our credit union has grown to serve a thriving community of over 46,000 members. With total assets reaching an impressive $1,345,182,655, we are committed to providing personalized financial services that cater to your unique needs. At our branch located at 230 Foussard Ave SW, you'll find a dedicated team ready to assist you with everything from checking and savings accounts to auto loans and mortgages. Our financial strength is further reflected in our substantial net worth of $169,061,323 and total deposits amounting to $22,879,509. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, we prioritize member satisfaction and community engagement. Our skilled staff of 256 employees is here to ensure that your banking experience is smooth and rewarding. While members can visit us at our St. John branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 197, St John, ND 58369. We invite you to explore our comprehensive range of services through our website at myfccu.com. Whether you're looking for a new loan or simply want to open an account, we're here to help! Feel free to call us at 701-477-5655 or visit us during lobby hours from 9 AM to 4 PM, Monday through Friday. Come discover the First Community difference today!

Branch History & Mission

At First Community, we take pride in our rich history and strong commitment to serving the community of St John, ND. Established in 1939, our branch has grown from a small cooperative into a trusted financial institution with over 46,000 members and total assets of $1,345,182,655. Located at 230 Foussard Ave SW, we are here not just to provide financial services but to be an integral part of the lives of our members. Our mission is simple yet profound: to offer personal banking solutions that empower individuals and families while also fostering a sense of community. We believe that when our members succeed, so does our community. Our services range from checking and savings accounts to auto loans, mortgage financing, and business banking all designed with you in mind. Over the years, we have embraced advancements in technology to better serve you. With features like online banking and mobile payments, managing your finances has never been easier. Our commitment extends beyond just banking; we aim to be accessible for all by ensuring ADA compliance across our services. While members can visit us at 230 Foussard Ave SW, official correspondence should be sent to PO Box 197, St John, ND 58369. Our branch operates Monday through Friday from 9 AM to 4 PM in the lobby and until 5 PM for drive-thru services, making it convenient for you to reach us. Community outreach is a cornerstone of our philosophy. We actively engage with local organizations and initiatives that uplift those around us. Whether it's sponsoring events or supporting local charities, First Community strives to make a positive impact on the lives of residents in St John and beyond. As we look to the future, we invite you to join our family at First Community. Experience firsthand the benefits of membership where your success is our priority. Connect with us today at 701-477-5655 or visit us online at myfccu.com to learn more about how we can support your financial journey!

Branch Location & Accessibility

Accessibility and Features

At First Community, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and spacious parking options to ensure everyone can visit us comfortably. While our main address is where you can find us, if you need to send any official correspondence, please use our mailing address: PO Box 197, St John, ND 58369.

Operating Hours

We know that your time is valuable. That's why we're here for you Monday through Friday. Our lobby hours run from 9 AM to 4 PM, and for those who prefer drive-thru banking (although currently unavailable), we're open until 5 PM for quick transactions. Feel free to call us at 701-477-5655 if you have any questions or need assistance.

Services Available

At First Community, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM services are available right here at the branch for your convenience.

Visit Us Today!

We invite you to come visit us at First Community! Stop by to learn more about how we can support your financial journey. We look forward to welcoming you into our community!

Member Eligibility

At First Community, we believe that everyone deserves a place to call home for their financial needs, and becoming a member is your first step into our welcoming community. To join us at First Community, you just need to meet a few simple eligibility criteria. If you live, work, worship, or attend school in the area, you're likely eligible! We're here to support you with services that fit your lifestyle, from personal banking to loans and everything in between. For more details about the specific requirements and to ensure you qualify, feel free to check out our eligibility page at https://www.myfccu.com/about/become-a-member.html . Opening an account with us is straightforward and can be done online or in person at our branch located at 230 Foussard Ave Sw St John Nd 58369. If you have any questions or need assistance, don't hesitate to give us a call at (701) 477-5655. We can't wait 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 $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

Imagine streamlining your payment process so you can focus on what truly matters growing your business. Our merchant services provide easy payment solutions that allow you to accept payments seamlessly, whether in-person or online. This not only enhances customer satisfaction but also improves cash flow, making it easier for you to manage day-to-day operations. At First Community, we believe that every business deserves the chance to thrive. Let us be your partner in success! For more information or to get started, visit us at 230 Foussard Ave Sw St John Nd 58369 or call us at (701) 477-5655.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking services, including merchant services and business loans. These tools are designed to help your business thrive in today's competitive landscape. Our knowledgeable staff is ready to assist you in finding the best options for your company's needs.

Convenient Access and Support

Convenience is key at First Community. Our Online & Mobile Banking features ensure that you have access to your accounts wherever you go. Need cash? Our ATM services allow for quick withdrawals and balance checks without any hassle. With lobby hours from 9 AM to 4 PM Monday through Friday and drive-thru service available until 5 PM on weekdays, we're here when you need us most. Plus, if you ever have questions or need assistance, don't hesitate to reach out at 701-477-5655. In summary, First Community in St John offers a comprehensive suite of financial services designed for both personal and business needs. We invite you to visit us or explore more about how we can help by visiting our website at myfccu.com. Join us today and take control of your financial future!

Credit Cards and Personal Loans

Managing debt can be challenging, but our Personal Loans & Debt Consolidation options are here to lighten the load. Whether you're looking to consolidate existing debt or fund a personal project, we provide tailored solutions that suit your financial goals. Additionally, our Credit Cards with Rewards program allows you to earn points for every purchase you make. It's a smart way to spend while also gaining rewards for future use.

Personal Banking Solutions

We understand that managing your money can sometimes feel overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed for all lifestyles. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can check your balance, pay bills, or transfer money from anywhere at any time. For those considering a new vehicle, our Auto Loans & Vehicle Financing options make it simple to get behind the wheel of your dream car. With competitive rates and flexible terms, financing your next vehicle has never been easier. If homeownership is on your mind, our Mortgage Loans & Refinancing services can guide you through the process smoothly. We take pride in offering personalized assistance to help you find the right mortgage that fits your budget.

Digital & Online Banking

Mobile Banking Features

For those on the go, our mobile application puts banking right in your pocket. You can make mobile payments and even send money to friends or family through our person-to-person transfer feature no need for cash or checks anymore! With just a few taps, you can handle transactions quickly and securely.

Online Banking Services

Our 24/7 online banking service lets you take control of your accounts with just a few clicks. Whether you're checking balances, paying bills, or reviewing transactions, everything you need is right at your fingertips. If you prefer paperless options, we also provide e-statements for easy access to your financial records without the clutter.

Security and Ease of Use

Your security is crucial to us. While we currently do not offer electronic signature authorization, rest assured that our systems are designed with safety in mind. All features are user-friendly, so you don't have to be a tech expert to navigate them successfully. In today's fast-paced world, having reliable digital banking tools is essential. At First Community, we strive to provide accessible and efficient services that meet your needs. Experience the ease of banking from home or on the move with our digital offerings!

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. Additionally, our lending capacity supports your financial goals across various sectors with $6,018 in used auto loans and $989,505,874 in total loans and leases. Our operational efficiency is reflected in our $6,005,367, which allows us to continue offering competitive loan rates and solid financial products tailored for you. We also take pride in having 247 full-time employees and 9 part-time employees ready to assist you with a knowledgeable team.

Growing Member Base

We proudly serve a strong community with a total of 185,519 share accounts, showcasing a growing member base that trusts us with their finances. Our net shares available for lending stand at $1,787,553, further demonstrating our capacity to support your financial 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 230 Foussard Ave Sw St John Nd 58369 or call (701) 477-5655 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

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 $1,257 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 financing for both new and used vehicles, ensuring you find a plan that fits your budget and needs.

Business Loans

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your current operations, we have financing solutions that cater to your business needs.

Mortgage Loans

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 offer competitive rates and flexible terms to help you secure your dream home.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new products, our team is here to help guide you through the process. It's an opportunity to lower your monthly payments or access cash for other purposes. 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're committed to providing personalized support throughout your borrowing experience. Feel free to visit us during our lobby hours from 9 AM - 4 PM Monday through Friday or take advantage of our drive-thru service available until 5 PM on weekdays. Let's work together towards achieving your financial goals!

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 cards are designed to give you the purchasing power you need while allowing for easy payments.

Loan Aggregator

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Real-Time Rate Comparisons

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FIRST COMMUNITY CREDIT UNION - St John, ND