First Community Credit Union Steele ND | Low Mortgage Rates & ATM Services

Introduction

Welcome to First Community, your trusted partner in banking right here in Steele, ND! Located at 202 Mitchell Ave N, our branch has been serving the community since 1939. With a strong commitment to our members, we proudly support over 46,708 members and have grown our total assets to an impressive $1,345,182,655. At First Community, we understand that financial needs vary from person to person. That's why we offer a range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Our dedicated team is here to help you navigate your financial journey with confidence. While you can visit us directly at our branch address for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO Box 199, Steele, ND 58482-0199. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, our team of 256 employees works tirelessly to ensure you receive top-notch service. We believe in building lasting relationships with our members, helping them achieve their financial goals while maintaining a net worth of $169,061,323 and a solid cash reserve of $16,233,533. We invite you to discover how First Community can make a difference in your life. Whether you're looking for a loan or seeking advice on savings options, feel free to reach out by calling us at 701-475-2716 or visiting our website at myfccu.com. We're excited to assist you on your financial journey!

Branch History & Mission

Commitment to Community

Our commitment extends beyond just financial transactions; it encompasses community outreach as well. We actively seek partnerships that foster development within Steele and surrounding areas. From supporting local events to providing educational resources about financial literacy, First Community believes in investing in the future of our community. We also embrace digital advancements with online banking options that make managing your finances easier than ever. With features like mobile payments and person-to-person transfers, we ensure that technology enhances your experience without compromising security or accessibility. In conclusion, we invite you to join First Community be part of a credit union where you are not just another account number but a valued member of our family. Experience firsthand how we combine quality financial services with a genuine commitment to helping you thrive financially. Together, let's build a stronger community! For more information or to become a member today, visit us at myfccu.com.

Our Mission

Our mission is straightforward: We exist to help our members achieve their financial goals while fostering a sense of community. Whether it's through personal banking options like checking and savings accounts or offering loans for vehicles and homes, we strive to meet every need with care and respect. In addition to traditional banking services, we are proud to offer business banking solutions that empower local entrepreneurs. While members can visit us at 202 Mitchell Ave N, official correspondence should be sent to PO Box 199, Steele, ND 58482-0199. We maintain flexible operating hours from Monday to Friday between 9 AM and 4 PM, with drive-thru service available during those same hours for added convenience.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services with ease. Plus, we have ample parking available right outside, so you can park and get in quickly.

Conveniently Located

Nestled in the heart of Steele, our branch is close to local landmarks, making it easy to incorporate a visit into your day. If you're nearby, feel free to swing by our friendly staff is eager to assist you with any financial needs.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 701-475-2716. We invite you to come by and discover how First Community can support your financial journey. Your community bank is here for you!

Operating Hours & Services

Our lobby hours are Monday through Friday from 9 AM to 4 PM, with drive-thru service available during the same hours. We offer a variety of services including personal checking and savings accounts, auto loans, mortgages, and more all aimed at helping you meet your financial goals. While members can visit us at 202 Mitchell Ave N, official correspondence should be sent to PO Box 199, Steele, ND 58482-0199 if that's more convenient for you.

Member Eligibility

At First Community, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that looks out for each other. Becoming a member is easy and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. We also invite those who have family members already with us to come aboard. This means you can enjoy all the benefits of being part of our credit union, including competitive rates on loans and personalized service tailored to your needs. To get started on your membership journey at First Community, simply visit us at 202 Mitchell Ave N Steele Nd 58482 or give us a call at (701) 475-2716. For more detailed information about eligibility criteria, check out our resource page here: https://www.myfccu.com/about/become-a-member.html . Once you're ready to open an account, you can find everything you need at this link: https://www.myfccu.com/loans . We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine being able to process payments efficiently while focusing on what you do best running your business. Our merchant services help you accept payments seamlessly, making transactions easier for both you and your customers. Whether you're a small local shop or a growing enterprise, our solutions are designed to meet your unique needs. Ready to take your business to the next level? Visit us at 202 Mitchell Ave N Steele Nd 58482, Steele, ND, or give us a call at (701) 475-2716. Together, let's build a brighter future for your business!

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

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options can help turn your dream into reality. With competitive rates and flexible terms, financing your next car can be stress-free. Picture yourself driving off in that new vehicle, knowing you made a smart financial choice with support from our expert team.

Business Banking

For our business members, we offer comprehensive Business Banking services including merchant services and business loans. We understand how important it is to manage cash flow effectively while fueling growth. Picture having a reliable partner like us by your side as you navigate the ups and downs of running a business.

Convenient Access

At First Community, convenience is key. We provide basic drive-thru banking services for quick deposits and withdrawals without leaving your car. Plus, our ATM and cash withdrawal services make accessing your funds easy even when you're on the go! We invite you to explore all these offerings at Branch - Steele! If you have any questions or would like assistance with opening an account, feel free to call us at (701) 475-2716. Let us help you on your financial journey today!

Credit Cards with Rewards

Earn rewards while spending! Our Credit Cards with Rewards offer great benefits for everyday purchases. Whether it's cashback on groceries or points towards travel, you'll find that using our credit card is a win-win situation.

Mortgage Loans & Refinancing

Whether you're buying your first home or looking to refinance, our Mortgage Loans offer personalized solutions. We guide you through each step of the process, ensuring you understand everything along the way. Imagine moving into your dream home while enjoying low monthly payments that fit within your budget.

Personal Banking

Managing your money should be easy and convenient. Our Personal Banking services include checking and savings accounts designed to fit your lifestyle. Whether you're setting up an account for daily expenses or saving for that special purchase, we have options that work for you. Imagine having the ability to monitor your accounts on-the-go through our Online & Mobile Banking platforms, making it simple to check balances and transfer funds anytime, anywhere.

Personal Loans & Debt Consolidation

Need extra cash for an unexpected expense? Our Personal Loans provide the financial support you need without hassle. Additionally, if you're feeling overwhelmed by debt, our debt consolidation options can simplify your payments into one manageable monthly bill helping you breathe easier.

Digital & Online Banking

Key Features

With our user-friendly mobile application, keeping track of your finances has never been easier. You can view your account balances, transfer funds, and pay bills all from the palm of your hand. Plus, our mobile payments feature makes it simple to make purchases quickly and securely. You also have the convenience of person-to-person transfers, enabling you to send money to friends or family with just a few taps. And for those who prefer going paperless, we offer e-statements for easy access to your financial information without cluttering your mailbox.

Security and Accessibility

Your security is our top priority. We ensure that all transactions are protected with advanced encryption technology so that you can bank with peace of mind. Even though we do not currently support electronic signature authorization, our other features provide a straightforward way to manage your finances securely. Join us at First Community to experience how digital banking can simplify your life. With real-time account management and round-the-clock access, you'll have everything you need right at your fingertips!

Financial Strength

Focused on 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. Our lending capacity is robust as well; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we support our members' financial goals across various sectors.

Operational Efficiency

Our $6,005,367 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. With net shares available for lending and investments totaling $1,787,553, along with 185,519 total share accounts, it's clear that more members trust us with their finances every day.

Secured Savings Opportunities

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 $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.

Your Trusted Partner

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 202 Mitchell Ave N Steele Nd 58482 or call (701) 475-2716 to learn more about how we can help you achieve your financial goals.

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 interest rates to make your car buying experience smooth and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to offering solutions that support your success. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to ask us how we can assist you further. At First Community, we're dedicated to helping you achieve your financial dreams with clear terms and supportive guidance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at myfccu.com for more information or stop by our branch today!

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. This option provides convenience and ease for everyday purchases while allowing you to build your credit score.

Credit Lines

If you need additional financing options, our total credit lines amount to $357,890,338, giving you access to extra funds when necessary. This flexibility can be crucial for both planned expenses and unexpected costs.

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're here to guide you through each step of the process so you can find a solution that fits your budget and lifestyle.

Loan Aggregator

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FIRST COMMUNITY CREDIT UNION - Steele, ND