First Community Credit Union Valley City ND | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to First Community, your trusted financial partner in Valley City, ND! Located conveniently at 115 5Th Ave Ne, we have been serving our community since 1939. With a strong commitment to our members, we are proud to support over 46,700 individuals and families who have chosen us for their banking needs. As a member-owned credit union, we prioritize your financial well-being. Our total assets stand at an impressive $1,345,182,655, with total deposits of $22,879,509 and a net worth of $169,061,323. These figures reflect our dedication to providing you with secure and reliable banking services. Whether you're looking for personal banking options like checking accounts and auto loans or business solutions such as merchant services and business loans, we've got you covered. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, our team of 256 employees is here to assist you every step of the way. We understand that each member's financial journey is unique, which is why we offer tailored solutions designed to meet your specific needs. If you need assistance or have any questions, don't hesitate to reach out! You can call us at 701-845-4647, or visit our website at myfccu.com. While members can visit us at our branch address for all your banking needs, please direct any official correspondence to our mailing address: PO Box 36, Valley City, ND 58072. Join us today and experience the difference that comes with being part of the First Community family!

Branch History & Mission

At First Community, we take pride in our rich history and strong commitment to serving our community in Valley City, ND. Established in 1939, our branch has grown alongside the people we serve, evolving from a small cooperative into a trusted financial partner for over 46,000 members. With total assets reaching an impressive $1,345,182,655, we have remained dedicated to providing exceptional financial services while fostering a sense of belonging and support within our community. Located at 115 5th Ave NE, Valley City, ND 58072, our branch is conveniently situated near local landmarks that are familiar to residents. This prime location allows us to connect with our members easily and offer them personalized service. For official correspondence, you may reach us at PO Box 36, Valley City, ND 58072. Our mission at First Community is clear: we strive to provide accessible financial solutions that empower individuals and strengthen families. We believe in supporting not just our members' financial needs but also their dreams and aspirations. Our diverse range of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans with debt consolidation options, as well as business banking services such as merchant services and business loans. We also offer online and mobile banking features for added convenience. Over the years, we have embraced technology while ensuring ADA compliance and customer-centric initiatives to enhance member experience. Our drive-thru service is available for those who prefer quick transactions without leaving their vehicles. Additionally, we maintain ATM availability for easy cash access. Community involvement is at the heart of what we do. We partner with local organizations to support various outreach efforts that benefit residents of Valley City and surrounding areas. These partnerships allow us to give back to the community that has supported us for decades. As we look to the future, we invite you to join First Community. Experience firsthand the difference a member-focused credit union can make in your life. Together, let's build a stronger community where everyone can thrive financially. For more information about becoming a member or opening an account with us today, please visit our website or call us at 701-845-4647. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Operating Hours

We know your time is valuable! That's why we keep our doors open Monday through Friday from 9 AM to 4 PM, with extended drive-thru hours from 8 AM to 5:30 PM. On Saturdays, we're here for you too our drive-thru operates from 9 AM until noon. Our team is ready to assist you during these hours with all your banking needs.

Services Offered

At First Community, we offer a range of services tailored just for you. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals without leaving your car, while our ATM ensures you have access to cash whenever you need it. If you're ever unsure about what we can do for you or want to learn more about becoming a member, don't hesitate to reach out! You can give us a call at 701-845-4647 or visit our website at myfccu.com. We look forward to welcoming you into the First Community family!

Member Eligibility

At First Community, we believe that everyone deserves a place in our community, and becoming a member is as simple as reaching out! If you live, work, or worship in the area, you're likely eligible to join us at our welcoming branch located at 115 5Th Ave Ne Valley City Nd 58072. We pride ourselves on being inclusive and supportive, offering personalized banking solutions that cater to your needs. With membership comes a wealth of benefits, including access to competitive loan rates, savings accounts, and various financial services designed to help you thrive. To find out more about eligibility requirements, feel free to check out our detailed information at https://www.myfccu.com/about/become-a-member.html. If you're ready to take the next step or have any questions, don't hesitate to call us at (701) 845-4647. Join us today and experience the difference of being part of the First Community family!

Business Banking & Commercial Services

Lending Solutions Tailored for 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 That Work for You

Imagine being able to accept payments quickly and easily, no matter where your customers are. Our merchant services provide that convenience, allowing you to focus on what you do best running your business. From card processing solutions to online payment options, we help ensure that transactions are smooth and secure, enhancing customer satisfaction. Located at 115 5Th Ave Ne Valley City Nd 58072 in Valley City, ND, we invite you to visit us or call us at (701) 845-4647 to learn more about how our business banking services can help your enterprise thrive.

Comprehensive List Of Services

Accessibility for Everyone

At First Community, we prioritize ease of access for all members. With an ATM on-site and drive-thru service available during business hours (Monday through Friday from 9 AM to 4 PM), plus Saturday drive-thru hours until noon, managing your finances has never been easier. We invite you to explore how these services can fit into your life. For more information or assistance with any of our offerings, don't hesitate to reach out at (701) 845-4647 or visit us online at Branch - Valley City. Join us at First Community, where your financial well-being is our top priority!

Business Banking Services

If you're a business owner, we haven't forgotten about you. Our business banking services, including merchant services and business loans, are crafted to help your enterprise thrive. We know that every penny counts when running a business, so we strive to offer solutions that enhance your operations without breaking the bank.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that let you manage your accounts from anywhere whether it's checking balances, making transfers, or paying bills. Our ATM services ensure you have access to cash when needed, along with basic drive-thru banking for quick deposits and withdrawals.

Credit Cards and Rewards

Don't forget about our credit cards! With various options available, including rewards programs, our credit cards make it easy to earn benefits while making everyday purchases.

Personal Banking Solutions

Managing your finances shouldn't be a hassle. That's why we offer personal banking services that include checking and savings accounts designed to help you save while giving you easy access to your funds. If you're looking to purchase a new car or refinance an existing loan, our auto loans and vehicle financing options can get you on the road quickly with competitive rates. For those thinking about buying a home, we provide mortgage loans and refinancing solutions that are flexible and affordable. Plus, if you find yourself needing extra cash for personal projects or unexpected expenses, our personal loans and debt consolidation services can help simplify your financial obligations.

Digital & Online Banking

Convenience Features

In today's fast-paced world, convenience is key. That's why our mobile payments feature allows you to make purchases directly from your phone. Whether you're picking up groceries or dining out, simply use your mobile app to complete transactions securely. While electronic signature authorization isn't currently offered at First Community, our existing features ensure that you can handle most tasks without needing to visit a branch. We're here to support you with every aspect of your banking needs. If you're ready to experience hassle-free banking that fits into your lifestyle, explore more about our digital services at https://www.myfccu.com/ today!

Key Services

Our 24/7 online banking services allow you to check your balance, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using a computer or our user-friendly mobile application, managing your money has never been more straightforward. Plus, with features like person-to-person transfers, sending money to friends or family is quick and hassle-free. For those who prefer paperless transactions, we provide e-statements, ensuring you have access to your financial information without the clutter of paperwork. Our commitment to security means that all your data is protected, so you can bank with confidence.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 185,519, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,787,553 demonstrate our commitment to supporting your 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 115 5Th Ave Ne Valley City Nd 58072 or call (701) 845-4647 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.

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 for 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; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we support members' financial goals across various sectors.

Solid 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

At First Community, we understand that life is full of financial needs, whether you're looking to buy a car, purchase a home, or manage your expenses more effectively. That's why we offer a variety of loan products designed to help our members reach their goals. With over 23333 loans issued, we've helped thousands of members achieve their financial aspirations. If you're considering a new vehicle, our auto loans come with some of the lowest rates in the industry. We've already provided $86,800,863 in used vehicle loans and $26,586,816 in new vehicle loans to help our members hit the road confidently. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $27,613,191. We make buying or refinancing simple and accessible for our members. For business owners, we have outstanding commercial loans totaling $615,205,115 that provide essential capital for growth and expansion. If you need flexible financing options for personal expenses or emergencies, consider our unsecured credit card loans. We currently offer $17,391,230 in these loans to assist members in managing their finances effectively. Additionally, if you're interested in refinancing your current loans or exploring eligibility options for any of our products, we encourage you to reach out to us. Our team is here to guide you through the process and ensure you find the best solution tailored to your needs. You can visit us at 115 5Th Ave Ne Valley City ND 58072, or give us a call at 701-845-4647 for more information on how we can help you secure the financing you need. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future starts with First Community let's build it together!

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Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent. By using verified data from legitimate financial institutions, LendMesh prioritizes accuracy in every comparison.

Benefits of Using LendMesh

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FIRST COMMUNITY CREDIT UNION - Valley City, ND

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