First Community Credit Union Wahpeton ND | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to First Community, your trusted financial partner located at 1601 Wheatland Rd, Wahpeton, ND 58075. Established in 1939, we have proudly served our community for decades, providing personalized banking solutions tailored to meet the diverse needs of our 46,708 members. As a member-focused credit union, our commitment to supporting you goes beyond just banking; it's about building lasting relationships. At First Community, we take pride in managing over $1.34 billion in total assets, ensuring that your finances are in capable hands. With total deposits of $22,879,509, and a net worth of $169,061,323, we maintain a strong financial foundation to serve you better. Our dedicated team of 256 employees is here to assist you with everything from personal banking and auto loans to mortgage financing and business services. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to PO Box 35, Wahpeton, ND 58075-0035 if different from our physical address. Our comprehensive suite of services includes online and mobile banking options for your convenience. Under the leadership of CEO Stephen Schmitz and Board President Owen Olson, we continue to strive for excellence in every aspect of our operations. We understand the importance of transparency and trust in finance, which is why we're committed to keeping you informed about how we manage your money. If you're looking for a reliable credit union that values its members and aims to make a positive impact on the community, look no further than First Community. We invite you to explore our services or contact us at 701-642-2020 for any inquiries or assistance. Join us today at First Community where your financial well-being is our priority!

Branch History & Mission

Commitment to Accessibility

First Community is committed to making banking accessible for everyone. We offer digital advancements like online banking and mobile payments that allow you to manage your finances anytime, anywhere. Our branch is ADA compliant and features both ATM availability and drive-thru banking services for your convenience. With operating hours from Monday to Friday 9:00 AM - 4:30 PM (drive-thru open until 5:30 PM) and Saturday drive-thru hours from 9:00 AM - 12:00 PM, we're here when you need us.

Evolution and Milestones

Over the years, First Community has seen significant growth and transformation. From the day we opened our doors, our mission has always centered on empowering individuals and families through accessible financial services. Today, we proudly manage total assets of over $1.34 billion, reflecting our commitment to stability and security for our members. Our journey has been marked by key milestones such as expanding our range of services to include personal banking, auto loans, mortgages, and business banking solutions. We continuously strive to adapt to the changing needs of our community while ensuring that every member feels valued and supported.

Join Us Today!

If you're looking for a credit union that truly cares about its members and the community it serves, look no further than First Community. Experience firsthand the benefits of being part of an organization that prioritizes your financial success while giving back to those around us. Join us today by visiting our website or calling us at 701-642-2020. Your journey toward better financial health starts here!

Our Mission

The mission of First Community is clear: we are here to improve the financial well-being of our members while fostering a strong sense of community. We believe in providing not just services but also support helping you achieve your dreams, whether that means buying your first car or starting a new business. Our branch embodies this mission every day through various outreach programs and partnerships within Wahpeton. We understand that financial health goes hand-in-hand with community strength, which is why we actively engage in local events and initiatives aimed at building a brighter future for all residents. While members can visit us at 1601 Wheatland Rd, official correspondence should be sent to PO Box 35, Wahpeton, ND 58075-0035.

Branch Location & Accessibility

Accessibility and Parking

At First Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots. You'll find ample parking available, so you can visit us without any hassle.

Call to Action

We invite you to come by First Community today! If you have questions or need assistance before visiting us, don't hesitate to give us a call at 701-642-2020. We look forward to welcoming you and helping you achieve your financial goals!

Operating Hours

We know that life can get busy! That's why we offer convenient operating hours. Our lobby is open Monday through Friday from 9:00 AM to 4:30 PM, and on Saturdays from 9:00 AM to 12:00 PM. If you prefer drive-thru service, we're here for you even earlier on weekdays from 8:00 AM to 5:30 PM so you can manage your banking swiftly and easily.

Services Offered

First Community is more than just a bank; we're a partner in your financial journey. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or personal loans, we've got you covered. Our drive-thru services allow for quick deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, accessing your funds has never been easier! While members can visit us at our branch address for all their banking needs, please remember that official correspondence should be sent to PO Box 35, Wahpeton, ND 58075 if it differs from the physical location.

Member Eligibility

Becoming a member of First Community is like stepping into a welcoming community where your financial well-being is the priority. If you live, work, or worship in the area or have a family member who is already a member, you're likely eligible to join! At First Community, we believe that everyone deserves access to quality financial services, and our membership comes with numerous benefits like competitive rates on loans and savings accounts, personalized service, and a supportive network ready to help you achieve your goals. To learn more about the specific eligibility criteria, feel free to visit our website at https://www.myfccu.com/about/become-a-member.html. It's straightforward to get started; just reach out to us at (701) 642-2020 or stop by our branch located at 1601 Wheatland Rd Wahpeton Nd 58075. You can also find information on how to open an account by visiting https://www.myfccu.com/loans. Join us today and experience the difference of being part of First Community!

Business Banking & Commercial Services

Business Loans That Fuel 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 Designed for You

Imagine having a reliable partner that makes handling payments easy. Our merchant services help you accept various payment methods, ensuring your customers enjoy a smooth transaction experience. From point-of-sale systems to online payment solutions, we provide tools that simplify your operations and enhance customer satisfaction. Located at 1601 Wheatland Rd Wahpeton Nd 58075 in Wahpeton, ND, we are ready to assist you. For more information about how our business banking and commercial services can help your enterprise thrive, give us a call at (701) 642-2020. Let's work together to build the future of your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? We have ATMs available for convenient withdrawals and balance checks. Our drive-thru service allows for quick deposits, withdrawals, and simple transactions without leaving your car. At First Community, we're committed to making banking easy and accessible for everyone in the community. If you're ready to explore all we have to offer or have any questions about our services, don't hesitate to reach out! Call us at (701) 642-2020 or visit us at 1601 Wheatland Rd Wahpeton Nd 58075 today. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a vehicle? Our auto loans and vehicle financing solutions provide competitive rates and flexible terms. Picture yourself driving off in a new car while knowing you've made a smart financial choice with our tailored loan options.

Business Banking

For entrepreneurs and small businesses, our business banking services including merchant services and business loans are designed to help you thrive. We understand the unique challenges businesses face and offer customized solutions that cater specifically to those needs.

Credit Cards with Rewards

Our credit cards come with rewarding benefits that make everyday purchases more enjoyable. Earn points on every dollar spent and redeem them for exciting rewards! Plus, managing your account is easy through our online portal.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans. If you're looking to buy a home or refinance an existing mortgage for better terms, we're here to help simplify the process. You can trust us to guide you through each step, making it easier than ever to secure your dream home.

Personal Banking

We offer various personal banking options, including checking and savings accounts that fit your lifestyle. Imagine having the flexibility to manage your finances easily from anywhere our online and mobile banking features make it possible! With just a few taps on your phone or clicks on your computer, you can check your balance, pay bills, or transfer money.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options. Whether you need funds for an emergency or want to simplify your monthly payments into one manageable sum, our friendly staff will work with you to find the best solution.

Digital & Online Banking

Key Services

You can easily access all our online banking features by visiting https://www.myfccu.com/. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. If you need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. For those who prefer mobile banking, our mobile application provides all the tools you need right in your pocket. You can also make purchases using mobile payments, adding another layer of convenience to your daily transactions.

Security and Accessibility

Your security is our top priority. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected with robust security measures. Additionally, we provide e-statements so you can keep track of your finances securely without the clutter of paper statements. Managing your accounts has never been easier. With real-time account management through both our website and mobile app, you'll have everything you need at your fingertips. Whether you're checking your balance or reviewing recent transactions, you can do it all with ease. At First Community, we're committed to making banking straightforward and accessible for everyone. Join us today and experience the benefits of digital banking!

Financial Strength

Growing Member Base

With a total of 185,519 share accounts, we have a strong and growing member base that trusts us with their finances. This trust is further backed by net shares available for lending and investments totaling $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 1601 Wheatland Rd Wahpeton Nd 58075 or call (701) 642-2020 to learn more about how we can help you achieve your financial goals.

Member Savings Securely Managed

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 commitment to operational efficiency is reflected in our $2,725,044, allowing us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 247 full-time employees and 9 part-time employees ready to assist you with knowledgeable service.

Reinvestment for Better Services

We believe in reinvesting back into our community. With $141,996,298 in undivided earnings, we invest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $6,018 in used auto loans and $989,505,874 in total loans and leases.

Strong Financial Health

With a net worth of $169,061,323, we maintain robust financial health, which allows 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 interested in financing a new or used vehicle, we make it easy for you to secure an auto loan that fits your budget.

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 improve your existing business operations, we have loan products designed specifically for you. If you're interested in any of these loan products or want more information about refinancing options available at First Community, please visit our website at myfccu.com or call us directly. Our team is here to help you navigate through your financial choices effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 offer personalized service to ensure you find the right mortgage product for your needs. If you're considering refinancing your current mortgage, our team can guide you through eligibility options that may save you money.

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. Our credit cards come with rewarding benefits and low-interest rates to help you stay within your budget while enjoying the convenience of cashless transactions.

Loan Aggregator

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FIRST COMMUNITY CREDIT UNION - Wahpeton, ND

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