Introduction
Welcome to First Community, your trusted financial partner located at 1307 Beaver Ave, Wishek, ND 58495. Since our establishment in 1939, we have dedicated ourselves to serving our community with reliable banking solutions tailored to meet the unique needs of our members. With a membership base of 46,708 and total assets exceeding $1.3 billion, we are proud to be a cornerstone of financial stability and support in Wishek. At First Community, we understand that banking goes beyond transactions; it's about building relationships. Our team is led by CEO Stephen Schmitz and Board President Owen Olson, who share a commitment to providing exceptional service and fostering financial wellness for all our members. Whether you're looking for personal banking options such as checking and savings accounts or seeking financing for your next vehicle or home, we have a variety of products designed just for you. While members can visit us at our branch, official correspondence should be sent to PO Box 786, Wishek, ND 58495-0786. We invite you to explore the services we offer, including auto loans, mortgages, business banking solutions, and more all supported by a strong net worth of $169,061,323 and total deposits amounting to $22,879,509. Our doors are open Monday through Friday from 9:00 AM to 4:00 PM (with drive-thru service starting at 8:30 AM), making it convenient for you to access your banking needs. If you ever have questions or need assistance, don't hesitate to call us at 701-452-2245. Join us in experiencing the difference that comes with being part of First Community where your financial goals are our priority! Visit our website at myfccu.com today to learn more about becoming a member or opening an account. Together, let's build a brighter financial future! Branch History & Mission
At First Community, we take pride in our rich legacy and commitment to serving the Wishek community. Established in 1939, our branch has grown alongside its members, evolving from a small credit union into a trusted financial partner for thousands. Located at 1307 Beaver Ave, Wishek, ND 58495, we are proud to have built strong ties with local residents and businesses over the years. From our humble beginnings, First Community has blossomed into a vital financial institution with a total membership of 46,708 and assets amounting to an impressive $1,345,182,655. Our mission is simple yet profound: to provide accessible financial services while fostering community support and development. We believe that everyone deserves the opportunity to achieve their financial goals, and we strive to make that possible through personalized service and innovative solutions. While members can visit us at 1307 Beaver Ave, official correspondence should be sent to PO Box 786, Wishek, ND 58495-0786. Our operating hours are convenient for all: Monday through Friday from 9:00 AM to 4:00 PM, with drive-thru service available from 8:30 AM to 4:00 PM. First Community is more than just a place to bank; we are dedicated to enhancing the lives of our members through community outreach and partnerships. Whether it's supporting local events or providing educational resources about financial literacy, we aim to make a positive impact in Wishek and beyond. In today's fast-paced world, we embrace digital advancements while ensuring that our services remain accessible for everyone. We offer online and mobile banking options that allow members to manage their finances anytime, anywhere. Although we currently do not have ATM services available at this branch, our drive-thru banking ensures quick access for deposits and withdrawals. As we continue on this journey together, we invite you to become part of the First Community family. Join us today and experience firsthand the benefits of being a member of a credit union that truly cares about your financial well-being. Together, let's build a brighter future for our community!
Branch Location & Accessibility
Welcome to First Community at the Branch - Wishek! Conveniently located at 1307 Beaver Ave, Wishek, ND 58495, our branch is here to serve you with a range of banking solutions tailored to meet your needs. Whether you're stopping by for personal banking or looking for assistance with loans, we ensure that your visit is easy and enjoyable. Nestled in the heart of McIntosh County, our branch is easily accessible from nearby landmarks such as the local parks and community centers. If you're coming by car, you'll find ample parking available right outside, making it simple to hop in and out. We also have features that ensure accessibility for all members, including ADA-compliant entrances and ramps. While members can visit us at 1307 Beaver Ave, please note that official correspondence should be sent to our mailing address: PO Box 786, Wishek, ND 58495-0786. We're open Monday through Friday from 9:00 AM to 4:00 PM, with our drive-thru available from 8:30 AM to 4:00 PM for those quick transactions. Our friendly staff is ready to assist you with services like checking and savings accounts, auto loans, mortgages, and more. Plus, we offer basic drive-thru banking for deposits and withdrawals perfect if you're on the go! Have questions or need assistance? Feel free to give us a call at 701-452-2245. We can't wait to welcome you at First Community!
Member Eligibility
At First Community, we believe that becoming a member is more than just opening an account; it's about joining a caring community that supports your financial journey. If you're wondering how to become part of our family, it's simple! Anyone who lives, works, worships, or attends school in the area is eligible to join us. This includes not just individuals but also businesses and organizations within our community. We take pride in offering personalized services tailored to meet your needs, whether you're looking for checking accounts, loans, or financial advice. Ready to take the next step? Opening an account at First Community is straightforward and welcoming. You can find all the details you need about eligibility and the account opening process by visiting our website at https://www.myfccu.com/about/become-a-member.html. If you have any questions or need assistance, feel free to call us at (701) 452-2245. Our friendly team is here to help you every step of the way! Come visit us at 1307 Beaver Ave Wishek Nd 58495 and see how being a member can benefit you today. Business Banking & Commercial Services
At First Community, we understand that every business has its unique story and challenges. Whether you're a startup or an established company, having the right financial support is essential for growth. Our commercial loan products are designed to empower you to achieve your goals. Imagine expanding your storefront or investing in new equipment that can enhance your operations. With our business loans, you can turn these dreams into reality. 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. Additionally, our merchant services simplify transactions so you can focus on what matters most running your business. Imagine a streamlined payment process that allows customers to pay easily, making their shopping experience enjoyable while boosting your sales. Visit us at 1307 Beaver Ave Wishek Nd 58495 in Wishek, ND, or call us at (701) 452-2245 to learn how we can help your business thrive!
Comprehensive List Of Services
Business Banking Services
For business owners, First Community offers specialized services such as merchant services and business loans. We understand the unique challenges businesses face, which is why we tailor our solutions to help you grow and succeed.
Convenient Access Anytime
In today's fast-paced world, having access to your accounts whenever you need them is essential. That's why we prioritize online and mobile banking, allowing you to manage your finances from anywhere at any time. Additionally, our basic drive-thru banking services ensure quick transactions like deposits and withdrawals without leaving your car. With all these services conveniently available at Branch - Wishek, it's easier than ever to take control of your financial future. If you're ready to explore what we offer further or have questions about becoming a member, don't hesitate to reach out! Call us at (701) 452-2245 or visit us today your journey towards financial empowerment starts here!
Credit That Rewards You
Don't forget about our credit cards with rewards, designed to help you earn points or cash back on your everyday purchases. It's a great way to make your spending work for you while enjoying additional benefits like travel insurance or purchase protection.
Home Financing Made Easy
If homeownership is on your mind, we have you covered with our mortgage loans and refinancing options. Our experienced staff will guide you through the process, ensuring you understand all your options. You might be surprised at how affordable owning a home can be! For those times when unexpected expenses arise or when you're looking to consolidate debt, our personal loans can provide the financial relief you need. We work with you to create a plan that fits your budget.
Personal Banking Solutions
Our personal banking services are tailored for individuals and families who want to manage their finances effectively. We offer checking and savings accounts that come with user-friendly online and mobile banking features. This means you can easily track your spending, transfer money, and pay bills right from your smartphone or computer. Imagine being able to check your balance while waiting in line or quickly transferring funds without needing to visit the branch! When it comes to financing a vehicle, our auto loans and vehicle financing options are competitive and straightforward. Whether you're buying a new car or refinancing an existing loan, we provide the support you need to drive away confidently.
Digital & Online Banking
Key Features for Your Convenience
Managing your money has never been simpler. You can easily enroll in e-statements, so you'll receive your account statements electronically no more paper clutter! If you prefer using your smartphone, our mobile application is here to help. You can download it today and enjoy features like mobile payments, making transactions quick and hassle-free. Do you need to send money to a friend or family member? Our person-to-person transfer feature makes it easy to send funds directly from your account without any extra fees. And for those who love signing documents electronically, we offer electronic signature authorization, streamlining processes while keeping everything secure. At First Community, we prioritize your safety. Our online banking system employs robust security measures to protect your information, ensuring peace of mind as you manage your accounts in real-time. In summary, whether you prefer accessing services through a computer or mobile device, First Community has the digital tools you need for convenient banking. Experience the ease of modern banking today by visiting us at https://www.myfccu.com/!
Financial Strength
A Solid 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 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.
Growing Together
Total Share and Deposit Accounts stand at 185,519, showing a strong and growing member base that trusts us with their finances. Our Net Shares available for lending and investments amount to $1,787,553, further solidifying our ability to support your financial endeavors. 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 1307 Beaver Ave Wishek Nd 58495 or call (701) 452-2245 to learn more about how we can help you achieve your financial goals.
Operational Excellence
Our operational efficiency is reflected in our $2,725,044, 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.
Reinventing Banking for You
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 supports your financial goals across various sectors; we have $6,018 in used auto loans and $989,505,874 in total loans and leases.
Secured 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.
Loan Offering
Additional Loan Options
For business owners looking to expand their operations, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow. Additionally, if you're interested in personal borrowing options like credit lines or personal loans for debt consolidation or unexpected expenses, we have competitive rates available. At First Community located at 1307 Beaver Ave Wishek ND 58495, our dedicated team is here to answer your questions and guide you through the loan application process. Give us a call at 701-452-2245 during our operating hours Monday through Friday from 9:00 AM to 4:00 PM to learn more about how we can assist you in reaching your financial aspirations. Explore our offerings today and take the first step toward achieving your financial goals!
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 ride or finding an affordable option for a pre-owned vehicle, we have flexible terms that can fit your budget.
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 provide personalized support throughout the mortgage process to help you secure the right loan for your situation.
Unsecured Credit Card Loans
Managing everyday expenses can be challenging. 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 come with features that can enhance your purchasing power while offering rewards and benefits.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the interests of our users. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, helping them make choices that best suit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback underscores the reliability and effectiveness of our service. Ready to start your loan comparison? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.
Ensuring 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 fair and transparent offers, allowing users to trust that the information they receive is accurate and up-to-date.
