First Community Credit Union Coos Bay OR | Affordable Auto Loans & Business Banking

Introduction

Welcome to First Community located at 150 Johnson Ave, Coos Bay, OR 97420. Since our establishment in 1957, we have proudly served our community, building lasting relationships with over 88,000 members. At First Community, we understand that banking is not just about numbers; it's about trust, support, and making financial dreams a reality. With total assets of $1,671,099,995, and total deposits amounting to $96,834,719, our financial strength speaks volumes about our commitment to our members. We offer a range of services from checking and savings accounts to auto loans and business banking solutions. Our team is dedicated to providing personalized service that meets the unique needs of each member. Under the leadership of CEO David Elmer and Board President Robin McAlpin, our staff of 359 employees is committed to ensuring your experience with us is as smooth as possible. With a net worth of $200,401,002 and cash in hand totaling $18,318,429, you can feel confident knowing your funds are secure with us. While members can visit us at 150 Johnson Ave, official correspondence should be sent to the same address for convenience. We invite you to explore the many financial opportunities available at First Community. If you have any questions or need assistance, please don't hesitate to call us at 541-267-5115 or visit our website at myfirstccu.org. Join us today and experience a credit union that truly cares about your financial future!

Branch History & Mission

Community Engagement

Our dedication to community service goes beyond providing financial products. We partner with local organizations and initiatives aimed at enhancing the quality of life in Coos Bay. Whether it's supporting educational programs or participating in local events, we believe in giving back to the community that has supported us throughout the years. As we look toward the future, First Community remains committed to evolving alongside our members' needs while maintaining the core values that define us: integrity, service, and community involvement. We invite you to join us on this journey experience firsthand how being part of First Community can make a positive impact on your financial well-being and contribute to the betterment of Coos Bay. For more information or assistance with your banking needs, don't hesitate to call us at 541-267-5115 or visit our website at myfirstccu.org. Together, let's build a brighter future!

Our Mission

At First Community, our mission is simple yet powerful: to empower individuals and families through comprehensive financial solutions while supporting the broader community. We understand that every member's needs are unique; therefore, we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking options. Our commitment extends beyond banking as we actively engage in community outreach programs designed to uplift and support those around us. While members can visit us at 150 Johnson Ave for all their banking needs, official correspondence should be sent to 150 Johnson Ave, Coos Bay, OR 97420-1423. We ensure that our facilities are modern and accessible to everyone. Our branch features ADA compliance standards to provide a welcoming environment for all members. We also embrace technology with various digital advancements such as online banking and mobile payments. These tools make it easier for our members to manage their finances on-the-go. Plus, with ATM availability right at our location, accessing cash is convenient whenever you need it.

Branch Location & Accessibility

Convenient Access

At First Community, we prioritize your convenience. Our location offers ample parking space, ensuring that you can access our services without any hassle. We are also committed to accessibility, featuring ADA-compliant entrances and ramps to make your visit as comfortable as possible.

Operating Hours

We understand that life can get busy, which is why our lobby hours are designed to fit your schedule. You can visit us Monday through Thursday from 9:30 AM to 5:30 PM and on Fridays until 6:00 PM. If you have any questions or need assistance outside these hours, feel free to give us a call at 541-267-5115.

Services Offered

While visiting First Community, you can take advantage of a variety of banking services tailored to meet your needs. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with an ATM available on-site for cash withdrawals and balance checks, managing your finances has never been easier. Although we do not offer drive-thru banking at this location or shared services with other branches, we encourage you to explore our comprehensive online and mobile banking options for added convenience.

Visit Us Today!

We invite you to stop by First Community in Coos Bay for all your banking needs. Our friendly team is ready to assist you in achieving your financial goals. Come see us today or give us a call if you have any questions! Your community credit union is here for you.

Member Eligibility

At First Community, we believe that becoming a member is about more than just opening an account; it's about joining a welcoming community that supports you every step of the way. To become a member at our Coos Bay branch, located at 150 Johnson Ave Coos Bay Or 97420, you'll need to meet some friendly eligibility criteria. Generally, anyone who lives, works, worships, or attends school in our local area can apply for membership. It's that simple! We're here to provide you with not only great financial products but also a sense of belonging and support as you navigate your financial journey. If you're ready to take the next step, opening an account is straightforward and hassle-free. Just give us a call at (541) 267-5115, or visit us to learn more about how to get started. For detailed information on eligibility requirements and updates, feel free to check out our resource at . Join us today at First Community and experience the benefits of being part of our community-focused credit union!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced marketplace, having reliable payment solutions is crucial. Our merchant services offer you secure ways to accept payments, making transactions easier for you and your customers. Picture this: your customers can pay with ease while you focus on what you do best growing your business. With our location at 150 Johnson Ave Coos Bay Or 97420 in Coos Bay, OR, we're just a call away at (541) 267-5115. Join us at First Community and let's work together to pave the way for your business success!

Tailored Business Loans

Imagine securing the funding needed to launch that innovative product you've been dreaming of. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $433 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $224,724,188, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For business owners, we offer comprehensive solutions through our Business Banking services. From Merchant Services that simplify payment processing to Business Loans that help grow your enterprise, we are here to support local businesses in achieving their goals.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime and anywhere. Need cash on the go? With our ATM & Cash Withdrawal Services, accessing your funds has never been easier. You can also enjoy basic ATM access for withdrawals and balance checks perfect for when you're on the move. At First Community, we strive to create an inviting atmosphere where members feel valued and supported. We invite you to visit us or call us at (541) 267-5115 if you have any questions about our services or how we can assist you further. Ready to take control of your financial future? Explore all that we have to offer today!

Home Financing Made Easy

Thinking about buying a home? Our Mortgage Loans & Refinancing services can guide you through the process, helping you find the right mortgage solution that fits your budget and goals. If you already have a mortgage but want to reduce your monthly payments, we offer refinancing options that may save you money over time.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, or you're ready to make a big purchase like a car, we've got you covered. Our Personal Banking options include flexible Checking & Savings Accounts tailored to fit your lifestyle. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing make it easy to drive away in your dream car without breaking the bank.

Rewarding Credit Card Options

If you're looking for a credit card that rewards your spending, check out our Credit Cards with Rewards program. It's designed to give back to you while making everyday purchases easier.

Support for Life's Unexpected Moments

Life can throw surprises our way, and having access to funds when needed is crucial. Our Personal Loans & Debt Consolidation services provide the financial support you need for those unexpected moments or for managing existing debt more effectively.

Digital & Online Banking

Key Features

With 24/7 online banking services, you can keep track of your accounts whenever it suits you. Our user-friendly interface makes navigating your finances a breeze. Need to view your account statements? Enjoy the option of e-statements, which provide a quick and eco-friendly way to stay informed about your account activity all while maintaining security. Managing payments has never been easier with our mobile payments feature. You can pay bills or send money to friends and family with just a few taps on your smartphone. Plus, our person-to-person transfer service allows you to send money directly to others without any hassle.

Security and Convenience

Your security is our top priority. With electronic signature authorization available, signing documents online is both safe and efficient. We ensure that all transactions are protected, giving you confidence in every click. For those who prefer using their smartphones for banking, our mobile application is available for download, making it easy to bank on the go. Whether checking balances, transferring funds, or depositing checks from the comfort of your couch, we've got you covered. At First Community, we're committed to making banking as simple and accessible as possible. Join us today and experience the ease of managing your financial life digitally!

Financial Strength

Growing Together

Total Share Accounts: 186,078, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,881,825. 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 150 Johnson Ave Coos Bay Or 97420 or call (541) 267-5115 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $173,577,252 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 significant; with $8,233 in used auto loans and $1,005,220,533 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $165,885,966 in share certificates and $163,120,145 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 355 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $200,401,002, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,199 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 $127,217,800 in used vehicle loans and $98,618,270 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable pre-owned vehicle, we've got you covered.

Commercial Loans

For business owners, our outstanding commercial loans totaling $224,724,188 provide the capital needed to grow and expand your business. Whether it's for purchasing equipment or managing day-to-day operations, we have tailored solutions to meet your commercial financing needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $49,265,536, make buying or refinancing simple. We provide personalized guidance throughout the mortgage process to ensure you find the right fit for your budget.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, our team can help you explore eligibility options that could lower your payments or free up cash flow. Feel free to reach out to us at 541-267-5115 for more information or visit us at 150 Johnson Ave Coos Bay, OR 97420. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us assist you in achieving your financial dreams today!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $8,852,487 in loans helping members manage their finances effectively. This option is perfect for those looking to build or improve their credit while enjoying rewards along the way.

Loan Aggregator

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FIRST COMMUNITY CREDIT UNION - Coos Bay, OR