First Community Credit Union John Day OR | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to First Community, your trusted partner in financial wellness, located at 150 W Main St, John Day, OR 97845. Since our establishment in 1957, we've dedicated ourselves to serving our community with integrity and commitment. With a total membership of 88,859, we take pride in being more than just a credit union; we are a vital part of the John Day community. At First Community, our financial strength speaks for itself. With total assets reaching an impressive $1,671,099,995 and total deposits of $96,834,719, we ensure your money is safe and sound. We are here to support you with a diverse range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our leadership team is passionate about providing exceptional service. Led by CEO David Elmer and Board President Robin McAlpin, our dedicated staff of 359 employees is always ready to assist you with your financial needs. Whether you're looking for guidance on loans or want to take advantage of our online banking features, we're here for you. While members can visit us at 150 W Main St, official correspondence should be sent to the same address. For any questions or assistance, don't hesitate to call us at 541-575-5950. Join us at First Community today and experience the difference that comes with being part of a member-focused credit union! Visit our website at myfirstccu.org for more information on how we can help you achieve your financial goals.

Branch History & Mission

Community Engagement

Our involvement doesn't end with financial transactions. At First Community, we actively engage with local organizations and host events aimed at fostering growth within John Day and its surrounding areas. This commitment ensures that we remain not just a financial institution but a vital part of the community fabric. As we continue on this journey together, we invite you to join First Community. Experience firsthand how we're dedicated to your financial well-being while championing causes that matter most to you. Whether you're looking for personalized banking solutions or ways to get involved in local initiatives, we're here for you. Give us a call at (541) 575-5950 or visit our website at myfirstccu.org to learn more about what First Community can do for you!

Our Mission

The mission of First Community is simple yet impactful: to empower individuals and families through accessible financial solutions while nurturing a strong community spirit. We aim to provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. But it doesn't stop there; we believe in making a difference through community outreach initiatives and partnerships that uplift those around us. While members can visit us at 150 W Main St John Day Or 97845, official correspondence should be sent to 150 W Main St, John Day, OR 97845 if different from the branch address. In addition to traditional banking services, we have embraced technology with features like online banking and mobile payments, making it easier for our members to manage their finances on their terms. We are also proud to offer ADA-compliant facilities and drive-thru banking services for added convenience.

Branch Location & Accessibility

Welcome to First Community at our John Day branch, conveniently located at 150 W Main St, John Day, OR 97845. We are here to serve you with a friendly atmosphere and a range of financial services tailored to meet your needs. Our branch is easy to find, nestled near the heart of downtown John Day, close to local shops and restaurants that make this area vibrant. For your convenience, we offer ample parking right outside the entrance, ensuring quick access whether you're visiting us in person or stopping by for a drive-thru transaction. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant features so everyone can enjoy our services without any hassle. At First Community, we understand how busy life can get. That's why we're open Monday through Friday from 9 AM to 5 PM for lobby services and until 5:30 PM for drive-thru banking. Whether you need to deposit a check or discuss loan options with one of our knowledgeable staff members, we're here for you! We also have an ATM available on-site for quick cash withdrawals and balance checks outside of regular hours. If you need assistance after hours or prefer digital banking, our online and mobile banking services are just a click away. While members can visit us at 150 W Main St, official correspondence should be sent to the same address for consistency. Have questions? Feel free to call us at 541-575-5950; we're always happy to help! We invite you to drop by First Community in John Day today where your financial goals are our priority!

Member Eligibility

At First Community, we believe that joining our community is like becoming part of a family that supports and uplifts each other. If you're curious about becoming a member, it's quite simple! We welcome anyone who lives, works, or worships in the area, as well as their family members. This means that whether you're a long-time local or new to our vibrant community, there's a place for you here at First Community. Being a member comes with fantastic benefits, including personalized banking services and access to various financial products designed to meet your unique needs. To take the next step toward membership, all you need to do is visit us at our branch located at 150 W Main St John Day Or 97845. Our friendly team is ready to assist you with the account opening process. For more detailed information on eligibility criteria and how to get started, feel free to check out this resource. If you have any questions, don't hesitate to give us a call at (541) 575-5950. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer merchant services that streamline payment processing. Picture a busy Friday afternoon where customers are lined up at your counter. With our reliable payment solutions, you can efficiently handle transactions, allowing you to focus on what matters most serving your customers and growing your business. If you're looking for flexible financing options or efficient merchant services, visit us at 150 W Main St John Day Or 97845 in John Day, OR or call us at (541) 575-5950. Let's work together to 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 $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

Convenience at Your Fingertips

We believe in making banking easy and accessible for everyone. With features like Online & Mobile Banking, managing your finances has never been easier. Need assistance? You can reach us at 541-575-5950, or visit us at our branch located at 150 W Main St, John Day, OR 97845 during lobby hours from 9 AM to 5 PM (and drive-thru until 5:30 PM). At First Community, we're more than just a credit union; we're your partners in financial success. Explore all that we offer today by visiting our website at myfirstccu.org. Let us help you build a brighter financial future!

Credit Cards and Business Banking

Looking for rewards on your everyday spending? Our Credit Cards with Rewards program gives you points for purchases that can be redeemed for exciting rewards. Plus, if you're an entrepreneur or small business owner, our Business Banking solutions including merchant services and business loans are crafted to support your growth.

Home Financing

For those ready to purchase their dream home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process smoothly. We know that buying a home can feel overwhelming, but our team is here to assist you every step of the way.

Personal Banking

When it comes to personal banking, we offer a variety of Checking & Savings Accounts tailored to fit your lifestyle. Imagine having easy access to your money with our online and mobile banking services. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go. With our ATM & Cash Withdrawal Services, getting cash is simple and convenient. If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing options. We understand how important it is to find the right car at the right price, so we work hard to provide competitive rates and flexible terms that suit your budget.

Personal Loans

In today's world, unexpected expenses can arise at any moment. That's why we also offer Personal Loans & Debt Consolidation options designed to help you manage those costs effectively. Whether it's for medical bills or home repairs, having access to these funds can make all the difference.

Digital & Online Banking

Enhanced Services

Need to send money to friends or family? Our person-to-person transfer feature lets you do just that in a few taps. And if you're looking for a quick way to pay for everyday purchases, our mobile payments option makes transactions faster and more convenient than ever. Security is a top priority at First Community. We use advanced technology to ensure that your information is protected while you bank online. You can have peace of mind knowing that your financial data is safe with us. Overall, whether you're using a desktop or mobile device, our digital banking services are designed with you in mind easy, accessible, and secure. Experience the benefits today by visiting us online at https://www.myfirstccu.org/page/main_home!

Key Features

Our online banking service is available 24/7 at https://www.myfirstccu.org/page/main_home, making it simple for you to check balances, transfer funds, and pay bills at your convenience. Plus, with electronic signature authorization, signing documents is quick and easy no need for paper or trips to the branch. You can also enjoy e-statements, which provide an environmentally friendly way to keep track of your finances without the clutter of paper statements. And if you're always on the go, our mobile application puts all these features right in your pocket! It's user-friendly and allows you to manage your account just like you would on a computer.

Financial Strength

At First Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a trustworthy financial partner is essential. That's why we are proud to share our strong financial position, designed to give you peace of mind. With a net worth of $200,401,002, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.99% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. Our commitment to you is also reflected in our operational strength. 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. Additionally, with $8,233 in used auto loans and $1,005,220,533 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We're also proud of our operational efficiency. Our $6,604,257 shows that we are well-managed and capable of continuing to offer competitive loan rates and solid financial products for our members. We have a dedicated team comprising 355 full-time employees and 4 part-time employees who are always ready to assist you with their knowledge and commitment. Net Shares (Funds available for lending and investments): $6,881,825. Total Share Accounts: 186,078, indicating a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 W Main St John Day Or 97845 or call (541) 575-5950 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 $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 purchasing a new model or a reliable used vehicle, we have financing options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $224,724,188 provide the capital needed to grow and expand your operations. We understand the challenges that come with running a business and are here to support you with tailored financial solutions.

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 are committed to guiding you through the mortgage process to ensure you find the right solution for your housing needs.

Refinancing Options

If you're considering refinancing your existing loans or credit lines for better rates or terms, our team can assist you in exploring eligibility options that may work best for you. At First Community, we believe in making banking straightforward and accessible. Our range of loan products is designed with your financial future in mind. For more detailed information about our offerings or to apply for a loan today, visit us online at myfirstccu.org or give us a call at 541-575-5950. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

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 provides an easy way to cover unexpected expenses or consolidate debt without putting up collateral.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of using LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, which enhances the platform's credibility. Additionally, LendMesh maintains an impartial approach by offering no sponsored listings. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh's goal is to provide users with unbiased results. Another significant benefit is the availability of real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to evaluate their options quickly and effectively. This feature empowers borrowers to find competitive rates that 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!" Such testimonials highlight the positive impact of using this tool when searching for loans. 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.*

FIRST COMMUNITY CREDIT UNION - John Day, OR

Type of Loan Offerings

Mortgage Loans

Compare Loan Rates Near You

Loan rates in John Day, OR (97845)

Introduction

Branch History & Mission

Community Engagement

Our Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Tailored Loan Options

Comprehensive List Of Services

Convenience at Your Fingertips

Credit Cards and Business Banking

Home Financing

Personal Banking

Personal Loans

Digital & Online Banking

Enhanced Services

Key Features

Financial Strength

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Customers Also Interested In: