First Community Credit Union Reedsport OR | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Community, your trusted credit union located at 1330 Highway 101 S, Reedsport, OR 97467. Since our establishment in 1957, we have been committed to serving our community with integrity and dedication. Our branch proudly supports 88,859 members, providing them with a wide range of financial services that cater to their needs. At First Community, we understand the importance of having a reliable financial partner. With total assets amounting to an impressive $1,671,099,995, we are well-equipped to offer competitive loans and savings products. We currently hold $96,834,719 in deposits and have extended 36,554 loans and leases to our valued members. Our net worth stands at a solid $200,401,002, reflecting our stability and commitment to responsible financial management. Led by our experienced CEO, David Elmer, and Board President, Robin McAlpin, we strive to foster a welcoming environment where every member feels valued. Our team of 359 dedicated employees is here to assist you with everything from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. While members can visit us at our branch location for face-to-face service or utilize our convenient drive-thru option, you can also access your accounts anytime through our online and mobile banking services. Feel free to give us a call at 541-271-2145 if you have questions or need assistance. Join us today at First Community where your financial success is our priority! For more information on how we can help you achieve your goals, visit our website at myfirstccu.org. We look forward to serving you!

Branch History & Mission

Join Us

As we continue to grow and adapt in an ever-changing world, we invite you to become part of the First Community family. Experience firsthand how we can help you achieve your financial goals while making a positive impact in Reedsport. For any inquiries or assistance, feel free to reach out at 541-271-2145 or visit us online at myfirstccu.org. Let's build a brighter future together!

Our Mission

At the heart of First Community lies our mission: to empower individuals and businesses by providing exceptional financial services while fostering a sense of belonging within our community. We believe that everyone deserves access to quality banking options and personalized support tailored to their unique needs. We understand that navigating finances can be challenging, which is why we prioritize member education and customer service. Our team is dedicated to ensuring that each member feels valued and supported every step of the way. From offering user-friendly online banking options to maintaining a welcoming lobby environment during our operating hours Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM we aim to make banking easy and accessible for all. For those who prefer in-person transactions, we offer convenient drive-thru services as well as ATM access for quick cash withdrawals or balance checks anytime.

Our Story

Since opening our doors more than six decades ago, First Community has evolved significantly. We began with a vision to provide accessible financial services to local residents and have since expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions. Over the years, we have achieved remarkable milestones, including accumulating total assets of nearly $1.67 billion. This growth reflects our unwavering dedication to meeting the needs of our members while contributing positively to the local economy. Our commitment goes beyond numbers; it's about building relationships and supporting our community. We actively participate in various outreach initiatives and partner with local organizations to help enhance the lives of those we serve. Whether it's through financial literacy programs or sponsoring community events, First Community strives to be a trusted partner in Reedsport.

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and clear pathways for those who may need assistance. Your comfort and convenience are our top priorities.

Call to Action

Ready to experience exceptional service? We invite you to visit us at First Community in Reedsport or give us a call at 541-271-2145 if you have any questions or need assistance. We look forward to helping you reach your financial goals!

Operating Hours

We understand that life can be busy! That's why we offer flexible operating hours. Our lobby welcomes you Monday through Thursday from 9 am to 5:30 pm and on Fridays until 6 pm. For those who prefer drive-thru service, we open earlier at 8:30 am during the week and maintain the same closing times.

Our Location

While our physical address is perfect for quick visits, please note that all official correspondence should be sent to the same address: 1330 Highway 101 S, Reedsport, OR 97467. We're situated close to local landmarks, making it even easier for you to drop in. With ample parking available right outside our doors, visiting us is hassle-free.

Services Offered

At First Community, we provide a wide array of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Need cash? Our ATM is always available for quick withdrawals and balance checks. Plus, if you prefer banking from home, our online and mobile banking services make managing your finances simple and convenient.

Member Eligibility

Welcome to the wonderful world of First Community, where becoming a member feels more like joining a family than just opening an account. If you're looking to enhance your financial journey, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in our community. We believe in making banking accessible for everyone, so whether you're just starting out or looking for new financial opportunities, we're here for you. To take the next step and open your account at First Community, simply visit us at our cozy location at 1330 Highway 101 S Reedsport Or 97467 or give us a call at (541) 271-2145. We make the process easy and welcoming because you deserve personalized service that fits your needs. For detailed eligibility criteria and updated information, feel free to check out our website at . Join us today and discover the benefits of being part of our supportive community!

Business Banking & Commercial Services

Business 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. Imagine having the capital to invest in new equipment or to expand your team. Our tailored loan products can provide that necessary boost to take your business to the next level.

Merchant Services

In addition to loans, we offer practical merchant services that simplify daily transactions. Picture running a busy café our point-of-sale systems ensure quick checkouts while managing inventory seamlessly. This allows you more time to focus on serving customers and growing your brand. Located conveniently at 1330 Highway 101 S Reedsport Or 97467 in Reedsport, OR, we're here to support your business needs. Connect with us at (541) 271-2145 to learn how we can partner with you for success!

Comprehensive List Of Services

Business Banking

For business owners, we understand the unique challenges you face. That's why our Business Banking services include comprehensive solutions like merchant services and business loans tailored to fit the specific needs of your company. We aim to make managing your finances as straightforward as possible so you can focus on growing your business.

Digital and Convenient Banking Solutions

With today's busy lifestyle, having access to your finances on-the-go is crucial. Our Online & Mobile Banking features allow you to check balances, transfer funds, and pay bills from anywhere using your smartphone or computer. You can also take advantage of our ATM and cash withdrawal services available at our location for added convenience. If you prefer in-person service, our friendly staff is ready to assist you through basic drive-thru banking for deposits, withdrawals, and simple transactions during lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday until 6 PM.

Get Started Today!

At First Community, we are here to support your financial journey every step of the way. With personalized service and a full suite of banking options available at your fingertips, managing your money has never been easier. For more information about any of our services or to speak with a representative, feel free to call us at (541) 271-2145 or visit us online at https://www.myfirstccu.org/page/main_home . Let us help you achieve your financial goals today!

Personal Banking

For individuals, we offer various Personal Banking options including checking and savings accounts that help you manage your everyday expenses while saving for future endeavors. If you're planning to buy a car, our Auto Loans & Vehicle Financing make it easy to get behind the wheel with competitive rates and flexible terms. Need a home? Our Mortgage Loans & Refinancing services are designed to help you secure the best possible deal on your dream home or refinance an existing mortgage for better terms. In addition to these, we provide Personal Loans & Debt Consolidation options that can help streamline your finances by combining multiple debts into one manageable payment. Plus, with our Credit Cards with Rewards, every purchase can earn you points towards exciting rewards.

Digital & Online Banking

Accessible Anytime

No matter where life takes you, First Community's online banking ensures you have real-time control over your finances. From monitoring spending to applying for loans or credit cards, everything is right at your fingertips. Discover the ease and security of digital banking with us today! Join the growing number of members who trust First Community for their financial needs and experience banking made simple.

Key Services

Our online banking service, accessible at https://www.myfirstccu.org/page/main_home , provides you with 24/7 access to your accounts. Whether you're checking balances, making transfers, or paying bills, everything is just a few clicks away. Plus, with our mobile application available for download, managing your money on the go has never been easier. Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and securely. And if you prefer the convenience of electronic documents, you can easily opt for e-statements no more paper clutter!

Security and Ease of Use

Your security is our top priority. We utilize electronic signature authorization to keep your transactions safe while ensuring that everything remains straightforward for you. With features like mobile payments integrated into our app, making purchases is not only quick but also secure.

Financial Strength

A Growing Community

We currently serve a growing community of 186,078 share accounts, which showcases the trust placed in us by our members. Our net shares stand at $6,881,825, indicating funds readily available for lending and investments. 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 1330 Highway 101 S Reedsport Or 97467 or call (541) 271-2145 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Commitment to Growth

Our commitment to our members extends beyond just savings; it also includes innovative lending options. We have $8,233 in used auto loans and $1,005,220,533 in total loans and leases available to support your financial goals across various sectors. Additionally, with $173,577,252 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better.

Member Savings at Work

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 who are always ready to assist you with a knowledgeable, committed team.

Solid Financial 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

Additional Options

For business owners looking for capital to grow and expand, our outstanding commercial loans total $224,724,188. These loans are designed to support local businesses in achieving their operational goals. If you're interested in refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out. We're here to provide guidance on how our loans can fit into your financial picture. For more information about our loan offerings or to get started with your application today, visit us at 1330 Highway 101 S Reedsport Or 97467, or give us a call at 541-271-2145. 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 help you pave the way toward achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $127,217,800 in used vehicle loans and $98,618,270 in new vehicle loans already helping members get on the road. With flexible terms and competitive rates, financing your vehicle has never been easier.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $49,265,536, making buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you will make, and our team is here to guide you every step of the way.

Unsecured Credit Cards

Managing your day-to-day expenses can be challenging. That's why 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. These cards provide you with convenience and rewards while allowing you to maintain control over your spending.

Loan Aggregator

Accurate 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 commitment ensures fair and transparent offers, allowing users to compare loans confidently. LendMesh stands out in several key areas: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and trust. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling informed decisions tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability of the platform and its impact on users' financial well-being. 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