First Community Credit Union East Grand Forks MN | Best Auto Loans & Checking Accounts

Introduction

Welcome to First Community, your trusted financial partner located at 428 Bygland Rd SE, East Grand Forks, MN 56721. Established in 1939, we have proudly served our community for decades, fostering a spirit of collaboration and support among our members. With a growing membership of 46,708 individuals, we are committed to providing exceptional banking services tailored to your needs. At First Community, our total assets amount to an impressive $1,345,182,655, reflecting our strong financial foundation and dedication to serving you better. We understand the importance of financial security; that's why we manage total deposits of $22,879,509 and maintain a net worth of $169,061,323. Our focus is not only on numbers but on building lasting relationships with our members. Led by our CEO, Stephen Schmitz, and Board President Owen Olson, our team of 256 employees is here to provide personalized service. Whether you're looking for checking accounts, auto loans, or business banking solutions, we have the tools you need to achieve your financial goals. We also ensure that your funds are secure and accessible with cash in hand totaling $16,233,533. While members can visit us at our branch location for all their banking needs, feel free to explore more about us online at myfccu.com. If you prefer direct communication, don't hesitate to call us at 218-399-0324. Join us today and experience the difference that comes from being part of a credit union that values its members and the community!

Branch History & Mission

Welcome to First Community, located in the heart of East Grand Forks, Minnesota. Since our opening in 1939, we have built a rich legacy of serving our members and the community with dedication and care. Our branch, identified by the unique site ID 51800, has grown from a small credit union into a robust financial institution with total assets exceeding $1.3 billion. Today, we proudly serve over 46,000 members who trust us for their financial needs. Our branch is conveniently situated at 428 Bygland Rd SE, just a stone's throw away from essential local landmarks that make it easy for you to access our services. Our operating hours are designed to fit your schedule: our lobby is open Monday through Friday from 9 am to 5 pm and Saturday from 9 am to 12 pm. If you prefer drive-thru banking, we're available Monday through Friday from 7:30 am to 6 pm. Plus, we provide ATM services for added convenience. At First Community, our mission is clear: to deliver exceptional financial services while fostering community growth and support. We believe that every member deserves access to personalized banking solutions that meet their unique needs. From personal checking and savings accounts to auto loans and mortgages, we offer a wide array of products designed to empower you financially. We also take pride in our commitment to community outreach. Our partnerships with local organizations aim to uplift those around us and create lasting positive change. Through various initiatives and events, we strive to enhance the lives of everyone in East Grand Forks. As we continue to innovate and adapt in this fast-changing world, we are dedicated to providing user-friendly online and mobile banking services. Our goal is not only to meet your banking needs but also to ensure that your experience with us is smooth and rewarding. While members can visit us at 428 Bygland Rd Se East Grand Forks Mn 56721, official correspondence should be sent directly to our mailing address if different from the branch address. Join First Community today and discover how we can help you achieve your financial goals while being part of a supportive community! For more information or assistance, feel free to call us at (218) 399-0324 or visit our website at First Community. Your journey towards financial success begins here!

Branch Location & Accessibility

Convenient Access for Everyone

At First Community, we prioritize accessibility. Our branch features ADA-compliant facilities, including ramps and designated parking spots, ensuring that everyone can visit us comfortably. Whether you're using our drive-thru service or coming inside, you'll find our welcoming environment ready to serve you.

Friendly Hours to Serve You Better

We understand that life can get busy, which is why we offer flexible operating hours. Our lobby is open from 9 AM to 5 PM Monday through Friday and 9 AM to 12 PM on Saturdays. If you're in need of quick services, our drive-thru is available from 7:30 AM to 6 PM on weekdays, providing an efficient way to handle your banking needs without stepping out of your car.

Let's Connect!

Ready to experience the convenience of First Community? Feel free to call us at 218-399-0324 or stop by during our operating hours. We look forward to welcoming you into our community-focused branch where your financial wellness is our top priority!

Services Tailored Just for You

At our East Grand Forks branch, we offer a variety of services designed to help you manage your finances effectively. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our friendly staff is always available to assist with any questions you may have about our products or services.

Member Eligibility

At First Community, we believe that becoming a member is like joining a caring community where your financial well-being matters. If you're wondering whether you can be part of our family, we welcome individuals who live, work, worship, or go to school in our service areas. It's an inclusive space designed for everyone, and we would love to have you with us! You can learn more about the specific eligibility requirements by visiting this page. Joining us is simple! All you need to do is fill out an application, which you can start by checking out our account opening details here. If you have any questions or need assistance, don't hesitate to give us a call at (218) 399-0324. Our friendly staff is here to help you take this exciting step towards better financial opportunities at First Community, located at 428 Bygland Rd Se East Grand Forks Mn 56721. We can't wait to welcome you!

Business Banking & Commercial Services

Commercial Loan Options

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

Imagine a busy weekend where your sales soar. Our merchant services ensure that every transaction goes smoothly, allowing you to focus on what you do best running your business. From payment processing to point-of-sale systems, we provide practical solutions that keep your cash flow steady and your customers satisfied. If you're ready to take your business to the next level, visit us at 428 Bygland Rd Se East Grand Forks Mn 56721 in East Grand Forks, MN, or give us a call at (218) 399-0324. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key at First Community. With our ATM services available 24/7, accessing cash has never been easier. You can withdraw funds or check balances without stepping inside the branch.

Auto Loans & Vehicle Financing

Looking to purchase a new vehicle? Our auto loans provide flexible financing options that fit your budget. We offer competitive rates whether you're buying a new car or refinancing an existing loan. Imagine driving off in your dream car with an affordable monthly payment that doesn't break the bank.

Basic Drive-Thru Banking

Need to make a deposit or withdrawal quickly? Our drive-thru service is designed for busy individuals who want to get in and out efficiently. Complete simple transactions without leaving your car. In addition to these services, our friendly staff is always ready to assist with any questions or concerns you may have about managing your finances. Contact us today at 218-399-0324 or visit us online at First Community to learn more about how we can help you achieve your financial goals. Join us at First Community where your financial success is our priority!

Business Banking

For our business members, we provide robust banking solutions including merchant services and business loans. Running a business is challenging enough; let us help simplify your banking needs so you can focus on growth.

Credit Cards with Rewards

Earn while you spend with our credit cards featuring rewards programs. Enjoy cashback on purchases or points that can be redeemed for travel, merchandise, and more! It's like getting paid just for using your card wisely.

Mortgage Loans & Refinancing

For those looking to buy their first home or refinance an existing mortgage, we offer personalized mortgage solutions tailored just for you. Our experienced team will guide you through every step of the process, ensuring you find the best rates available. Picture yourself in a cozy home with a manageable mortgage that allows for a stress-free lifestyle.

Personal Banking

We understand that personal finances can be overwhelming. That's why we offer checking and savings accounts that help you manage your money effectively. With competitive interest rates and no hidden fees, you can feel confident knowing your funds are secure. Our online and mobile banking services allow you to check balances, transfer money, and pay bills right from your smartphone anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are here to help when you need quick access to cash. Whether it's for home improvements or consolidating debt into one easy payment, we have options that work for you.

Digital & Online Banking

Key Features

Our mobile application makes banking even easier. Whether you're using an iPhone or Android device, you can manage your accounts effortlessly. Plus, enjoy the ease of mobile payments, making transactions smoother than ever. Need to send money to a friend? With our person-to-person transfers, it's as simple as a few taps on your phone. For those who prefer paperless options, we offer e-statements so you can view your account statements securely online without cluttering your mailbox. And while we currently do not support electronic signature authorization, we're committed to ensuring all other features are user-friendly and designed with your security in mind. In addition, our commitment to security means that we use advanced measures to keep your personal information safe while you enjoy these digital conveniences. At First Community, we are dedicated to making your banking experience enjoyable and efficient. Experience the freedom of modern banking today! Visit us at https://www.myfccu.com/ and take advantage of all our digital services.

Financial Strength

Growing Member Base

We are proud to have a growing member base with 185,519 total share accounts. This shows the trust that our community places in us as their financial partner. In conclusion, 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 428 Bygland Rd Se East Grand Forks Mn 56721 or call (218) 399-0324 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.*

Member Savings and Investments

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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance reflects operational efficiency, as shown by our $6,005,367. This allows us to continue providing competitive loan rates and solid financial products tailored for you. 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.

Our Financial Health

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. This solid foundation is complemented by our net worth ratio of $1,257, which demonstrates our ability to provide loans and competitive savings rates without interruption even in uncertain economic times.

Reinvesting in Your Future

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 commitment extends to supporting your goals with $6,018 in used auto loans and $989,505,874 in total loans and leases, demonstrating our dedication to helping you finance your aspirations.

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. We provide flexible terms and competitive rates to ensure that your vehicle financing experience is as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the unique challenges that businesses face and are committed to offering tailored solutions that help drive success. At First Community, we pride ourselves on making financial services accessible and straightforward. Our knowledgeable staff is here to guide you through each step of the loan application process, ensuring that you find the best option for your specific situation. For more information on our loan offerings or if you have questions regarding eligibility or refinancing options, please feel free to reach out at (218) 399-0324 or visit us at 428 Bygland Rd Se East Grand Forks Mn 56721 in East Grand Forks, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can support your financial journey today!

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 believe that everyone should have access to affordable housing solutions. If you're interested in refinancing your current mortgage or exploring eligibility options for our mortgage products, our team is ready to assist you.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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 rewards and benefits that cater to your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 that all offers presented are fair and transparent. Each lender included in the comparison is vetted for reliability, allowing users to trust that the information they receive is accurate and up-to-date.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access for Everyone

Friendly Hours to Serve You Better

Let's Connect!

Services Tailored Just for You

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Basic Drive-Thru Banking

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Financial Strength

Growing Member Base

Member Savings and Investments

Operational Efficiency

Our Financial Health

Reinvesting in Your Future

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Join Our Community