First Community Credit Union Devils Lake ND | Best Auto Loans & Personal Banking

Introduction

Welcome to First Community, your trusted financial partner located at 1117 Highway 2 E, Devils Lake, ND 58301. Established in 1939, we have proudly served our community for over eight decades, nurturing a spirit of cooperation and financial wellness among our 46,708 members. With total assets exceeding $1.34 billion, we are committed to providing personalized services that meet the unique needs of each member. Our dedicated team, led by CEO Stephen Schmitz and Board President Owen Olson, is here to ensure you receive the support and guidance you need for all your banking endeavors. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we offer a wide range of financial products designed to help you achieve your goals. Currently, we hold a strong position with total deposits of $22,879,509 and net worth of $169,061,323, reflecting our stability and commitment to serving our members' best interests. While members can visit us at our branch for in-person assistance, official correspondence should be directed to the same address as our branch location. Our friendly staff is ready to assist you during our lobby hours from 9:00 AM to 5:00 PM on weekdays and from 9:00 AM to 12:00 PM on Saturdays. At First Community, we understand that banking goes beyond numbers; it's about building relationships and fostering trust within our community. Whether you're looking for loans or seeking advice on managing your finances, we're here for you every step of the way. Ready to take the next step? Visit us today or give us a call at 701-662-8118. Let's work together toward a brighter financial future!

Branch History & Mission

At First Community, we take pride in our rich history and unwavering commitment to serving the community of Devils Lake, ND. Established in 1939, our branch has grown alongside the people we serve, evolving from a small credit union into a vital financial institution with a total membership of over 46,000. Our journey began with a simple mission: to provide accessible financial services that empower individuals and families. Located at 1117 Highway 2 E, Devils Lake, ND 58301, we are proud to be part of this vibrant community. Our branch is easily accessible, not far from local landmarks that residents know and love. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same location. Over the years, First Community has achieved significant milestones, including amassing total assets of over $1.3 billion. This growth reflects our dedication to providing quality services while ensuring the financial well-being of our members. We offer a range of services from personal banking options like checking and savings accounts to auto loans and business financing solutions. Our mission is simple yet profound: to enhance the lives of our members through trusted financial guidance and support. We believe in building strong relationships within our community and actively engage in outreach programs that make a real difference in people's lives. Whether it's sponsoring local events or partnering with non-profits, we strive to give back to those who have supported us. First Community is also committed to embracing digital advancements that make banking easier for everyone. With features like online banking, mobile payments, and ATM access available at our branch, we ensure that our services are both convenient and accessible. For those who prefer face-to-face interactions, we offer drive-thru banking during extended hours. As a member-focused institution, we prioritize your needs above all else. From personalized financial advice to various loan options tailored for your unique circumstances, we're here to guide you every step of the way. We invite you to join First Community today and experience how our rich history shapes our commitment to your financial future. Together, let's create opportunities for growth and success in Devils Lake and beyond! For more information or to become a member, please visit our website. You can also reach us at 701-662-8118; we're excited to help you achieve your financial goals!

Branch Location & Accessibility

Banking Made Easy

At First Community, we aim to serve you better with our extended operating hours. Our lobby welcomes you Monday through Friday from 9:00 am to 5:00 pm and offers Saturday service from 9:00 am until noon. If you're on the go, take advantage of our drive-thru banking options available from 8:00 am to 5:30 pm on weekdays and until noon on Saturdays. We are proud to provide an ATM on-site for quick cash withdrawals and balance checks whenever you need them. Our team is always ready to assist you with various services like checking and savings accounts, auto loans, mortgages, personal loans, and more all tailored to fit your lifestyle.

Connect With Us

We invite you to visit us at First Community! If you have any questions or want more information about what we offer, feel free to call us at 701-662-8118. Your financial well-being is our priority, and we can't wait to see you soon!

Getting Here

Situated near popular landmarks, finding us is easy. Look for us just off the highway, making it simple for you to drop in. Parking is available right at our doorstep, ensuring a hassle-free experience from the moment you arrive. Plus, our building features ADA-compliant access so that everyone can enjoy our services without barriers.

Member Eligibility

At First Community, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is easy and welcoming! If you're in the Devils Lake area or have connections to our vibrant community, you might just qualify. Membership is open to anyone who lives, works, worships, or attends school in Ramsey County and surrounding areas. We're excited to offer you the benefits of membership, which include access to personalized financial services, lower fees, and competitive loan rates that can help you achieve your financial goals. Ready to take the next step? Opening an account at First Community is straightforward! You can find all the details about eligibility and the application process by visiting our website at https://www.myfccu.com/about/become-a-member.html. If you have any questions or need assistance along the way, feel free to give us a call at (701) 662-8118. We're here to help you every step of the way on your journey with us!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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 Made Easy

Imagine having the tools you need to process payments seamlessly whether it's through credit cards, debit cards, or mobile payments. Our merchant services simplify transactions, allowing you to focus on what you do best: running your business. From small retailers to large enterprises, we help you accept payments conveniently so you can serve your customers better. Located at 1117 Highway 2 E Devils Lake Nd 58301 in Devils Lake, ND, we are here to partner with you every step of the way. Reach out at (701) 662-8118 to learn how we can assist your business today!

Comprehensive List Of Services

Business Banking Support

For business owners, we offer comprehensive Business Banking solutions, including Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges, which is why we aim to provide tools that help streamline operations and support growth.

Connect With Us

If you're interested in learning more about how First Community can serve you better, don't hesitate to reach out! Call us at 701-662-8118 or visit our website at myfccu.com. Whether you're looking to open a new account or need assistance with existing services, we're here to help every step of the way. Your financial success is our priority!

Convenient Access

Accessing your accounts has never been easier with our ATM and cash withdrawal services available right at your fingertips. If you prefer in-person transactions, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. We know life gets busy, which is why our lobby hours are convenient: Monday through Friday from 9:00 am to 5:00 pm, with drive-thru service open until 5:30 pm on weekdays and Saturday hours from 9:00 am to noon.

Home Financing Made Easy

Thinking about buying a home? Our Mortgage Loans & Refinancing services take the stress out of purchasing property. We guide you through the process step-by-step, ensuring you find the right loan for your budget and lifestyle. Our team is here to answer questions and provide support, so you feel confident in your decision.

Personal Banking Solutions

Managing your day-to-day finances is easy with our Personal Banking options. We offer various Checking and Savings Accounts designed to fit different lifestyles and saving goals. Imagine having the flexibility to access your funds anytime through our Online & Mobile Banking platforms. You can check balances, transfer money, and pay bills right from your smartphone or computer. When it comes to making larger purchases or consolidating debt, our Auto Loans & Vehicle Financing and Personal Loans & Debt Consolidation options are tailored to help you achieve those goals without breaking the bank. Plus, with our Credit Cards with Rewards, every purchase can earn you points towards future rewards making your everyday spending more rewarding.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, so whether it's early morning or late at night, you can check balances, transfer funds, and pay bills with just a few clicks. Plus, we understand the importance of keeping your information safe. Our secure systems protect your data while providing you with an easy-to-use interface. For those who prefer managing their accounts on the go, our mobile application is available for download. You can enjoy features like mobile payments and person-to-person transfers right from your smartphone. Need to send money to a friend? It's as simple as a few taps on your screen! If you want to keep track of your statements without the clutter of paper, our e-statements are perfect for you. They're not only eco-friendly but also provide easy access to your financial records whenever you need them. While we currently do not support electronic signature authorization, our straightforward processes ensure that banking is still hassle-free. With all these features combined, First Community makes it easier than ever to manage your finances efficiently. Visit us today at https://www.myfccu.com/ and discover how our digital banking services can simplify your life!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 185,519, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,787,553. 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 1117 Highway 2 E Devils Lake Nd 58301 or call (701) 662-8118 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $6,005,367 reflects our operational efficiency, 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.

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 lending capacity is robust; with $6,018 in used auto loans and $989,505,874 in total loans and leases, we support your financial goals across various sectors.

Secure Savings Options

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.

Strong 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. Our net worth ratio of $1,257 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 $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 that make it easier than ever to drive away in a vehicle you love.

Credit Card Loans

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 credit cards provide an easy way to handle unexpected expenses while offering rewards and benefits tailored to your spending habits.

Credit Lines

Our total credit lines amount to $357,890,338, giving members access to additional funds when needed. This flexibility can be invaluable for managing cash flow or funding larger purchases without stress. For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the unique challenges businesses face and offer tailored solutions to meet your specific needs. At First Community, we prioritize your financial well-being. If you're considering refinancing options or are curious about eligibility requirements for any of our loan products, feel free to reach out to us at 701-662-8118 or visit our website at myfccu.com. 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 take the next step toward achieving your financial goals!

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 aim to guide you through the process, ensuring you find a mortgage solution that fits your budget and lifestyle.

Loan Aggregator

How LendMesh Ensures 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 approach ensures that users receive fair and transparent offers. By relying on verified data, LendMesh builds trust with its users, offering peace of mind in their financial decisions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. 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 kind of feedback highlights the value that LendMesh brings to borrowers looking for competitive rates. 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

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Banking Made Easy

Connect With Us

Getting Here

Member Eligibility

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Merchant Services Made Easy

Comprehensive List Of Services

Business Banking Support

Connect With Us

Convenient Access

Home Financing Made Easy

Personal Banking Solutions

Digital & Online Banking

Key Features

Financial Strength

Growing Member Trust

Operational Efficiency

Reinvesting in Your Future

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Credit Card Loans

Credit Lines

Mortgage Loans

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Key Benefits of Using LendMesh

Join Our Community