First Community Credit Union Oakes ND | Affordable Auto Loans & Checking

Introduction

At First Community, we believe in building strong relationships and supporting our members through every financial journey. Located at 103 N 7th St, Oakes, ND 58474, our branch has been a cornerstone of the Oakes community since it opened its doors in 1939. With over 46,708 proud members, we are dedicated to providing personalized banking solutions tailored to your needs. As part of our commitment to you, we proudly manage assets totaling an impressive $1,345,182,655. We understand that trust is earned through transparency and accountability. That's why we maintain a solid financial foundation with total deposits reaching $22,879,509 and a net worth of $169,061,323. Whether you're looking for auto loans, mortgages, or personal banking services, we have a range of options available with a total loan portfolio of 23,333 loans and leases ready to support your goals. Our team is led by CEO Stephen Schmitz and Board President Owen Olson, who are both committed to fostering a supportive environment where members can thrive. With a staff of 256 employees, we are here to provide exceptional service during our lobby hours from Monday to Friday between 9 AM and 4 PM and Saturday from 8:30 AM to noon. While you can visit us at our Oakes branch for all your banking needs, official correspondence should be directed to PO Box 131, Oakes, ND 58474-0131. We invite you to explore how First Community can help you achieve your financial dreams. Visit us online at myfccu.com or call us today at 701-742-2376. Your financial future starts here!

Branch History & Mission

Community Commitment

Over the years, First Community has established itself as a community pillar through partnerships and outreach initiatives. We understand that supporting local businesses and engaging in community activities strengthens the fabric of Oakes. As a member-focused credit union, we prioritize giving back and making meaningful contributions to local causes. While members can visit us at 103 N 7Th St Oakes Nd 58474, official correspondence should be sent to PO Box 131, Oakes, ND 58474-0131. For any inquiries or assistance, feel free to reach us at (701) 742-2376 during our operating hours: Monday through Friday from 9 AM to 4 PM and Saturday from 8:30 AM until noon. As we look towards the future, we invite you to join First Community. Experience firsthand how our dedication to service can help enhance your financial journey while contributing positively to the Oakes community. Together, let's build a brighter tomorrow! Visit us online at First Community to learn more about becoming a member today!

Our Mission

First Community's mission is to offer personalized banking solutions that help individuals and families achieve their financial goals. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we strive to meet your needs with care and respect. We believe that financial education is key to success; thus, we actively engage in community outreach programs aimed at enhancing financial literacy. In addition to traditional banking services, we also embrace technology. Our digital platforms allow members to manage their finances conveniently from anywhere. Whether it's online banking or mobile payments, we ensure that our services are user-friendly and secure.

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility for all our members. The branch is fully ADA compliant, ensuring that everyone can enjoy a smooth banking experience. With ample parking available and easy access ramps, visiting us is hassle-free.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We welcome you Monday through Friday from 9:00 AM to 4:00 PM, and on Saturdays until noon. If you prefer the convenience of drive-thru banking, we're here for you from 8:30 AM to 4:30 PM during the week and Saturday mornings until 12:00 PM.

Services Offered

We offer a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is readily available for quick withdrawals and balance checks. Plus, with basic drive-thru banking options for deposits and simple transactions, managing your money has never been easier. If you have questions or need assistance, don't hesitate to reach out! Call us at 701-742-2376 or stop by we'd love to assist you in person at First Community in Oakes. Your banking journey starts here!

Member Eligibility

Becoming a member of First Community is like joining a close-knit family where everyone supports each other. If you're interested in becoming part of our community, eligibility is quite simple! We welcome individuals who live, work, or worship in the area, as well as their family members. This means if you have a connection to our community, you can enjoy the benefits of membership. At First Community, located at 103 N 7Th St Oakes Nd 58474, you'll find a range of services designed to make your financial life easier and more rewarding. Joining us is straightforward just visit our website for detailed eligibility information at https://www.myfccu.com/about/become-a-member.html, and when you're ready to open an account, you can find everything you need at https://www.myfccu.com/loans. If you have any questions, don't hesitate to call us at (701) 742-2376. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our dedication 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. Whether you're looking to expand your operations or invest in new equipment, our member-focused loans are designed to meet your specific needs. For those outside our membership, we also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions that can adapt to your unique circumstances.

Merchant Services

In addition to loans, we offer robust merchant services that allow businesses like yours to efficiently manage transactions. Imagine having a reliable partner for payment processing that not only streamlines your sales but also enhances customer satisfaction. With our services, you can focus on what matters most growing your business. With an outstanding commercial loan portfolio of $615,205,115, we continue to drive economic growth by financing new and expanding businesses right here in Oakes, ND. Connect with us today at 103 N 7Th St Oakes Nd 58474 or call us at (701) 742-2376 to learn how we can support your business journey!

Comprehensive List Of Services

Business Banking Solutions

For our local entrepreneurs, Business Banking services are designed with your success in mind. From merchant services that make transactions easy to business loans for expansion or start-up costs, we are here to support your journey.

Convenient Access

We understand the importance of convenience in today's busy world. That's why we offer ATM & Cash Withdrawal Services, available 24/7 so you can access cash whenever needed. Plus, with our drive-thru banking service at Branch - Oakes, basic transactions like deposits and withdrawals are quick and hassle-free. Whether you're visiting us in person or using our digital platforms, you will always find friendly support ready to assist you. If you have any questions about our services or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (701) 742-2376 or visit us online at https://www.myfccu.com/. Join us at First Community today where community meets convenience!

Credit Card Benefits

Our credit cards come with rewards that fit your lifestyle. Enjoy cashback on purchases or earn points toward travel and experiences all while building your credit history.

Loans Tailored for You

When it comes to financing your dreams, our Auto Loans & Vehicle Financing options make it simple to get behind the wheel of a new car or truck. Whether you're buying new or used, we provide competitive rates that suit your budget. Additionally, if you're considering purchasing a home, our Mortgage Loans & Refinancing services will guide you through every step of the process. But life isn't just about big purchases; sometimes you need quick cash for unexpected expenses. That's where our Personal Loans & Debt Consolidation come in handy. We help simplify your finances by offering loans that can consolidate debt or cover emergencies.

Personal Banking

For everyday banking needs, we offer Personal Banking services that include checking and savings accounts. Imagine having a place where you can easily manage your money, save for future goals, and earn interest. With our user-friendly online and mobile banking platforms, accessing your accounts has never been easier. You can check balances, transfer funds, and pay bills from anywhere.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features that help you stay in control of your finances. Need to check your balance or review recent transactions? It's all just a few clicks away! You can also take advantage of electronic statements, making it easy to keep track of your financial activity without the clutter of paper. For those on the go, our mobile application provides even more flexibility. You can manage your accounts directly from your smartphone, whether you're paying bills or making person-to-person transfers with ease. Plus, if you enjoy using mobile payments, you'll be glad to know that this feature is available as well.

Security You Can Trust

We prioritize the safety of your information. While we currently do not offer electronic signature authorization, we implement strong security measures throughout our digital platforms to protect your personal data. Rest assured that when you bank with us online, you're in safe hands. Whether you're at home or out and about, managing your finances has never been easier or more secure with the services offered at First Community. Join us today and discover how our digital banking solutions can enhance your financial journey!

Financial Strength

A Growing Community

The strength of our community can be seen in our total share accounts 185,519 which reflect a growing base of trusted members who choose us for their financial needs. 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 103 N 7Th St Oakes Nd 58474 or call (701) 742-2376 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are well-protected through $345,644,293 in share certificates and $195,094,804 in money market shares. These options provide you with stable and rewarding opportunities for financial growth while ensuring your hard-earned money is safe. Unlike traditional banks, we prioritize our members' needs. With non-member deposits at $583,388, we focus our resources on providing benefits like better loan rates and exclusive perks tailored just for you.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $6,005,367, which enables us to continue providing competitive loan rates and solid financial products for you. We also take pride in having 247 full-time employees and 9 part-time employees who are dedicated to serving you. Their commitment ensures that our branches are always ready to assist with knowledgeable service.

Reinvestment for Improvement

Our commitment to continuous improvement is evident through our $141,996,298 in undivided earnings. These funds allow us to reinvest in innovative banking tools, enhanced security measures, and stronger lending options to serve our members better. With $6,018 in used auto loans and $989,505,874 in total loans and leases, we have the capacity to support your financial goals across various sectors, whether you're purchasing a car or investing in a home.

Strong Financial Health

With a net worth of $169,061,323, we maintain robust financial health, which empowers us to offer competitive rates, lower fees, and improved member services. This solid base ensures that your money is secure with us. Our net worth ratio of $1,257 further demonstrates our strong capital foundation. This ratio is essential as it reflects our ability to provide loans, competitive savings rates, and uninterrupted services even during 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 financing solutions for both new and used vehicles to ensure you can find something that suits your lifestyle and budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $615,205,115 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to support you with competitive rates and personalized service.

Eligibility and Refinancing Options

If you're considering refinancing or want to explore eligibility options for our various loan products, don't hesitate to reach out. We're here to help simplify the process so you can focus on what matters most. Feel free to contact us at 701-742-2376 or visit us at 103 N 7Th St Oakes ND 58474 for more information about how we can assist you in achieving 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. Let First Community be your partner in financial success!

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 every step of the process so you can feel confident in your investment.

Unsecured 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. Whether it's for emergencies or everyday purchases, our credit cards are designed to give you peace of mind.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

LendMesh guarantees accuracy by sourcing loan data 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 to transparency ensures that users receive fair and reliable offers tailored to their specific needs.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Community Commitment

Our Mission

Branch Location & Accessibility

Accessibility Features

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Solutions

Convenient Access

Credit Card Benefits

Loans Tailored for You

Personal Banking

Digital & Online Banking

Key Features

Security You Can Trust

Financial Strength

A Growing Community

Member-Focused Savings

Operational Efficiency

Reinvestment for Improvement

Strong Financial Health

Loan Offering

Auto Loans

Business Solutions

Eligibility and Refinancing Options

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

Join Our Community