First Community Credit Union Valley City ND | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to First Community, your trusted partner in financial wellness located at 115 5Th Ave Ne, Valley City, ND 58072. Since our establishment in 1939, we have proudly served our community with dedication and integrity, growing alongside our members. With a total membership of over 46,700 individuals, we aim to provide personalized financial solutions that cater to your unique needs. At First Community, we understand that trust is built through transparency. That's why we are excited to share some of our key achievements: We currently hold $1,345,182,655 in total assets and have made it possible for our members to access an impressive 23,333 loans and leases. Your deposits matter to us; we have secured a total deposit amount of $22,879,509, ensuring your funds are safe and accessible whenever you need them. While members can visit us at our Valley City branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 36, Valley City, ND 58072. Our team of dedicated professionals led by CEO Stephen Schmitz and Board President Owen Olson is here to support you every step of the way. With a committed staff of 256 employees, we strive to create a welcoming atmosphere where you can feel confident in your financial choices. Our commitment extends beyond numbers; it's about making a positive impact in our community. Whether you're looking for personal banking services like checking and savings accounts or seeking assistance with auto loans or mortgages, we're here for you. Our online and mobile banking options make managing your finances easier than ever. If you're ready to take the next step toward achieving your financial goals or simply want more information about our services, feel free to reach out! Call us at 701-845-4647, or visit our website at myfccu.com today! We look forward to serving you and being part of your financial journey.

Branch History & Mission

At First Community, our journey began in 1939 in the heart of Valley City, ND. Since then, we have grown into a trusted financial partner for our community. Our branch at 115 5th Ave NE, Valley City, ND 58072 has become a staple in the area, serving over 46,708 members and managing total assets of over $1.3 billion. With decades of experience behind us, we take pride in offering personalized services that cater to the unique needs of each member. Our mission is simple yet powerful: to empower our members by providing accessible financial services while fostering community growth and support. We believe that when our members succeed, we all thrive together. Whether it's through offering competitive auto loans or business banking solutions, we are dedicated to enhancing the financial well-being of every individual and family we serve. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 36, Valley City, ND 58072. We also understand the importance of convenience; that's why we offer drive-thru services and ATM access to ensure you can manage your finances easily. Over the years, we've embraced technological advancements to enhance our services. Our digital platforms include online banking and mobile payments so you can bank on-the-go. As part of our commitment to accessibility, we ensure compliance with ADA standards so that everyone can enjoy our services comfortably. Community involvement is at the core of what we do. We actively partner with local organizations to contribute to various outreach programs aimed at improving lives right here in Valley City. Through these partnerships, we aim not just to provide financial solutions but also to uplift and strengthen our community as a whole. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership with First Community today! Connect with us at 701-845-4647 or visit our website to learn more about how we can support your financial goals. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility. Our branch is ADA compliant and features ramps to ensure that everyone can access our services comfortably. Ample parking is available for our members, so you won't have to worry about finding a spot when you visit us.

Get in Touch!

Ready to experience hassle-free banking? Stop by First Community today or give us a call at (701) 845-4647. We look forward to welcoming you into our community!

Operating Hours

We're here for you Monday through Friday from 9 AM to 4 PM. Need a little extra time? Our drive-thru service opens earlier at 8 AM and closes at 5:30 PM on weekdays. On Saturdays, you can still take care of your banking with us until noon at the drive-thru. Whether you're stopping in for a quick transaction or need some assistance with your accounts, our friendly staff is ready to help!

Services Available

First Community offers a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have what you need. You can also enjoy the convenience of online and mobile banking, ensuring that your finances are always at your fingertips. Plus, with ATM access right here at our branch, cash withdrawals and balance checks are quick and easy. While members can visit us at 115 5Th Ave Ne Valley City Nd 58072, official correspondence should be sent to PO Box 36, Valley City, ND 58072 if needed.

Member Eligibility

At First Community, we believe that everyone deserves a place in our supportive community. Becoming a member is as simple as meeting a few friendly eligibility requirements. If you live, work, worship, or attend school in our service area, you're likely already qualified to join us! We warmly welcome individuals and families who share our values and want to take advantage of the personalized banking services we offer. By becoming a member of First Community, you gain access to various benefits, including competitive loan rates, savings accounts with great interest, and exclusive member offers tailored just for you. Ready to start your membership journey? Opening an account at our branch located at 115 5Th Ave Ne Valley City Nd 58072 is easy! Just give us a call at (701) 845-4647 or check out the detailed eligibility criteria on our website at https://www.myfccu.com/about/become-a-member.html. We're excited to have you join our community and look forward to helping you achieve your financial goals!

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

In addition to loans, we offer comprehensive merchant services designed to simplify your payment processing. Imagine running your business while effortlessly accepting payments from customers, whether they choose credit cards, debit cards, or mobile payments. Our solutions help streamline transactions, allowing you more time to focus on what you do best growing your business. Located at 115 5Th Ave Ne Valley City Nd 58072 in Valley City, ND, we're here to partner with you on your journey to success. Contact us at (701) 845-4647 or visit us online at https://www.myfccu.com/ for more information about how we can support your business banking needs.

Comprehensive List Of Services

Business Banking Services

Small business owners will find valuable resources at First Community as well. From merchant services that simplify payment processing to business loans designed to help grow your enterprise, we are committed to supporting local businesses every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can conduct transactions from anywhere at any time, whether it's withdrawing cash from our ATMs or using drive-thru services for quick deposits and withdrawals. Our ATM availability ensures that you can access your funds when you need them most. Basic transactions like balance checks or cash withdrawals are straightforward and efficient.

Personal Banking Solutions

For your everyday banking needs, First Community offers a variety of checking and savings accounts that fit different lifestyles. Imagine being able to manage your money effortlessly online or through our mobile app. You can easily check your balance, make transfers, and pay bills with just a few taps on your phone. When it comes to financing your dreams, we have attractive auto loans and vehicle financing options that help you get behind the wheel without breaking the bank. Thinking about buying a home? Our mortgage loans and refinancing options can guide you through the process, making it simpler than ever. If you're facing unexpected expenses or want to consolidate debt, our personal loans are here for you too. Plus, our credit cards with rewards can offer you perks on your everyday purchases think cash back or travel points!

Why Choose First Community?

With friendly staff ready to assist you at our branch in Valley City, North Dakota, we aim to create an inviting atmosphere where you feel valued. We understand that each member has unique financial needs, which is why we take the time to listen and provide personalized solutions. If you're ready to explore how we can support your financial journey, don't hesitate to reach out! Call us at 701-845-4647 or visit us in person during our convenient hours: Monday through Friday from 9 AM to 4 PM and Saturday from 9 AM to noon for drive-thru services. Join us today at First Community where your financial success is our priority! For more information about becoming a member or opening an account, visit our website.

Digital & Online Banking

Key Services

Our online banking includes features like e-statements, which allow you to view your account statements electronically. This not only helps the environment but also gives you instant access to your financial history without the clutter of paper statements. Plus, with our mobile application available, banking is always at your fingertips whether you're at home or on the go. We understand that many of our members enjoy the ease of mobile payments. With this feature, you can make purchases quickly and securely using your smartphone no need to carry cash or cards around. Additionally, if you need to send money to friends or family, our person-to-person transfer service makes it a breeze.

Security and User-Friendliness

While convenience is key, security is equally important. At First Community, we prioritize keeping your information safe with robust security measures in place. Our platform is user-friendly, ensuring that even those who may not be tech-savvy can navigate their accounts easily. Whether you're checking your balance after hours or making a payment on the weekend, our online banking service ensures that you have complete control over your finances when it suits you best. Experience the freedom of modern banking with First Community today!

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 knowing your credit union is financially strong is essential for your peace of mind. That's why we are proud to share our financial highlights, which showcase our commitment to serving you reliably. 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. 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. 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, supporting members' financial goals across various sectors with $6,018 in used auto loans and $989,505,874 in total loans and leases. Our operational efficiency is reflected in our $6,005,367, 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. Our net shares available for lending and investments stand at $1,787,553, while the total number of share accounts shows a strong member base that trusts us with their finances at 185,519. 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 115 5Th Ave Ne Valley City Nd 58072 or call (701) 845-4647 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.

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. Whether you're interested in a new or used vehicle, we can provide flexible financing solutions that fit your budget.

Credit Lines

For added flexibility, our credit lines totaling $357,890,338 can be an excellent resource for managing unexpected expenses or making larger purchases. With competitive interest rates and easy access to funds when you need them most, these lines of credit are designed with your convenience in mind.

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 can help you navigate the process with ease and find a plan that works for your unique situation.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages to take advantage of lower rates or better terms, we offer various eligibility options that can help you save money over time. Our team is here to guide you through this process and ensure you make informed decisions about your financial future. At First Community in Valley City (115 5Th Ave Ne), we're committed to providing personalized service and tailored solutions to meet your needs. If you have any questions or would like to explore our loan offerings further, please don't hesitate to contact us at 701-845-4647. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you reach your financial goals!

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. This option is great for those looking to consolidate debt or make everyday purchases without worrying about high-interest rates.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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), ensuring fair and transparent offers. This commitment to accuracy means that users can trust they are viewing legitimate loan options without hidden agendas.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Get in Touch!

Operating Hours

Services Available

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Services

Convenient Digital Banking Features

Personal Banking Solutions

Why Choose First Community?

Digital & Online Banking

Key Services

Security and User-Friendliness

Financial Strength

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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