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First Community Credit Union

Overview
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First Community Credit Union is a federally insured state credit union based in Jamestown, North Dakota. It has been opened since 1939, for 81 years.

With around $825,690,000 in assets, First Community Credit Union is considered to be a very large credit union. It has 28 branches and 20 ATM locations.

About
Address Po Box 2180
Jamestown, North Dakota 58402
Website https://www.myfccu.com
Phone (701) 252-0360
CEO Stephen Schmitz
President of the Board Owen Olson
Services Offered
Map
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Score Card
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81 years
Years in business
Opened in 1939
Well Capitalized
Net worth classification
Source: NCUA
43,990 members
Membership type: State chartered natural person credit union
Above average number of members
178:1
Credit union member to staff ratio
178 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$825,691,349
Total assets
Above average
28 branches
Compared with an average of 4 nationally and 3 in North Dakota
Above average number of branches
0.14%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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28 branches
Compared with an average of 4 nationally and 3 in North Dakota
Above average number of branches
First Community Credit Union Branch Locations

First Community Credit Union: Branch - Wahpeton
1601 Wheatland Road
Wahpeton, North Dakota 58075
ATM Available
First Community Credit Union: Branch - East Grand Forks
428 Bygland Road SE
East Grand Forks, Minnesota 56721
ATM Available
First Community Credit Union: Branch - Northwood
512 Washington Avenue
Northwood, North Dakota 58267
ATM Available
First Community Credit Union: Branch - Larimore
217 Towner Avenue
Larimore, North Dakota 58251
ATM Available
First Community Credit Union: Branch - Grand Forks 32nd
3351 32nd Avenue S.
Grand Forks, North Dakota 58201
ATM Available
First Community Credit Union: Branch - Grand Forks 42nd
1215 North 42nd Street
Grand Forks, North Dakota 58203
ATM Available
First Community Credit Union: Branch - Devils Lake
1117 Highway 2 E.
Devils Lake, North Dakota 58301
ATM Available
First Community Credit Union: Branch - Fargo 52nd
5201 42nd Street S.
Fargo, North Dakota 58104
ATM Available
First Community Credit Union: Branch - Fargo Northland
1404 12th Avenue North
Fargo, North Dakota 58102
ATM Available
First Community Credit Union: Branch - Portland
213 Parke Avenue
Portland, North Dakota 58274
ATM Available
First Community Credit Union: Branch - Steele
202 Mitchell Avenue North
Steele, North Dakota 58482
No ATM
First Community Credit Union: Branch - Valley City
115 5th Avenue NE
Valley City, North Dakota 58072
ATM Available
First Community Credit Union: Branch - Oakes
103 North 7th Street
Oakes, North Dakota 58474
ATM Available
First Community Credit Union: Branch - Hankinson
334 Main Avenue S.
Hankinson, North Dakota 58041
ATM Available
First Community Credit Union: Branch - Fargo
4521 19th Avenue S.
Fargo, North Dakota 58103
ATM Available
First Community Credit Union: Branch - Bismarck Downtown
425 North 5th Street
Bismarck, North Dakota 58501
ATM Available
First Community Credit Union: Branch - Jamestown
111 9th Street SW
Jamestown, North Dakota 58401
ATM Available
First Community Credit Union: Branch - Street John
230 Foussard Avenue SW
St. John, North Dakota 58369
ATM Available
Members
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43,990 members
Membership type: State chartered natural person credit union
Above average number of members

With 43,990 members, the First Community Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees
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$94
Average fee per member
The average fee per member at the First Community Credit Union is $94, which is very high compared to most credit unions. This rate is higher than 82% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the First Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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178:1
Credit union member to staff ratio
178 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
247 staff members
FTE (full-time equivalent)
6% of employees are part-time
239 full-time, 16 part-time

First Community Credit Union has 239 full-time staff members and 16 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. First Community Credit Union has around 178 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$825,691,349
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$27,403
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 96% of credit unions.

First Community Credit Union holds a total of $680,500,000 in loans and leases, which is about $27,403 per member on average.

Savings interest rate
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0.14%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. First Community Credit Union pays 0.14%.

Loan rates
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.20%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.70%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.97%
New car loan rate
Compared to 4.0% nationally
6.10%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.76%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally