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1st Community Credit Union Rates & Review June 2026

Item: 1st Community Credit Union
Rating: 5515
Author: Irrf

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 28, 2026

You can compare 1st Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.52%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 0.15%. Savings rates are at 0.25% and money market rates are at 0.12%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to 1st Community Credit Union rates. MonitorBankRates evaluates the financial stability of 1st Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.67%. Rates were last updated on 06/28/2026.

1st Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Community Credit Union? Share your experience about 1st Community Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Community Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.67%

Excellent Lower than avg

1st Community Credit Union
1st CCU Sparta

1000 W Wisconsin St
Sparta, WI 54656 2230

https://www.1stccu.com

Current Rate Availability

We do not have 1st Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 1st Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 1st Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Community Credit Union

Website https://www.1stccu.com

Address 1000 W Wisconsin St, Sparta, WI 54656 2230

Phone 608-269-8121

Fax 608-269-1074

President Wendy Whitehead

CEO Brad Bauges

Full-Time Employees 49

Part-Time Employees 5

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.67%

Return on Assets (ROA)

0.8951%

Return on Equity (ROE)

9.1186%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

270,883,751

Total Amount of Shares and Deposits

240,327,551

Total Shares and Deposits < 1 Year

232,316,845

Total Shares and Deposits 1 3 Years

5,240,023

Total Shares and Deposits > 3 Years

2,770,683

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,221,606

Total Uninsured Shares and Deposits > $250K (F+J)

10,221,606

Total Insured Shares and Deposits > $250K (item 17 less item K)

230,105,945

Total Interest Expense (Sum of items 6 8)

3,494,101

Share Certificates

2,756

Number of Accounts for Share Drafts

10,356

IRA KEOGH Accounts

975

Number of Accounts for Regular Shares

20,774

Money Market Shares

761

Net Income (unless the amount is already included in Undivided Earnings)

2,424,753

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,620,151

Total Liabilities

244,995,911

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

1st Community Credit Union earned the Verified Strong badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Irrf

★★★★★

December 17, 2025

PUvn

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Want to discuss 1st Community Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for 1st Community Credit Union

Frequently Asked Questions About 1st Community Credit Union

How many branches does 1st Community Credit Union operate?

1st Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 1st Community Credit Union?

Yes, to access services at 1st Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 1st Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Community Credit Union offer online and mobile banking?

Most modern institutions like 1st Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stccu.com.