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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Class Community Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
First Class Community Credit Union's First Mortgage Loan rates are at 6.50%, First Mortgage Loan rates are at 6.88%. First Class Community Credit Union's Personal Loan Rates are as low as 8.49%. MonitorBankRates evaluates the financial stability of First Class Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.40%. Rates last updated and verified on 09/23/2026. First Class 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 First Class Community Credit Union? Share your experience about First Class Community Credit Union by leaving a review below, or read customer reviews before you decide to use First Class Community Credit Union. First Class Community Credit Union
First Class Community Credit Union 2051 Westown Pkwy
https://www.gofirstclass.org West Des Moines, IA 50265-1541 
First Class Community Credit Union Mortgage Rates
First Class Community Credit Union Home Equity & HELOC
First Class Community Credit Union Auto Loan Rates
First Class Community Credit Union Personal Loan Rates
Financial Health HistoryFirst Class Community Credit Union’s Texas Ratio fell from 5.97% in Q2 2023 to 1.40% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Class 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 First Class 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 First Class Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Class Community Credit Union
Website
https://www.gofirstclass.org
Address
2051 Westown Pkwy,
West Des Moines, IA 50265-1541
Phone
515-224-4300
Fax
515-224-4306
President
Gary Olson
CEO
Zac Pollock
Full-Time Employees
19
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.40%
Return on Assets (ROA)
0.2632%
Return on Equity (ROE)
2.5390%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
96,522,803
Total Amount of Shares and Deposits
86,099,055
Total Shares and Deposits < 1 Year
86,080,186
Total Shares and Deposits 1 3 Years
5,108
Total Shares and Deposits > 3 Years
13,761
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,366,080
Total Uninsured Shares and Deposits > $250K (F+J)
2,366,080
Total Insured Shares and Deposits > $250K (item 17 less item K)
83,732,975
Total Interest Expense (Sum of items 6 8)
69,751
Share Certificates
113
Number of Accounts for Share Drafts
4,983
IRA KEOGH Accounts
107
Number of Accounts for Regular Shares
7,816
All other shares
47
Money Market Shares
498
Net Income (unless the amount is already included in Undivided Earnings)
254,016
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,625,819
Total Liabilities
86,955,653
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About First Class Community Credit UnionHow many branches does First Class Community Credit Union operate?First Class 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 First Class Community Credit Union?Yes, to access services at First Class 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, First Class 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, First Class Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Class Community Credit Union offer online and mobile banking?Most modern institutions like First Class 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.gofirstclass.org. Compare to Other Credit Unions
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