What are the current interest rates at First Community Credit Union Jamestown, ND?

Current rates for First Community Credit Union Jamestown, ND include: 12-Month CD: 4.50%

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First Community Credit Union Jamestown, ND

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First Community Credit Union Jamestown, ND Rates & Review November 2026

Q: What CD terms does First Community Credit Union Jamestown, ND offer?

First Community Credit Union Jamestown, ND CD rates are 4.00% APY for a 7 month CD, 4.50% APY for a 12 month CD, 4.15% APY for a 15 month CD and 4.30% APY for a 27 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Community Credit Union Jamestown, ND for its full lineup.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

First Community Credit Union Jamestown, ND's MyFirst Investment - 12 Month CD rates are at 4.50%, Maximizer Flex CD - 27 Month rates are at 4.30%, 15 Month Special CD rates are at 4.15%, 7 Month Special CD rates are at 4.00%. First Community Credit Union Jamestown, ND's checking rates are as high as 2.50%. First Community Credit Union Jamestown, ND's CD rates are 46% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Community Credit Union Jamestown, ND with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 10/29/2026.

First Community Credit Union Jamestown, ND 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 Community Credit Union Jamestown, ND? Share your experience about First Community Credit Union Jamestown, ND by leaving a review below, or read customer reviews before you decide to use First Community Credit Union Jamestown, ND.

Verified Healthy 2026 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

3.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Community Credit Union Jamestown, ND
Administrative Center

310 10th St SE
Jamestown, ND 58401-5555

https://www.myfccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Community Credit Union Jamestown, ND CD Rates

Product	Rate	APY	Term
MyFirst Investment - 12 Month CD	-	4.50%	12 Months
Min Deposit $250 Details Ages: 0-17; Maximum balance $10,000; Additional deposits of $250 or more allowed; One MyFirst Investment (CD) per child/member (per SSN); CD maturity tied to child's birthday and automatically renews until age 18; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Maximizer Flex CD - 27 Month	-	4.30%	27 months
Min Deposit $5,000 Min Balance $5,000 Details Footnote 1: APY effective as of 10/19/2026. Dividends compound quarterly. One-time rate bump during term. One additional deposit of at least $5,000 (not to exceed initial deposit). One penalty-free withdrawal of up to 50% of balance, maintaining $5,000 minimum. Not available for public funds. Early withdrawals subject to penalties. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
15 Month Special CD	-	4.15%	15 months
Min Deposit $1,000 Min Balance $1,000 Details Footnote 2: APY effective as of 10/19/2026. Limited-time offer. Minimum deposit $1,000, maximum $1,000,000. Not available for public funds. Penalty for early withdrawal. Dividends compound quarterly for terms greater than 12 months. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
7 Month Special CD	-	4.00%	7 months
Min Deposit $1,000 Min Balance $1,000 Details Footnote 2: APY effective as of 10/19/2026. Limited-time offer. Minimum deposit $1,000, maximum $1,000,000. Not available for public funds. Penalty for early withdrawal. Dividends compound at maturity for terms of 12 months or less. Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

First Community Credit Union Jamestown, ND Checking Rates

Product	Rate	APY	View More
Kasasa Cash Checking	2.47%	2.50%
Min Balance $0 Details Qualifications Required; Balance: 0 - $25,000; Base rate if qualifications not met: 0.02% rate / 0.02% APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

First Community Credit Union Jamestown, ND Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.74%
Details As Low As; Homepage promo card: "Home Equity Loans as low as 5.74% APR" Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 29, 20265.74%▲ from 5.49%* Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

First Community Credit Union Jamestown, ND Other Rates

Product	Rate	Points	APY/APR	Term	View More
Kasasa Saver Savings	0.25%	-	0.25%
Min Balance $0 Details Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Rates and APYs accurate as of 1/1/2021 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Community Credit Union Jamestown, ND’s Texas Ratio rose from 1.51% in Q3 2023 to 3.52% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	3.52%	5.0	A+
March 31, 2026	$1.5B	2.68%	5.0	A+
December 31, 2025	$1.5B	3.09%	5.0	A+
September 30, 2025	$1.5B	4.92%	5.0	A+
June 30, 2025	$1.5B	2.78%	5.0	A+
March 31, 2025	$1.3B	1.52%	5.0	A+
December 31, 2024	$1.3B	1.67%	5.0	A+
September 30, 2024	$1.3B	2.51%	5.0	A+
June 30, 2024	$1.4B	2.74%	5.0	A+
March 31, 2024	$1.3B	1.66%	5.0	A+
December 31, 2023	$1.3B	2.18%	5.0	A+
September 30, 2023	$1.3B	1.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Community Credit Union Jamestown, ND 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 Community Credit Union Jamestown, ND 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 Community Credit Union Jamestown, ND's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Community Credit Union Jamestown, ND

Website https://www.myfccu.com

Address 310 10th St SE, Jamestown, ND 58401-5555

Phone 701-252-0360

Fax

President Owen Olson

CEO Stephen Schmitz

Full-Time Employees 258

Part-Time Employees 16

Branch Locations 26

ATM Locations 22

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

3.52%

Return on Assets (ROA)

0.4236%

Return on Equity (ROE)

3.4340%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

1,526,917,027

Total Amount of Shares and Deposits

1,133,820,277

Total Shares and Deposits < 1 Year

1,111,824,461

Total Shares and Deposits 1 3 Years

19,461,880

Total Shares and Deposits > 3 Years

2,533,935

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

103,316,330

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

103,316,330

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

1,030,503,947

Total Interest Expense (Sum of items 6 8)

13,242,179

Share Certificates

9,663

Number of Accounts for Share Drafts

36,355

IRA KEOGH Accounts

1,494

Number of Accounts for Regular Shares

132,088

All other shares

1,008

Non Member Deposits

Money Market Shares

6,578

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

6,467,772

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)

3,234,754

Total Liabilities

1,353,617,068

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Community Credit Union Jamestown, ND earned the Verified Healthy badge

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Frequently Asked Questions About First Community Credit Union Jamestown, ND

Does First Community Credit Union Jamestown, ND offer CDs?

Yes. First Community Credit Union Jamestown, ND current CD rates include its MyFirst Investment - 12 Month CD at 4.50% APY, its Maximizer Flex CD - 27 Month at 4.30% APY and its 15 Month Special CD at 4.15% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from First Community Credit Union Jamestown, ND NCUA insured?

Yes. First Community Credit Union Jamestown, ND is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Community Credit Union Jamestown, ND?

The highest First Community Credit Union Jamestown, ND CD rate is its MyFirst Investment - 12 Month CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does First Community Credit Union Jamestown, ND offer?

First Community Credit Union Jamestown, ND CD rates are 4.00% APY for a 7 month CD, 4.50% APY for a 12 month CD, 4.15% APY for a 15 month CD and 4.30% APY for a 27 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Community Credit Union Jamestown, ND for its full lineup.

What is the highest checking rate at First Community Credit Union Jamestown, ND?

The highest First Community Credit Union Jamestown, ND checking rate is its Kasasa Cash Checking at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

How many branches does First Community Credit Union Jamestown, ND operate?

First Community Credit Union Jamestown, ND 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 Community Credit Union Jamestown, ND?

Yes, to access services at First Community Credit Union Jamestown, ND, 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 Community Credit Union Jamestown, ND 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 Community Credit Union Jamestown, ND provides members with tools to manage their accounts and build a solid financial history.

Does First Community Credit Union Jamestown, ND offer online and mobile banking?

Most modern institutions like First Community Credit Union Jamestown, ND 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.myfccu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Community Credit Union Jamestown, ND rates compare?

First Community Credit Union Jamestown, ND's CD rates are 46% higher than the MonitorBankRates national average, and it has an A+ health rating. First Community Credit Union Jamestown, ND's top rates are its MyFirst Investment - 12 Month CD at 4.50% APY and its Kasasa Cash Checking at 2.50% APY, verified by MonitorBankRates on October 29, 2026.

Current First Community Credit Union Jamestown, ND Rates

12-Month CD4.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Community Credit Union Jamestown, ND Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Community Credit Union Jamestown, ND Texas Ratio

First Community Credit Union Jamestown, ND Health Trend

First Community Credit Union Jamestown, ND CD Rates

First Community Credit Union Jamestown, ND Checking Rates

First Community Credit Union Jamestown, ND Home Equity & HELOC

First Community Credit Union Jamestown, ND Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Community Credit Union Jamestown, ND earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Community Credit Union Jamestown, ND

Does First Community Credit Union Jamestown, ND offer CDs?

Are CDs from First Community Credit Union Jamestown, ND NCUA insured?

What is the highest CD rate at First Community Credit Union Jamestown, ND?

What CD terms does First Community Credit Union Jamestown, ND offer?

What is the highest checking rate at First Community Credit Union Jamestown, ND?

How many branches does First Community Credit Union Jamestown, ND operate?

Is a member application needed to join First Community Credit Union Jamestown, ND?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Community Credit Union Jamestown, ND offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Community Credit Union Jamestown, ND rates compare?

Current First Community Credit Union Jamestown, ND Rates

Compare to Other Credit Unions