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First Community Credit Union

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First Community Credit Union Rates & Review May 2026

Q: Is a member application needed to join First Community Credit Union?

Yes, to access services at First 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Credit Union 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: May 12, 2026

You can compare First Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 4.10% and 3-month share certificate rates at 0.10%. Savings rates are at 0.50% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to First Community Credit Union rates. MonitorBankRates evaluates the financial stability of First Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.72%. Rates were last updated on 05/12/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.72%

Excellent Lower than avg

First Community Credit Union
Chesterfield Valley

17151 Chesterfield Airport Rd
Chesterfield, MO 63005 1411

https://www.firstcommunity.com

First Community Credit Union Checking Rates

Product	Rate	APY	View More
First Rate Checking	-	3.51%
Details Qualifying balance up to $25,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name First Community Credit Union

Website https://www.firstcommunity.com

Address 17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411

Phone 636-537-4400

Fax

President Sharon Hudson

CEO Glenn Barks

Full-Time Employees 694

Part-Time Employees 16

Branch Locations 42

ATM Locations 45

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

3.72%

Return on Assets (ROA)

0.5581%

Return on Equity (ROE)

6.6721%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

4,777,120,271

Total Amount of Shares and Deposits

4,235,532,404

Total Shares and Deposits < 1 Year

3,943,197,555

Total Shares and Deposits 1 3 Years

248,700,980

Total Shares and Deposits > 3 Years

43,633,869

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

324,650,416

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

324,650,416

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

3,910,881,988

Total Interest Expense (Sum of items 6 8)

82,814,258

Share Certificates

33,540

Number of Accounts for Share Drafts

207,033

IRA KEOGH Accounts

7,594

Number of Accounts for Regular Shares

426,920

All other shares

3,581

Money Market Shares

40,254

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

390,891,824

Total Liabilities

4,436,081,430

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for First Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Community Credit Union

Frequently Asked Questions About First Community Credit Union

How many branches does First Community Credit Union operate?

First 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 Community Credit Union?

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

Does First Community Credit Union offer online and mobile banking?

Most modern institutions like First 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.firstcommunity.com.