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First Community Credit Union of Beloit Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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: October 9, 2026

First Community Credit Union of Beloit Credit Union's top rates as of October 9, 2026 are 0.50% APY on checking, and auto loans from 3.84% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of First Community Credit Union of Beloit Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.15%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.15%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
First Community Credit Union of Beloit Credit Union
Main Office
1702 Park Ave
Beloit, WI 53511
https://www.firstccu.com
Member NCUA
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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 of Beloit Credit Union Checking Rates

Product Rate APY View More
Legacy Checking - 0.50%
Min Deposit $25
Details 50+; Earns Dividends; Better CD Returns; Free Paper Statements; Free Checks; Free Cashier's Checks; Any ATM, No Worries; Get Paid 2 Days Early; No Minimum Balance
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.15%

First Community Credit Union of Beloit Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 3.84%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.84% APR · checked 2 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.15%
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.
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Financial Health History

First Community Credit Union of Beloit Credit Union’s Texas Ratio rose from 2.41% in Q3 2023 to 6.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.41% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 6.15% A Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$410M6.15%5.0A
March 31, 2026$421M5.23%5.0A+
December 31, 2025$413M5.39%5.0A+
September 30, 2025$397M4.23%5.0A+
June 30, 2025$389M5.71%5.0A+
March 31, 2025$384M4.56%5.0A+
December 31, 2024$373M4.90%5.0A+
September 30, 2024$369M3.05%5.0A+
June 30, 2024$350M2.54%5.0A+
March 31, 2024$331M2.58%5.0A+
December 31, 2023$317M2.58%5.0A+
September 30, 2023$305M2.41%5.0A+
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 of Beloit 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 of Beloit 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 of Beloit Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Community Credit Union of Beloit Credit Union
Website https://www.firstccu.com
Address 1702 Park Ave, Beloit, WI 53511
Phone 608-362-9077
Fax 608-362-0434
President Wayne Udulutch
CEO Jack Gill
Full-Time Employees 85
Part-Time Employees 29
Branch Locations 9
ATM Locations 8
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.15%
Return on Assets (ROA)
0.4638%
Return on Equity (ROE)
4.3318%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
410,236,669
Total Amount of Shares and Deposits
348,101,443
Total Shares and Deposits < 1 Year
331,098,184
Total Shares and Deposits 1 3 Years
16,894,604
Total Shares and Deposits > 3 Years
108,656
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,737,635
Total Uninsured Shares and Deposits > $250K (F+J)
61,921,739
Total Insured Shares and Deposits > $250K (item 17 less item K)
286,179,704
Total Interest Expense (Sum of items 6 8)
4,950,023
Share Certificates
1,530
Number of Accounts for Share Drafts
9,751
IRA KEOGH Accounts
309
Number of Accounts for Regular Shares
28,234
All other shares
43
Non Member Deposits
28
Money Market Shares
541
Net Income (unless the amount is already included in Undivided Earnings)
1,902,862
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)
22,145,064
Total Liabilities
366,887,884
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

First Community Credit Union of Beloit Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/first-community-credit-union-of-beloit-rates-review-67214">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First Community Credit Union of Beloit 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.
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Total Reviews
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Frequently Asked Questions About First Community Credit Union of Beloit Credit Union

How many branches does First Community Credit Union of Beloit Credit Union operate?

First Community Credit Union of Beloit 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 of Beloit Credit Union?

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

Does First Community Credit Union of Beloit Credit Union offer online and mobile banking?

Most modern institutions like First Community Credit Union of Beloit 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.firstccu.com.

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