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First Community Credit Union of Beloit Credit Union

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

Q: What are the current interest rates at First Community Credit Union of Beloit Credit Union?

Current rates for First Community Credit Union of Beloit Credit Union include: MMA: 2.85%

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

First Community Credit Union of Beloit Credit Union's money market rates are at 2.85%. First Community Credit Union of Beloit Credit Union's Auto Loan Rates are as low as 18.99%. 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 5.23%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.23%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

First Community Credit Union of Beloit Credit Union
Main Office

1702 Park Ave
Beloit, WI 53511

https://www.firstccu.com

First Community Credit Union of Beloit Credit Union Money Market Rates

Product	Rate	APY	View More
Prosper Max Money Market Account	-	2.85%
Details Tiered dividend rates reward higher balances, and you can still access your money whenever you need it. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

First Community Credit Union of Beloit Credit Union Checking Rates

Product	Rate	APY	View More
Legacy Checking	-	0.50%
Min Deposit $25 Details 50+; Monthly Service Fee Waived for the first SIX months!; Free Online Banking & Mobile Check Deposit; Earns Dividends Yes; Monthly ATM Refunds; Cell Phone & Tablet Protection; Loan Discounts; NSF Refund Benefit; Skip-a-Pay Eligibility; Get Paid 2 Days Early; No Minimum Balance; Free Checks; Monthly ATM Refund; Cell Phone & Tablet Protection; Loan Discounts; Skip-a-Pay Eligibility; First Community Credit Union is member-owned, so we focus on keeping checking simple, affordable, and service-first-without the runaround. Legacy Checking may be a better fit if you keep a higher average balance and want dividend-earning checking plus added value like checks, cashier's checks, ATM refunds, paper statements, CD bonus opportunities, and early direct deposit access. Some FirstCCU checking benefits depend on the account type and whether qualifications are met. Perks may include ATM fee refunds, early direct deposit access, cell phone and tablet protection, loan discounts, Skip-a-Pay eligibility, check benefits, dividend-earning options, or CD bonus opportunities. Review the account comparison chart and disclosures to see which benefits apply to each checking account. Legacy Checking is designed for members over 50, who keep a higher average balance and want dividend-earning potential, CD bonus opportunities, free checks, cashier's checks, ATM refunds, paper statements, and early direct deposit access. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

First Community Credit Union of Beloit Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Current Auto Loan at Other Lender	-	-	18.99%	84 months
Details Refinance opportunity Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

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 of Beloit Credit Union’s Texas Ratio rose from 2.42% in Q2 2023 to 5.23% in Q1 2026, so its financial health has weakened 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
March 31, 2026	$421M	5.23%	5.0	A+
December 31, 2025	$413M	5.39%	5.0	A+
September 30, 2025	$397M	4.23%	5.0	A+
June 30, 2025	$389M	5.71%	5.0	A+
March 31, 2025	$384M	4.56%	5.0	A+
December 31, 2024	$373M	4.90%	5.0	A+
September 30, 2024	$369M	3.05%	5.0	A+
June 30, 2024	$350M	2.54%	5.0	A+
March 31, 2024	$331M	2.58%	5.0	A+
December 31, 2023	$317M	2.58%	5.0	A+
September 30, 2023	$305M	2.41%	5.0	A+
June 30, 2023	$279M	2.42%	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 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 87

Part-Time Employees 34

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

5.23%

Return on Assets (ROA)

0.1992%

Return on Equity (ROE)

1.9574%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

421,254,036

Total Amount of Shares and Deposits

359,948,923

Total Shares and Deposits < 1 Year

344,136,102

Total Shares and Deposits 1 3 Years

15,472,411

Total Shares and Deposits > 3 Years

340,410

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

52,242,604

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

60,182,425

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

299,766,498

Total Interest Expense (Sum of items 6 8)

2,515,854

Share Certificates

1,534

Number of Accounts for Share Drafts

9,633

IRA KEOGH Accounts

328

Number of Accounts for Regular Shares

27,704

All other shares

Non Member Deposits

Money Market Shares

514

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

838,994

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)

42,227,840

Total Liabilities

378,969,119

Source: NCUA — Last Updated 03/31/2026

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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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.

Current First Community Credit Union of Beloit Credit Union Rates

MMA2.85%

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

Compare to Other Credit Unions

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

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Community Credit Union of Beloit Credit Union Texas Ratio

First Community Credit Union of Beloit Credit Union Health Trend

First Community Credit Union of Beloit Credit Union Money Market Rates

First Community Credit Union of Beloit Credit Union Checking Rates

First Community Credit Union of Beloit Credit Union Auto Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

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

Customer Reviews

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?

Is a member application needed to join First Community Credit Union of Beloit Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current First Community Credit Union of Beloit Credit Union Rates

Compare to Other Credit Unions