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First Community Credit Union Jamestown, ND

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

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: September 23, 2026

First Community Credit Union Jamestown, ND rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First Community Credit Union Jamestown, ND, and you can see how they compare in the First Community Credit Union Jamestown, ND rate tables below. 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 2.68%. Database rates last updated and verified on 09/23/2026.

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: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.68%

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

First Community Credit Union Jamestown, ND Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.49%
Details As Low As; * Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

First Community Credit Union Jamestown, ND Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	2.47%	-	2.50%
Details Balance: 0 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kasasa Cash Checking	0.02%	-	0.02%
Details All balances if qualifications not met Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kasasa Cash Checking	-	-	0.02%
Min Deposit $0 Min Balance $0 Details When qualifications aren't met, all balances earn 0.02% APY and ATM fees are not refunded. APYs accurate as of 9/4/2025. Rates may change after account is opened. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kasasa Saver Savings	0.25%	-	0.25%
Min Balance $0 Details Balance: 0 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kasasa Saver Savings	0.15%	-	0.25%
Min Balance $25,000 Details Published APY range: 0.25% to 0.17%. Balance: $25,000+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

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 1.71% in Q2 2023 to 2.68% in Q1 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
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+
June 30, 2023	$1.2B	1.71%	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 252

Part-Time Employees 18

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+ (99/100)

Texas Ratio

2.68%

Return on Assets (ROA)

0.1784%

Return on Equity (ROE)

1.4762%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

1,527,774,861

Total Amount of Shares and Deposits

1,148,661,572

Total Shares and Deposits < 1 Year

1,133,731,298

Total Shares and Deposits 1 3 Years

12,383,723

Total Shares and Deposits > 3 Years

2,546,552

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

124,717,658

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

124,717,658

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

1,023,943,914

Total Interest Expense (Sum of items 6 8)

6,427,752

Share Certificates

9,794

Number of Accounts for Share Drafts

36,189

IRA KEOGH Accounts

1,522

Number of Accounts for Regular Shares

131,906

All other shares

1,050

Non Member Deposits

Money Market Shares

6,192

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

2,725,044

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)

53,514,990

Total Liabilities

1,357,190,098

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

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

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Community Credit Union Jamestown, ND

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.