What are the current interest rates at First Community Credit Union Coquille, OR?

Current rates for First Community Credit Union Coquille, OR include: 12-Month CD: 3.85%

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First Community Credit Union Coquille, OR

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First Community Credit Union Coquille, OR Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Community Credit Union Coquille, OR 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 10, 2026

First Community Credit Union Coquille, OR's top rates as of October 10, 2026 are 3.85% APY on its 13-Month CD of Deposit, 6.75% on its Land Only 5/5 ARM Loan mortgage, and auto loans from 4.49% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of First Community Credit Union Coquille, OR with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Community Credit Union Coquille, OR
Coquille

200 N Adams St
Coquille, OR 97423-1804

https://www.myfirstccu.org

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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 Coquille, OR CD Rates

Product	Rate	APY	Term	View More
13-Month Certificate of Deposit	-	3.85%	13-Month
Min Deposit $25,000 Details New money required Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

First Community Credit Union Coquille, OR Mortgage Rates

Product	Rate	Points	APR	Term	View More
Land Only 5/5 ARM Loan	6.75%	-	6.959%
Details Rates as low as 6.750 %; 6.959 % APR; Competitive rates; 20% down for improved land; 35% down for unimproved land Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.53% → 6.96% ▲ 0.42 pts · high 6.96% / low 6.53% Sep 27, 20266.96%▲ from 6.81% Sep 22, 20266.81%▲ from 6.59% Sep 18, 20266.59%▲ from 6.53% Sep 14, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

First Community Credit Union Coquille, OR Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto loans	-	-	4.49%
Details Car shopping? Be prepared Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 10, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

First Community Credit Union Coquille, OR Other Rates

Product	Rate	Points	APY/APR	Term	View More
Construction Loan	7.375%	-	7.375%
Details Rates as low as 7.375 %; 7.534 % APR; One-time closing fee; Competitive rates; Lifetime servicing guarantee Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.88% → 7.38% ▲ 0.50 pts · high 7.50% / low 6.88% Oct 10, 20267.38%▼ from 7.50% Oct 2, 20267.50%▲ from 7.25% Sep 27, 20267.25%▲ from 7.00% Sep 18, 20267.00%▲ from 6.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

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 Coquille, OR’s Texas Ratio stayed near 0.42% in Q3 2023 to 0.21% 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	$1.9B	0.21%	5.0	A+
March 31, 2026	$1.8B	0.28%	5.0	A+
December 31, 2025	$1.7B	0.34%	5.0	A+
September 30, 2025	$1.7B	0.25%	5.0	A+
June 30, 2025	$1.7B	0.31%	5.0	A+
March 31, 2025	$1.7B	0.31%	5.0	A+
December 31, 2024	$1.7B	0.38%	5.0	A+
September 30, 2024	$1.7B	0.41%	5.0	A+
June 30, 2024	$1.7B	0.24%	5.0	A+
March 31, 2024	$1.7B	0.29%	5.0	A+
December 31, 2023	$1.7B	0.84%	5.0	A+
September 30, 2023	$1.7B	0.42%	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 Coquille, OR 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 Coquille, OR 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 Coquille, OR's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Community Credit Union Coquille, OR

Website https://www.myfirstccu.org

Address 200 N Adams St, Coquille, OR 97423-1804

Phone 541-396-2145

Fax 541-396-3041

President Brian Menefee

CEO David Elmer

Full-Time Employees 380

Part-Time Employees 6

Branch Locations 29

ATM Locations 29

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.21%

Return on Assets (ROA)

0.6549%

Return on Equity (ROE)

5.2196%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

1,893,768,613

Total Amount of Shares and Deposits

1,613,338,096

Total Shares and Deposits < 1 Year

1,598,573,244

Total Shares and Deposits 1 3 Years

12,627,511

Total Shares and Deposits > 3 Years

2,137,341

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

100,919,994

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

100,919,994

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

1,512,418,102

Total Interest Expense (Sum of items 6 8)

4,459,519

Share Certificates

4,460

Number of Accounts for Share Drafts

72,887

IRA KEOGH Accounts

3,049

Number of Accounts for Regular Shares

105,962

All other shares

2,674

Money Market Shares

3,348

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)

203,473,414

Total Liabilities

1,660,839,886

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Community Credit Union Coquille, OR 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-rates-review-68530">
  <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.

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Frequently Asked Questions About First Community Credit Union Coquille, OR

How many branches does First Community Credit Union Coquille, OR operate?

First Community Credit Union Coquille, OR 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 Coquille, OR?

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

Does First Community Credit Union Coquille, OR offer online and mobile banking?

Most modern institutions like First Community Credit Union Coquille, OR 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.myfirstccu.org.