Credit union · NCUA insured
First Community Credit Union
Top CarrotA $5B credit union, the 91st largest of 4,329, headquartered in Chesterfield, MO, with 347,799 members and 42 branches in 2 states. Best rates: CDs 4.00% and savings 2.30% APY.
First Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Community Credit Union
First Community Credit Union is a member-owned cooperative financial institution serving members since 1934.
The state-chartered credit union serves St. Louis County, St. Louis City, Franklin, Jefferson, St. Charles, and Warren counties in Missouri, along with Madison, Monroe, and St. Clair counties in Illinois.
- Headquarters
- 17151 Chesterfield Airport Rd, Chesterfield, MO 63005-1411
- NCUA charter
- 67619
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to businesses, government entities, individuals, household members, and immediate family who reside or work in specified Missouri and Illinois counties.
Employers and groups
- Membership is open to employees and retirees (and their household/immediate family members) of a company or association within the credit union's field of membership.
Family and household
- Immediate family members and household members of eligible individuals qualify for membership.
Branches
42 branches in 2 states
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Missouri
35 branches
- Chesterfield ValleyMain office17151 Chesterfield Airport Rd, Chesterfield, MO 63005Directions
- Arnold1722 Missouri State Rd, Arnold, MO 63010Directions
- Arnold Walmart2201 Michigan Ave, Arnold, MO 63010Directions
- Bridgeton11944 Paul Mayer Ave, Bridgeton, MO 63044Directions
- Cottleville4570 Mid Rivers Mall Dr, Cottleville, MO 63376Directions
- Creve Coeur10950 Olive Blvd, Creve Coeur, MO 63141Directions
- Ellisville15715 Manchester Rd, Ellisville, MO 63011Directions
- Eureka131 Eureka Towne Center Dr, Eureka, MO 63025Directions
- Fenton102 Kate G Ln, Fenton, MO 63026Directions
- Festus650 S Truman Blvd, Festus, MO 63028Directions
- Florissant3390 N Highway 67, Florissant, MO 63033Directions
- Howdershell495 Howdershell Road, Florissant, MO 63031Directions
- North County8417 N Lindbergh Blvd, Florissant, MO 63031Directions
- High Ridge2700 Ridge Point Dr, High Ridge, MO 63049Directions
- Kirkwood10357 Manchester Rd, Kirkwood, MO 63122Directions
- Lake St. Louis6100 Ronald Reagan Dr, Lake St. Louis, MO 63367Directions
- Manchester201 Highlands Boulevard Dr, Manchester, MO 63011Directions
- Maplewood1900 Maplewood Commons Dr, Maplewood, MO 63143Directions
- O Fallon Walmart1307 Highway K, O'Fallon, MO 63366Directions
- OFallon3440 Highway K, O'Fallon, MO 63368Directions
- WingHaven771 Caledonia Parkway, O'Fallon, MO 63368Directions
- Galleria1070 S Brentwood Blvd, Richmond Heights, MO 63117Directions
- Saint Charles2651 Old Muegge Rd, St. Charles, MO 63303Directions
- Zumbehl2897 Veterans Memorial Pkwy, St. Charles, MO 63303Directions
- Crestwood9550 Watson Rd, St. Louis, MO 63126Directions
- Oakville4527 Telegraph Rd, St. Louis, MO 63129Directions
- South County Shared4566 Lemay Ferry Rd, St. Louis, MO 63129Directions
- St. Louis Hills4249 Watson Rd, St. Louis, MO 63109Directions
- Sunset Hills3887 S Lindbergh Blvd, St. Louis, MO 63127Directions
- Tesson Ferry12855 Tesson Ferry Rd, St. Louis, MO 63128Directions
- Jungermann1661 Jungermann Rd, St. Peters, MO 63304Directions
- Warrenton500 Warren County Ctr, Warrenton, MO 63383Directions
- Washington1701 A Roy Dr, Washington, MO 63090Directions
- Wentzville1000 Parkway Ridge Blvd, Wentzville, MO 63385Directions
- Wentzville Walmart1971 Wentzville Pkwy, Wentzville, MO 63385Directions
Illinois
7 branches
- Belleville2601 Green Mount Commons Dr, Belleville, IL 62221Directions
- Collinsville1040 Collinsville Crossing Blvd, Collinsville, IL 62234Directions
- Fairview Heights801 Lincoln Hwy, Fairview Heights, IL 62208Directions
- Glen Carbon2120 S State Route 157, Glen Carbon, IL 62034Directions
- Glen Carbon Walmart400 Junction Dr, Glen Carbon, IL 62034Directions
- Granite City379 W Pontoon Rd, Granite City, IL 62040Directions
- Waterloo971 N Illinois Route 3, Waterloo, IL 62298Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.62% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.97% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $74 | $88 | — |
- CapitalNet worth ratio8.62%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$74Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.