Credit union · NCUA insured
First Community Credit Union
Top CarrotA $1.5B credit union, the 318th largest of 4,329, headquartered in Jamestown, ND, with 46,705 members and 26 branches in 2 states. Best rates: CDs 4.30% APY.
First Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#5 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Community Credit Union
Established in 1939 as Farmers Union Federal Credit Union, the institution later changed its name to First Community Credit Union.
First Community Credit Union is a member-owned financial cooperative with 27 locations across North Dakota and western Minnesota.
- Headquarters
- 310 10th St SE, Jamestown, ND 58401-5555
- NCUA charter
- 60103
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside within a 75-mile radius of Jamestown, Devils Lake, Page or Portland, ND are eligible for membership.
- Persons who reside within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek, ND are eligible for membership.
- Persons who reside within a 40-mile radius of Bisbee and Larimore, ND are eligible for membership.
- Persons who reside in Marshall County, MN are eligible for membership.
- Persons who reside in Kittson County, MN to the extent Kittson County falls within a 75-mile radius of 2315 North Acres Dr., Crookston, MN are eligible for membership.
Family and household
- Immediate family of an existing member, even if outside the geographic boundary, may join.
Cost to join
- Opening an account requires an initial deposit of $5.
Branches
26 branches in 2 states
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North Dakota
23 branches
Fargo area · 5
- Branch - Fargo4521 19th Ave S, Fargo, ND 58103Directions
- Branch - Fargo 52nd5201 42nd St. S, Fargo, ND 58104Directions
- Branch - Fargo Northland1404 12th Ave N, Fargo, ND 58102Directions
- Branch - Kindred120 Spruce St, Kindred, ND 58051Directions
- Branch - Page115 Morton Ave, Page, ND 58064Directions
Bismarck area · 2
- Branch - Bismarck North3201 Weiss Ave, Bismarck, ND 58503Directions
- Branch - Mandan4614 Memorial Hwy, Mandan, ND 58554Directions
Grand Forks area · 2
- Branch - Grand Forks 32nd3351 32nd Ave S, Grand Forks, ND 58201Directions
- Branch - Larimore217 Towner Ave, Larimore, ND 58251Directions
Wahpeton area · 2
- Branch - Hankinson334 Main Ave S, Hankinson, ND 58041Directions
- Branch - Wahpeton1601 Wheatland Rd, Wahpeton, ND 58075Directions
Jamestown area · 2
- Branch - Jamestown111 9th St SW, Jamestown, ND 58401Directions
- Branch - Jamestown Buffalo Mall606 25th St SW, Jamestown, ND 58401Directions
Devils Lake area · 1
- Branch - Devils Lake1117 Highway 2 E, Devils Lake, ND 58301Directions
Lakota area · 1
- Branch - Lakota200 Main St N, Lakota, ND 58344Directions
Milnor area · 1
- Branch - Milnor302 5th Ave, Milnor, ND 58060Directions
Napoleon area · 1
- Branch - Napoleon97 Broadway, Napoleon, ND 58561Directions
Oakes area · 1
- Branch - Oakes103 N 7th St, Oakes, ND 58474Directions
Portland area · 1
- Branch - Portland213 Parke Ave, Portland, ND 58274Directions
St. John area · 1
- Branch - St John230 Foussard Ave SW, St. John, ND 58369Directions
Steele area · 1
- Branch - Steele220 Mitchell Ave N, Steele, ND 58482Directions
Valley City area · 1
- Branch - Valley City115 5th Ave NE, Valley City, ND 58072Directions
Wishek area · 1
- Branch - Wishek1307 Beaver Ave, Wishek, ND 58495Directions
Minnesota
3 branches
Grand Forks area · 2
- Branch - Crookston2315 Norh Acres Drive, Crookston, MN 56716Directions
- Branch - East Grand Forks428 Bygland Rd SE, East Grand Forks, MN 56721Directions
Fargo area · 1
- Branch - Moorhead2602 34th St S, Moorhead, MN 56560Directions
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 | 12.34% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.61% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.87% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalNet worth ratio12.34%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.61%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.87%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$100Peers’ 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.