First Federal Credit Union
Headquarters
1035 N Center Point Rd
Hiawatha, IA 52233
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2024 Overview
General Credit Union Information
First is an NCUA insured institution located in Hiawatha, IA. It was founded in 1926 and has approximately $196.92 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24673 |
| Date Established | 1926 |
| Assets | $196.92 million |
| Loans | $159.06 million |
| Deposits | $155.83 million |
| Capital | $15.58 million |
Field of Membership Restrictions
First Federal Credit Union was founded in 1926 and is chartered to serve everyone who lives, works or worships in Linn County, Iowa.
Deposit Rates - October 31, 2024
Your Current Location: Arkansas, AR 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.75% | $10,000 | $14,999 |
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|
|
Money Market
|
0.75% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - October 31, 2024
Your Current Location: Arkansas, AR 10007
There are currently no loan rates available for First
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Arkansas 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.976% | 6.875% | 0.75 | $3,295 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 3029 |
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Featured - Arkansas Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to First
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Branches
Below are First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Wynne,Arkansas
First Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 468.22 | A | View Lobby Hours | |
| 468.22 | B | View Lobby Hours | |
| 473.35 | C | View Lobby Hours | |
| 473.35 | D | View Lobby Hours |
Climate Policy and Initiatives
FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| First | U.S. Average |
|---|---|
| 9.22% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, First had $1,318,696 in non-current loans and $162,194 in owned assets. To cover these potential losses it had $15,576,261 in net worth and $490,977 in loans loss reserves. That gives it a Texas Ratio of 9.22%.
Net Worth
| First | U.S. Average |
|---|---|
| 7.89% | 13.93% |
First FCU has a net worth of 7.89% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First
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