First Care Federal Credit Union

Headquarters

109 Highland Ave Sw
Roanoke, VA 24016
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

First Care is an NCUA insured institution located in Roanoke, VA. It was founded in 1976 and has approximately $6.08 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 22322
Date Established	1976
Assets	$6.08 million
Loans	$3.23 million
Deposits	$5.04 million
Capital	$1.01 million

Deposit Rates - April 19, 2025

Your Current Location: New York, NY 10007

We do not yet have rates for First Care

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Loan Rates - April 19, 2025

Your Current Location: New York, NY 10007

There are currently no loan rates available for First Care

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.402%	6.250%	1.00	$5,150	$1,971	Learn More
NMLS ID: 401822	6.782%	6.625%	1.00	$5,195	$2,049	Learn More
NMLS ID: 3030	7.602%	7.500%	1.00	$3,200	$2,238	Learn More
NMLS ID: 401822						Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Reliant Home Funding, Inc See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed

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Branches

Below are First Care 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:
Depew,New York

First Care Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
109 Highland Ave SW	395.26	A	View Lobby Hours

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Climate Policy and Initiatives

FIRST CARE 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 Care Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Care. 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 Care	U.S. Average
19.19%	7.07

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 December 31, 2024, First Care had $195,909 in non-current loans and $5,800 in owned assets. To cover these potential losses it had $1,006,949 in net worth and $44,238 in loans loss reserves. That gives it a Texas Ratio of 19.19%.

Net Worth

First Care	U.S. Average
16.56%	14.25%

First Care FCU has a net worth of 16.56% versus the BestCashCow average of 14.25. 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 Care

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