First Community Credit Union
Quick Summary
- HSA savings account
The Verdict
First Community Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
First Community is the largest credit union in Missouri and among the Top 10 financial institutions in the region. Our membership continues to grow as we fulfill our mission to provide quality products and affordable financial services; as we’ve done for over 85 years.
We are a cooperative, owned and operated by our members. Our members put their money in a variety of savings accounts, and in turn, that money is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of competitive dividends and comprehensive financial services. This is what distinguishes us from other financial institutions.
We have nearly 4 billion in assets with over 390,000 members, serving all of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe, and St. Clair.
Key Features
Banking & Access
Includes debit card, online banking and check-writing.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $1 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
First Community Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $25+ | 3.10% |
Last updated: 02-13-2025
Contact Information
Address
17151 Chesterfield Airport Road Chesterfield, MO 63005 Customer Service Mailing Address First Community Credit Union P.O. Box 1030 Chesterfield, MO 63006 Attention: Information Center
Customer Service
800-767-8880
17151 Chesterfield Airport Road Chesterfield, MO 63005 Customer Service Mailing Address First Community Credit Union P.O. Box 1030 Chesterfield, MO 63006 Attention: Information Center
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
- •Competitive APY up to 3.10%
The Bad
- •No investment options available
User Sentiment
Based on community feedback
Sentiment data coming soon
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