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First Community Credit Union

Best ForHigh-Yield Cash Savers
FeesNone ($0 Maintenance)

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 TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

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 RangeAPY
$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

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)~3.10%
Debit CardIncluded
FDIC InsuredYes

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

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NegativeNeutralPositive

Sentiment data coming soon

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