"Providing First Class Service Since 1925"
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November 2020
PUNT YOUR PAYMENT TO 2021 BY REFINANCING*
YOUR LOAN FROM ANOTHER LENDER!

$100 Holiday Cash
Up to 90 days NO PAYMENTS***
Rates as low as 2.50% APR**


You’ll love CREDIT UNION-ING with us!
*Qualified refinanced loans include auto, motorcycle, campers/trailers, and recreational vehicles. **APR = Annual Percentage Rate. APR for auto loans is a fixed rate and will not increase during the loan term. All loans subject to approval. Terms of repayment. Example: $20,000 auto loan with a term of 60 months at 2.50% APR would have a monthly payment of $354.98. Participation in FCCCU’s Rewards Program required to achieve 2.50% APR. Federally insured by the NCUA. Equal Housing Opportunity. Current loans with FCCCU do not qualify for the refinance promotion of $100 cash or up to 90 days no payments. ***Loans approved under the First Class Acceptance program will not be eligible for 90 days no payments.
*APR = Annual Percentage Rate. APR for auto loans is a fixed rate and will not increase during the loan term. All loans subject to approval. Terms of repayment. Example: $20,000 auto loan with a term of 60 months at 2.50% APR would have a monthly payment of $354.98. Participation in FCCCU’s Rewards Program required to achieve 2.50% APR. Federally insured by the NCUA. Equal Housing Opportunity. Current loans with FCCCU do not qualify for the refinance promotion of $100 cash or 60 days no payments.
Virtual Annual Meeting

Did you miss the 95th Virtual Annual Meeting of YOUR credit union? Watch the recorded version below.
Congratulations to incumbents Lance Coles, Carol Cowling, Craig Doster, and Larry Moore, all of whom were elected to the Board of Directors at the Virtual Annual Meeting!
We have a loan type and term to fit just about every situation. We make the process simple!

If you would like to learn more about homeownership, please take advantage of all the resources our BALANCE financial education program offers.  
Gift Cards

Do you have someone on your holiday shopping list who's impossible to buy for? Don't worry; we have the perfect gift for anyone on your list! Prepaid Gift Cards!

$0* purchase fee for Level Up Rewards members who are Planner & Achiever levels.

Please contact the credit union today to order and arrange drive-thru pick up of your Prepaid Gift Cards.
*$2 for members and $5 for non-members. Rewards program discounts and quantities may apply.
Fraud Alerts

Now is the time to set transaction alerts to protect yourself from fraud this holiday season. We offer you the tools to set fraud alerts for your checking account, debit card, and credit card.

Checking Account Alerts: Set-up email alerts on your checking account for specific dollar amounts when money is withdrawn, a check has cleared, an ATM withdrawal or debit transaction occurs. Log into Online Banking to set-up your alerts.

Debit Card Alerts: Real-time debit card text message alerts will be sent straight to your mobile phone. You can then review all transactions and simply reply to confirm whether or not you recognize the transaction. If fraud is suspected, your card will be blocked from further transactions until we hear from you. Enroll your debit card in fraud text alerts today.

Credit Card Alerts: Log into MyAccountAccess to set-up your credit card text or email alerts for credit card transactions such as:
  • ATM Transactions
  • Card Not Present
  • Credit Posted
  • Debit Posted
  • Declined Transactions
  • Gas Station Purchase
  • International Transactions

Please contact the credit union if you have any questions about setting up alerts.
Credit Card Rewards

Purchase everything you need for the holidays using a First Class Community CU rewards credit card and reward yourself after the holidays! We have three rewards credit cards for you to choose from:

Cash Rewards American Express Card
  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
  • 2% cash back on supermarket net purchases.
  • 1% cash back on other everyday net purchases.
  • No limit on total cash back that you can earn, and you have five years to redeem cash back.
  • $25 cash back reward bonus after first purchase.
  • Zero Fraud Liability


World Mastercard Real Rewards Card
  • Earn 1.5 points for every eligible net $1 you spend.
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.
  • 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Zero Fraud Liability


Premier Rewards American Express Card
  • 4 points per $1 spent on eligible net restaurant purchases.
  • 3 points per $1 spent on eligible net airline purchases.
  • 2 points for every $1 spent on eligible net gas station purchases.
  • 1 point for every $1 spent on all other eligible net purchases.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back).
  • Zero Fraud Liability
  • No Foreign Transaction Fees
Mark Your Calendar


Wednesday, November 11th - Closed for Veterans Day

Thursday, November 26th - Closed for Thanksgiving Day
Westown Office
2051 Westown Parkway
West Des Moines, IA 50265
515-224-4300
Euclid Office
303 Euclid Ave
Des Moines, IA 50313
515-224-4300
Federally Insured by the NCUA. | Equal Housing Opportunity.