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"Providing First Class Service Since 1925"
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January 2022
Have questions? Chat with a loan officer.

You'll love CREDIT UNIONING with us!
 *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 1.90% APR would have a monthly payment of $349.69. Federally insured by the NCUA. Equal Housing Opportunity. Qualified purchase transactions include auto, motorcycle, campers/trailers, and recreational vehicles. Promotion only qualifies for direct applications. Loans approved under the First Class Acceptance program will not be eligible for 90 days no payments.
Share your First Class Community Credit Union story with us!
Invite Friends,
Co-Workers & Family to Join

As a member-owner, you know there are countless benefits to being a First Class Community Credit Union member! We encourage you to invite your friends, co-workers, and family who live or work in the Iowa counties listed in yellow on the map to join YOUR credit union in 2022. Also, don’t forget that all state of Iowa postal employees are eligible to join! These are a few of the benefits all member-owners enjoy:
 
  • Low-interest rates for loans
  • Access to over 6,000 shared branching locations nationwide
  • Outstanding member service
  • Member ownership and control

Becoming a member of the oldest credit union in Iowa is easy with our new Online Membership Application.
Ready to Apply?

Have questions? Chat with a loan officer.
**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 1.90% APR would have a monthly payment of $349.69. Federally insured by the NCUA. Qualified refinanced loans include auto, motorcycle, campers/trailers, and recreational vehicles. 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.
Reminders for the New Year

 
Travel - Notify the credit union of travel plans so that you don't experience any interruptions when using your debit card.

Changes - Notify the credit union of any changes to your mailing address, email address, telephone number, or legal name.

Privacy Policy - Our Privacy Policy is located on our website.

IRA Contributions - Contributions can be made to IRAs through 4/15/22 for the 2021 tax year.

IRA's Fair Market Value - Members who have an IRA with us can determine your IRA’s Fair Market Value for income tax time by totaling your IRA account balances as of 12/31/21. That information can be found on your year-end statement, or by logging in to Online Banking.

Verify Account Information - Please verify the joint members and beneficiaries are correctly listed on your account(s). If you need to make changes, please contact the credit union.

1098 Tax Forms - 1098 forms will be mailed before the end of January to members who have a mortgage loan where at least $600 in interest was paid in 2021. Please note that forms are not sent for interest paid on any other loans.

1099 Tax Forms - 1099 forms will be mailed before the end of January to members who have earned more than $10 in interest over the past year on any checking, savings, or CD account. This information can also be found at the bottom of your December statement. See the example below.
Time To Pull Your Credit Report
 
We spend more freely during the holidays, and unfortunately, scammers also know this to be true. So, we recommend that you pull a copy of your free credit report each January and review it carefully. 
 
You're entitled to receive one free copy of your credit report annually from each of the three credit reporting agencies (Experian, Equifax, and TransUnion), so a total of three reports each year. You can pull a copy online at www.annualcreditreport.com. However, rather than pulling all three reports at once, we recommend pulling one of the reports every four months - January, April & September. This will help you keep a year-round eye on your credit report and catch potentially fraudulent activity sooner.
 
Please contact the credit union if you need help understanding your credit report, disputing inaccurate information, or counseling on ways to increase your credit score. 
 
Mark Your Calendar

Saturday, January 1st - Closed for New Year's Day

Monday, January 17th - Closed for Martin Luther King 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
Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at www.gofirstclass.org or we will mail you a free copy upon request if you call us at (800) 392-7122. 
Federally Insured by the NCUA. | Equal Housing Opportunity.