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"Providing First Class Service Since 1925"
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March 2022
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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. Qualified refinanced loans include autos, motorcycles, 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.
Share your First Class Community Credit Union story with us!
Understanding Mortgage Rates
 
Even though mortgage rates have increased slightly, they are still historically low. So we encourage you to take advantage of these great rates soon since we don’t know what the weeks and months to come will bring. 

First Class Access allows you to refinance or apply for a new mortgage loan virtually using online or telephone loan applications. If you are not quite ready to complete the application, consider scheduling a virtual loan appointment so you can get the answers to the questions you have from a trusted and knowledgeable member of our lending team.  
IRA Investment
 
Whether you're just beginning your career or approaching retirement, it's never too early or too late to start saving with an IRA. But, first, you need to learn the difference between a Roth and a Traditional IRA:  
ROTH IRA
 
  • You may qualify for a tax credit* when you contribute.
  • You can withdraw Roth IRA contributions at any time, tax and penalty-free.
  • Any earnings are tax-deferred.
  • If you satisfy the qualified distribution requirements, you can withdraw the earnings tax-free.
  • You're never required to take money out of your Roth IRA, no matter your age.
Traditional IRA
 
  • You may qualify for a tax credit* when you contribute.
  • Any earnings are tax-deferred.
  • If your contributions are tax-deductible, you do not pay taxes on them until you withdraw the money.
  • Any after-tax amounts (nondeductible contributions) can be withdrawn tax and penalty-free.
Contribution limits for 2021 are $6,000 and $7,000 if the owner is age 50 or older. Taxpayers have until Friday, April 15th, 2022, to make an IRA contribution for 2021.
IRA
*Please visit IRS.gov for up-to-date information on the IRA contribution deadlines. The earnings on a Roth IRA would be subject to penalty if you have not obtained the age of 59 ½ and the 5-year rule has been met.
Share Draft Line of Credit

Did you know that a Share Draft Line of Credit can help you with overdrafts? Yes!

A Share Draft Line of Credit is an all-purpose loan that can also serve as overdraft protection on your checking account for a minimal fee. It is a fixed interest rate line of credit where the rate will not increase while the plan is open. The line is good for a three-year draw period with a three-year payback term.

Please apply online or contact a loan officer if you would like to learn more.
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Notify Us

Changes - If you recently moved, changed your phone number or address, or dropped your landline phone, please be sure to update your contact information. Simply log into Online Banking to update your mailing address, email address, or telephone number.

Travel - Please notify us of your travel plans so that you do not experience any interruptions when using your debit card.
Mark Your Calendar

Monday, May 30th - Closed for Memorial Day

Monday, June 20th - Closed for Juneteenth Day

Monday, July 4th - Closed for Independence 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.