For many people, the new year can result in new debt, and unfortunately it’s often piled on top of older debt. If each loan payment feels like another jab at your attempt to get ahead, it’s about time to fight back by kicking your finances into high gear with our Financial Fitness Loan!

We’ll help you crunch your high interest loans and credit cards into one monthly payment with a leaner, lower rate starting at 2.99% APR* and terms up to five years! Not only will you save money by lowering the amount of interest you pay on your loans, but our Financial Fitness Loan will also help restore a healthy new glow to your credit score.

The gloves are off! It’s time to get up and on your way to a financially fit new you. Apply online or at any of our branch locations today.

As an added benefit for our members we’ve partnered with local and national tax preparation companies to provide you with low- or no-cost tax preparation offers!

The Just file it! program, launching Jan. 17, 2012, is available to anyone in need of tax services no matter what their income level. Every year, this program helps thousands of Michigan residents file their taxes for free and take advantage of state and federal tax credits including the Earned Income Tax Credit (EITC).  All that is required to use the Just file it! program is a computer, Internet access, a Web browser and a printer. The program uses a free, Web-based software program, posing questions to users and offering assistance via online chats. It is offered in English, Spanish and Vietnamese. Last year 6,720 Michigan credit union filers received more than $13 million in tax refunds and credits. Click here to get started. 

TurboTax offers you Total Assurance™ – protection to feel 100% confident about your taxes:
• Maximum refund, guaranteed
• 100% Accurate calculations, guaranteed
• FREE downloadable Audit Support Center
Don’t miss out on this 10% discount on TurboTax Online Deluxe. Start for FREE now by clicking HERE – you don’t pay unless you are satisfied with the results.

If you prefer in-person tax assistance, you can save $30 on your individual income tax preparation at participating Jackson Hewitt Tax Service® locations nationwide. Let them estimate your refund. FREE!* Meet with one of their tax pros today to see what Jackson Hewitt can do for you. No appointment necessary. Plus, at Jackson Hewitt you’ll get:
• FREE Accuracy Guarantee with paid tax prep†
• FREE 24/7 return status alerts
• FREE electronic filing with paid tax prep
• Safe storage of your tax data from year to year once we prepare your tax return

Download your$30.00 Jackson Hewitt coupon then locate a Jackson Hewitt office near you! Coupon expires April 30, 2012.

First Community Federal Credit Union takes pride in supporting the educational goals of our members and their families. We believe education plays a critical role in the future strength of our community.  Our youth scholarship program is designed in a way to provide support to the student as well as the high school they are currently attending (Homeschooling MI for students who participate in home schooling), by providing a “Class of Excellence” award to the scholarship winners’ nominated High School Teacher to purchase necessary classroom supplies.  This teacher, in the opinion of their student, was an outstanding mentor providing guidance and leadership.

We are committed to building lifelong relationships with our members.  Giving back through the scholarship program is just one small way to keep that commitment. We will reinvest $21,000 into the educational growth of our members and area schools with (30) $500 youth scholarships and (30) $200 “Class of Excellence” teacher awards.

Not yet enrolled for 24 Hour Online Banking?  Simply contact us at (269) 382-9845 and we will sign you up to enjoy account access around the clock!

If you're already enrolled with 24 Hour Online Banking, our Member System Upgrade is now in place and you may click here to view and print a NEW First Net 24 Quick Guide that will walk you through the steps of resetting your account access login information (adobe acrobat reader required). Or, simply click here to take you directly to our New First Net 24 Online Banking.

Having difficulty logging in?  Visit our Frequently Asked Questions page for troubleshooting tips.

Upon initial login, you'll be asked for your Member ID, which is 'FC' followed by your account number (example - account 12345 = FC12345). 

Your initial login password is the last 4-digits of the primary account holder's social security number (password change required).

You'll additionally be asked to confirm your email address and set up multi-factor security authentication by selecting and answering three questions. Then, select a 'watermark' (security image) from our available gallery.  This watermark will display on each page within First Net 24.

Once you're able to re-establish your account access, view the easy navigational tools across the top of the screen to view account information, link to updated Online Bill Payment, view past statement history and more.  You can even select to sign up for mobile text or email alerts for balance and transaction information.  We look forward to bringing you Mobile Banking in early 2012.

Can you picture yourself Debt Free in less than 12 years? When you qualify for the Big Paydown mortgage accelerator loan, we can help you reach your debt-free goal on your terms! Just pick a repayment term up to 12 years that makes sense for you and we’ll give you the same low rate regardless of what you choose as your debt-free date. This special low-rate mortgage features no closing costs* along with zero points or application fee.

·   3.625% Fixed APR†

·   Available terms up to 12 years

·   No closing costs*

·   Zero points

·   No processing fee

·   No prepayment penalties

·   Combined Loan-to-Value – Maximum 60%

·   Debt-to-Income ratio – Maximum 40%

·   Credit Score – Minimum 680

·   Occupancy – Owner-occupied 1^st lien mortgages

†Annual Percentage Rate (APR) based on 80% loan-to-value or less on owner-occupied 1st lien mortgages. For example, if you borrow $50,000 for maximum term of 12 years at 3.625% APR, the monthly payment would be $428.72. Payments do not include amounts for tax and insurance premiums. Rate is valid as of November 8, 2011 and is subject to change. *Credit union pays closing costs unless an appraisal is required; borrower responsible for $350 appraisal fee prior to ordering if necessary. Normal underwriting guidelines apply. Property insurance is required. Flood insurance may be required. Federally insured by NCUA.

These days, we’re all hearing about big banks introducing fees to customers who choose to pay with their debit card … well why not EARN up to $5 each month when you actively pay with your First Community FCU MasterCard Check Card.

November 1 through January 31, we will be paying members who make at least 15 purchases each month.  You’ll earn $0.10 for each purchase (ATM transactions excluded) – up to $5.00 each month during this special promotional period.

But that’s not all – one $500 winner each week will be selected from all purchases made the previous week.  And ONE LUCKY WINNER will swipe their way to $5,000!*

Not yet a member?  Click here to learn about our highly rewarding Member Advantage Program.  Then, simply visit us at any area location to make the switch … we think you’ll agree that being a member of First Community FCU is one of the most rewarding ways to put yourself FIRST.

*See official rules; no purchase necessary for grand prize drawing.  Promotional period 11/1/2011 – 1/31/2012. POS purchases made with First Community FCU MasterCard Check Card qualify for monthly deposit up to $5.00 into savings when minimum 15 transactions made in month.  Account must be in good standing to qualify for incentives. Deposits NCUA insured to $250,000 per depositor.

With every dollar spent, you earn a point that really adds up … to 1% back in Gift Cards, Account Credits, Merchandise & More!**

Put yourself FIRST with a Visa® Platinum Credit Card from First Community FCU.  Pick the Card that’s Right for You … Fixed or Variable Rate, or Variable with Rewards.  In addition to a special low introductory offer as low as 3.99% APR on purchases and balance transfers made within the first six months of card issuance*, enjoy added peace of mind in having your credit card with someone you know and trust is working for you …

No Annual Fee
Same Low Rate on Purchases, Cash Advances & Transfers (during non promotional periods)
Travel, Merchandise, Event & Gift Card Rewards**
24 Hour Online Account Information & Payment Options
Zero Balance Transfer Fees, Annual Fee or Cash Advance Fees
Bonus Benefits
  Member Advantage Program rewards 
  Auto Rental Collision
  Roadside Dispatch Protection
  Member Identity Theft Coverage, up to $1,000
  Fraud Monitoring Protection

Just Point & Click …
Click here to begin the easy personal card application process Please contact us for business card application
Click here  to learn about our Platinum Advantage Points Rewards program (select “browse only” within the site)
Click here to link to 24 hour Visa Account Information 
Click here for Verified by Visa added online purchase protection

*Introductory Low Rate Offers - For the introductory six (6) months of card ownership, enjoy special lower rate pricing on purchases; for introductory one year on balance transfers made within introductory six (6) months of card issuance. Visa® Platinum – 3.99% APR, Visa® Platinum Fixed or Variable with Advantage Points – 4.99% APR;  **Limited to Visa Platinum with Advantage Points program. See application and program disclosure for complete details.  All loans subject to approval.  Rates may vary based on credit worthiness of borrower(s).  Variable rate programs tied to Prime Rate as stated in the Wall Street Journal and subject to change quarterly.