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Do you know why First Community members are treated like they own the place? Because they do! As a member, you are part owner in a financial cooperative that pools members' money and lends it out to other members.

You'll enjoy lower loan rates and higher savings yields compared to most institutions because we are a non-profit organization. Rather than putting profits in stockholders' pockets, we pass earnings on to our members through improved services and better rates.

The field of membership shall consist of:

  • All eligible businesses, government entities, individuals (including persons in their household) and the immediate family of all eligible individuals, who reside or work in the Missouri counties of St. Louis, St. Louis City, St. Charles, Jefferson, Warren and Franklin and the Illinois counties of Madison, Monroe and St. Clair.
  • All eligible individuals (including persons in their household) and the immediate family of all eligible individuals of an employee or retiree of a company or association in our field of membership listed below.

Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, first cousin or legal guardian and includes step, in-law and legally adoptive relationships. Household is defined as persons living in the same residence who maintain a single economic unit. Included in this definition is any person who is a member of and participates in the maintenance of the household.

Become a member of First Community today. For more information, call us at (636) 728-3333 or 1-800-767-8880.

NOTE: Applicants, including all joint applicants, must be 18 years of age or older, and be a U.S. Citizen or a Resident Alien, with a valid driver's license or state ID card. This application is for consumer accounts only. To open an account for a minor under the age of 18, a trust, or a business account, please visit your nearest branch or call us at 636-728-3333 or 800-767-8880.

Read our Account Disclosures.