News & Events


Lobbies Closed To Walk-In Traffic, Please Use Our Drive-Up Lanes In All Three Locations (Sparta, West Salem, Tomah)

We understand that everyone is impacted by the COVID-19 (Coronavirus) pandemic. These are unprecedented times.  Please know that 1st Community Credit Union is committed to our members during this emergency. Your accounts remain safe with us and deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

1st Community Credit Union will always put the safety and well-being of our members and staff first. In recognition of that commitment, and to do our part to limit the spread of possible infection, we are temporarily closing our branch lobbies, effective as of Thursday, March 19, 2020 at Noon.  Our drive-up will remain open to serve you and our staff remains available to assist you by phone. Online banking, mobile banking and our other eServices are available for banking safely at home and our ATMs  are available 24/7 in all three branch offices.  We are here for you.

Drive-Up Hours: 
Monday-Friday:  7:30 am - 5:30 pm
Saturdays: 8:00 am - Noon

Hours listed above are effective as of March 19, 2020 and are subject to change

Our Drive-Up Lanes are open to serve you for transactions such as deposits, funds transfers, loan payments, check cashing, and ATM withdrawals.  Our Call Center is available to assist you, and the Call Center can also get you in touch with a Loan Officer or Member Service Representative if you need assistance with a loan or an account.

Call Center:
Call 888-706-1228 for assistance or to be connected with a Loan Officer or Member Service Representative
  • Loans and New Accounts: Call 888-706-1228 if you need assistance with a loan or an account. Our Lenders and Member Service Representatives will work with members on a case-by-case basis to arrange for document signing.
  • Night Deposit: The first drive-through lane at all three branches has a Night Deposit box for dropping off deposits or paperwork after hours. Please remember to put your full name and clear instructions on the envelope. Deposits received in the Night Deposit box are processed the next business day.
  • ATM: Drive-Up ATMs are accessible 24/7 at all three branches.
  • Online and Mobile Banking: 1st CCU’s Online Banking and Mobile App are available as always for self-service management of your accounts. Check your balances, transfer funds, make loan payments, pay bills and more.  Qualifying Mobile App users may also deposit checks. For more information please visit or call 888-706-1228 if you need assistance.
  • Telephone Banking: Call  866-876-7288 to access our 24-Hour P.A.T.T. telephone banking service, available for checking balances, transferring funds, and making loan payments.
  • Safe Deposit Boxes: If you need access to your Safe Deposit Box at our Sparta or West Salem locations please call 888-706-1228 for arrangements.
  • We will update our website and our facebook page with the latest information as this situation evolves.
  • Be Alert: Scammers are trying to take advantage of the COVID-19 scare. If you have concerns about scams or suspicious calls, texts or emails, please reach out to us by calling 888-706-1228. 

This was a difficult decision to make and our management team has been actively monitoring the evolving situation as well as guidance from the Center for Disease Control and state and local health authorities.  We understand that this is a significant inconvenience and 1st CCU wants to assure you that the health, safety, and financial wellness of our members and their families, as well as our employees, are our top priority. Thank you in advance for your patience and understanding.

CLICK HERE for information on direct cash payments to workers and families and unemployment insurance under the Coronavirus Aid, Relief, and Economic Security (CARES) Act.  This webpage has answers to Frequently Asked Questions about the $1200 direct payments to individuals ($2400 for married couples), and about the expanded unemployment eligibility, as well as a new Child Care and Development Block Grant.
Many businesses are facing challenging times in this current health crisis. The U.S. Small Business Administration is committed to helping bring relief to small businesses and nonprofit organizations suffering because of the Coronavirus (COVID-19) pandemic. On March 27, 2020 President Trump signed into law the CARES Act, which provided additional assistance for small business owners and nonprofits, including the opportunity to get up to a $10,000 Advance on an Economic Injury Disaster Loan (EIDL). This Advance may be available even if your EIDL application was declined or is still pending, and will be forgiven.
If you wish to apply for the Advance on your EIDL, please visit as soon as possible to fill out a new, streamlined application. In order to qualify for the Advance, you need to submit this new application even if you previously submitted an EIDL application. Applying for the Advance will not impact the status or slow your existing application. 
The U.S. Small Business Administration also encourages small businesses to subscribe to their email updates via and follow them on Twitter at @SBAgov for the latest news on available SBA resources and services. For additional assistance you can find your local SBA office and resource partners at
At this point in time there is a great deal of confusion about exactly what the CARES Act will cover. For a summary of the paycheck protection loans and tips for borrowers from the Wisconsin Credit Union League CLICK HERE
As new information becomes available we will share additional resources.
multicolor silhouettes of people. Annual Meeting Postponed.
For the safety of our members and staff during the COVID-19 pandemic 1st CCU's Annual Meeting has been postponed. When a new date for the meeting has been determined we will announce it here on our website, via email, and on our social media pages.
cute dog looking out of car window. Auto Loans as low as 2.75% APR, Recreational as low as 3.35% APR
Thinking of a new car, truck, motorcycle or recreational vehicle? Take advantage of our fantastic rates! Click the image above to see current rates or to apply online.


All 1st CCU offices will close at 12:30 pm on Friday, April 10th for Good Friday
Click image above to read the latest eNewsletter (PDF)

scammer by computer. Scam Alerts from your friends at 1st Community Credit Union.

Latest Scam Warnings: 

1st Community Credit Union has been informed that consumers in our area have recently fallen victim to scams.

  • In some cases the scammers convinced the victims to give out their account number or their online banking login name and password, or both.
  • In one case the scammers claimed they could make investments for the victim. They coerced the victim to give out the account number and online banking login credentials so the scammers could deposit checks and then transfer money out to make investments.
  • In another case when the scammers were successful in getting the online banking login user name and password from the victim they used online Bill Pay to write 5 checks between $4,000-$5000.
  • In other cases the scammers convinced the victims that they needed to repay a debt or an erroneous deposit. In one case the victim who was contacted by scammers claiming to be from Amazon. The scammers convinced the victim that Amazon owed the victim money and they needed the victim's online banking login name and password, as well as the account number, to deposit the money directly into the victim's account.  Then the scammers contacted the victim and claimed they erroneously made the deposit too large.  They convinced the victim that the funds needed to be paid back with gift cards purchased at Best Buy. The victim was instructed to call the scammers immediately upon purchasing the gift cards, and then instructed to provide the scammers with the card numbers of the gift cards.
  • There have been other recent cases in other parts of the country in which victims received a phone call claiming to be from Law Enforcement or a Hospital.  The callers stated that a grandchild or child of the victim had outstanding debt, had been arrested, or had been in an accident and payment was needed immediately to protect the grandchild or child from harm. In these cases the victims were instructed to purchase gift cards from companies such as Home Depot or Best Buy, then call the scammers immediately with the gift card numbers. 
  • Once you've purchased gift cards and given someone else the gift card numbers there is no way to stop the fraud from happening.
  • Once you've given out your account number or online banking user name and password the only way to protect yourself from loss of funds is to contact your financial institution to open a new account and close the compromised account.

NEVER, NEVER, EVER give out your online banking user name and password to ANYONE.  Never give out your account number in response to an email or phone call or text that claims they need to deposit money into your account.  Your account number and online banking credentials  should always be kept private and secure to avoid becoming a victim of fraud.

  • Another recent scam is a text message claiming to be coming from a cell phone service provider. The text message is designed to look like a security alert and it warns you that you must validate your account by clicking a link, because if you don't validate then your account access will be disabled. If you fall for this alert and click on the link, you're brought to a very convincing fake website that looks like a popular cell phone provider's login page. You're instructed to sign into your account to 'validate your account security', but if you enter your credentials on this fake website the scammers will have your login information and they will be able to take over your account.

Be smart, be safe, and always contact your financial institutions if you believe that you may have given out information that you should not have disclosed.


Security Information

Debit Restrictions Due To Increased Fraudulent Activity In Georgia and Michigan:

  • Due to numerous fraudulent transactions detected in the state of Georgia, all 1st CCU cardholders who are performing debit card transactions in Georgia will be required to insert the debit card into a Chip Reader rather than swiping the card.
  • All Marathon Petro gas pump users will not be able to use their cards to pay at the pump. You will need to go inside and use the Chip Reader to pay.
  • Due to numerous fraudulent transactions detected in the state of Michigan, card transactions originating in Michigan may be subject to restrictions. 
  • Click the Security Information image on the right to view more scam and fraud information.
These restrictions have been put into place for security purposes to protect our members' accounts from fraud. If additional restrictions need to be placed on transactions we will add those to this list. We apologize in advance for any inconvenience.

Website Compatibility:

Please make sure your computer settings use TLS 1.1 and higher for accessing 1st CCU's website, Online Banking, and Bill Pay.

In general, compatible browsers/versions* include:

      • Internet Explorer version 11
      • MS Edge-all versions
      • Firefox version 31 and higher
      • Safari version 9 and higher for Mac
      • Google Chrome version 42 and higher

*Other browsers not listed may still have functionality, but are not recommended and are compatible only in a limited manner. For example, members using Internet Explorer 10 and lower may need to manually enable TLS 1.1 and 1.2 protocols on the Advance tab in IE via Tools>Internet Options to continue accessing the website. Other members using older Operating Systems and browser combinations might be unable to get to the site if they are not able to access without TLS 1.0 (most notably IE 6 and 8 users on Windows XP or Vista platforms).


Beware Of Fraud.  Learn More    

      • Never Give Out Your Online Banking or Mobile Banking User Name and Password!
      • Pay Attention To Account Activity:
        You are responsible for monitoring your account activity and notifying your financial institution of suspicious activity or fraudulent charges. Online Banking, Mobile Banking, and AccessPoint Credit Card Account Access are offered free of charge to 1st CCU members, as well as monthly paper statements and eStatements. 1st CCU also offers free E-Alerts for notification of daily account balance, online banking logins, and certain electronic transaction activity. For additional protection, ask a Member Service Representative to place a Password on your account. Once you've placed a secure password on your account you will give the password anytime you request information or transactions on your account in person or over the phone.
      • Inspect Credit Reports Annually:
        All consumers are entitled to a free copy of their credit report every 12 months from each of the 3 major credit reporting agencies. The ONLY website authorized by the Federal Trade Commission (FTC) to provide these free credit report copies is Consumers without internet access may request their free copies by calling 1-877-322-8228 or send a request by mail to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
      • Don't Become A Victim Of Phishing Scams:
        Always question any suspicious or "official-looking" emails, letters, or phone calls that ask for verification of sensitive information, and never click on links in unexpected or suspicious emails or social media messages.
      • Protect Your Device:
        Every consumer who owns a computer, smart phone, tablet, or other internet-enabled device should understand what software and systems they have and configure them securely.
      • Use Strong Passwords:
        When you use the same User ID and Password across several websites you increase your risk. Use strong, unique passwords and don't recycle the same passwords for multiple online accounts.
      • Inform Others:
        Tell elderly family members about scams and phishing attacks, even if they don't have internet access. They can still become victims of scams during phone calls and mail if they don't know the warning signs.