News & Events


CCCU and First Community Credit Union Create Strategic Alliance

(December 6, 2017) Jamestown, N.D.-based First Community Credit Union and Devils Lake, N.D.-based Citizens Community Credit Union have entered into a conclusive agreement to merge. First Community Credit Union is the largest credit union in North Dakota and, after the merger is finalized, will have assets of approximately $800 million.

The combined credit unions will be headquartered in Jamestown, N.D. and operate under the First Community Credit Union name. This merger will result in a wider range of products, services, and locations available to members of both institutions while preserving the friendly, quality service of a locally owned, strong and secure community credit union.

"It is rare to find two credit unions whose culture, business approach and member origins align as well as First Community and Citizens," said Steve Schmitz, President and CEO for First Community Credit Union. "We look forward to working with the Citizens team to continue our shared history of exceeding the needs of our commercial and consumer members. By increasing our size, we expect to be able to take advantage of efficiencies and offer new products and services for the benefit of our members and employees."

"Citizens Community Credit Union has a proud tradition of serving its local communities and the region as a member-owned credit union," added Jay Chapin, CEO for Citizens Community Credit Union. "After meeting Steve and members of his team at First Community, we soon realized how much our credit unions have in common and that together, we could continue our respective community credit union traditions while capitalizing on the benefits that come with being a larger credit union."

Steve Schmitz will serve as President and Chief Executive Officer of the combined credit unions. The transaction is expected to close January 1, 2018 with an operational merger later in 2018.

About First Community Credit Union

First Community Credit Union was founded in 1939. FCCU is headquartered in Jamestown, N.D. and currently serves the Bismarck, Fargo, Hankinson, Jamestown, Milnor, Napoleon, Oakes, Portland, Steele, Valley City, Wahpeton, and Wishek markets. First Community's deposits are insured by the NCUA. First Community is an Equal Housing Opportunity Lender. Its website is

Media Contacts

Janna Bergstedt | First Community Credit Union | Jamestown, N.D. | 701-253-5109

Brady McCrae | Citizens Community Credit Union | Grand Forks, N.D. | 701-772-9960

Member accounts remain federally insured by the National Credit Union Share Insurance Fund. Administered by the NCUA, the Share Insurance Fund insures individual accounts up to $250,000, and a member's interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement accounts up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States. Members may find insurance coverage information on the Share Insurance Coverage page of the NCUA's consumer website,


The National Credit Union Foundation (the Foundation) has activated the online disaster relief system to raise money for credit union people in Texas affected by Tropical Storm Harvey. Credit union supporters in every state can make donations at

As donations are posted through, the National Credit Union Foundation will coordinate with the Cornerstone Credit Union Foundation in the disaster area to distribute money efficiently to affected credit union employees and volunteers. 100% of the donations through CUAid goes to credit union disaster relief.

The National Credit Union Foundation offers the only national online disaster relief fundraising center for credit unions. Through, credit union organizations are encouraged to offer employees and members an online giving option to support the Foundation's Disaster Relief Fund, the only disaster relief fund dedicated to helping credit unions, their employees and volunteers recover from major disasters such as Tropical Storm Harvey.

As the National Credit Union Foundation activated CUAid and put out a call for donations, the Credit Union Foundation of the Dakotas (CUFD) heard their plea and took action. Members of the CUFD committee unanimously voted to make an immediate $5,000 donation to assist relief efforts. Six years ago, in 2011, credit unions in the Dakotas received support from the CUAid system when parts of North Dakota and South Dakota flooded along the Missouri River. More than $36,000 was distributed to credit union members and employees in Minot, ND, an area that was particularly hard hit.

Lifestyle CD

At Citizens Community Credit Union, flexibility and finances go hand-in-hand with our Lifestyle CDs. What makes this Lifestyle CD promotion unique is that it allows you the flexibility to choose a maturity date for each CD term that is offered. The rates are outstanding. With terms ranging from 5 months to 3 years and with rates between 1.10% APY* and 1.75% APY*, you're sure to find a savings plan that's perfect for you.

Like with all Citizens Community Credit Union CDs, you will receive a notice about 30 days prior to the maturity date and you will have 10 days after maturity to withdraw the funds or move them to another account. If you do not cash the CD at that time, it will rollover (renew) at whatever the CCCU board rate is at the time.

So, whether you're planning for your next big purchase or getting a jump-start on your nest egg, trust in the people who put you first with a Lifestyle CD from Citizens Community Credit Union. You don't want to miss this limited time offer. Check out our Savings and Certificates website page for our Lifestyle CD program details.

*APY = Annual Percentage Yield

*Rates effective as of 7-24-2017

CCCU Supports Sunshine Memorial Foundation

CCCU is proud to partner with the Sunshine Memorial Foundation in building the first hospitality home in Grand Forks! When CCCU signed on to be a partner in the Sunshine Hospitality Home, we knew this was an important cause that could affect everyone in our membership area. With a foot print stretching from St. John to Devils Lake to East Grand Forks, Citizens Community Credit Union members can be found in nearly all the counties that this new hospitality home will serve."We truly believe that the Sunshine Hospitality Home serves a vital need for our whole region," said Brady McCrae, Citizens Community Credit Union VP Sales and Business Development. "You never know when a family member or close friend will become ill and require a hospital stay away from home. By being able to provide a soft bed, business tools and other comforts of home, we hope to make the lives of the patients' family and friends a little easier during those trying times."

The team at Citizens Community Credit Union is committed to making life happen for our members. CCCU employees can be seen volunteering in the community and going above and beyond for our members on a regular basis. To coordinate with this idea, CCCU chose to sponsor the business center in the Sunshine Hospitality Home. "We know that life, including work, doesn't stop and you may have more paperwork to do than ever when a loved one is in the hospital. That's why we felt the business center filled a critical need for those staying at the hospitality home," said McCrae. "Our goal is to help ease the stress of the guests in the home in any way we can."

As part of this sponsorship, Citizens Community Credit Union will be raising funds in the communities we serve with fundraising events and donation opportunities spearheaded by CCCU employees. To stay up to date on how you can get involved in our efforts, "Like" Citizens Community Credit Union on Facebook.

NCUA Notice

On June 23, 2017, the National Credit Union Administration, in cooperation with the North Dakota Department of Financial Institutions, placed your credit union into conservatorship. This action results in NCUA taking control of Citizens Community's operations in order to protect the interests of the members and Citizens Community's assets. The credit union will remain open and services to members will continue.

Your accounts remain insured by the National Credit Union Share Insurance Fund. Administered by NCUA, the Fund is backed by the full faith and credit of the United states.

"Your Insured Funds" brochures are available to explain in detail the National Credit Union Share Insurance Fund and insurance coverage of your account. Information on federal insurance coverage can be provided to you upon request or obtained by visiting the Share Insurance Coverage page of NCUA's consumer website.

NCUA, the North Dakota Department of Financial Institution's and the credit union's management team will aggressively work to protect member assets and maintain confidence in Citizens Community. NCUA is a federal agency with a long and successful track record of maintaining the financial stability of credit unions in these situations and will act to protect the assets of the members of Citizens Community. If you have any questions, please contact the credit union at 701-662-8118.


C. Keith Morton

Regional Director

Agent for the Conservator

CCCU Receives National Marketing Award

On June 2, CCCU was honored with a silver MAC Award in the comprehensive category. The MAC Awards are presented by the national Marketing Association of Credit Union Network (MAC Network) at its annual conference and recognize the best of the best in credit union marketing across the country. "I'm very proud of the exceptional work our marketing team produces," said Brady McCrae, VP Sales and Business Development for Citizens Community Credit Union. "Our credit union is committed to providing high quality products to our members like the Lifestyle CD this award recognizes. We look forward to continuing this tradition of excellence and innovation." The MAC Awards have been recognizing outstanding marketing achievements since 1986, including its exclusive Best in Show Macquee Award.

This award recognizes the Lifestyle CD campaign CCCU launched in fall 2016. Each entry has a chance at pulling in not only a MAC Award but its exclusive MACQUEE Best in Show Award...the only top honor where participants are on stage presenting their work, followed by live on-line judging. The judges for all other entries are marketing, advertising, media and social media experts from both inside and outside the financial industry. In other's a big deal!

The trail-blazing campaign was unique to the industry because it included three different ranges of term length at three different interest rates. This complexity offered a challenge when determining messaging and visuals. With a modest marketing budget for the geographic size of our field of membership, we were able to exceed our goals for the Lifestyle CD campaign. The results grew with every week of purchased media. The campaign included television, radio, billboards, on-line, social media and more. The Lifestyle CD was a success because it made sense. For more information about the MAC Network, visit

CCCU Announces EGF Senior High School Partnership

Earlier this school year, Citizens Community Credit Union formed an exciting partnership to solidify its commitment to the East Grand Forks community. East Grand Forks Senior High School and CCCU have entered into a multi-faceted partnership agreement which includes renaming the school cafeteria as the Citizens Community Credit Union Cafeteria, as well as CCCU signage in the gymnasium, cafeteria and on the football complex, supporting at least one annual fundraiser that would take place in the cafeteria, providing fun, informative financial education content for daily announcements and serving as a financial education resource for the students and their teachers.

"This partnership is about more than a name change," says Brady McCrae, CCCU VP Sales and Business Development, "It's a visual sign of our investment in the community and our deeper relationship with the East Grand Forks schools. Our employees' children attend these schools, they volunteer with these programs and they watch the athletics and arts performances. This is our way to show our commitment to the future of this community."

"The East Grand Forks Senior High School community is grateful for the support of Citizens Community Credit Union," said Brian Loer, East Grand Forks Senior High School principal. "We look forward to our continued partnership with the credit union to find ways to help serve our students better."

Beginning in the Fall of 2016 and finalized early 2017, this partnership will run through at least August 2019.




BluePay Merchant Credit Card Processing Program

The BluePay Merchant Credit Card Processing program is a service we offer that allows our merchant/business members to accept and process credit card transactions from their customers. BluePay is an all-in-one payment processing provider with a complete lineup of easy, efficient and secure merchant credit card processing services all under one roof. The BluePay program is available to any business regardless of its size. We invite you to click on the Services tab the top of this page, then click on the BluePay category box for more program information.

AskAuto App

The AskAuto App can help you shop for your dream car, simplify your vehicle buying experience and apply for a loan. Click on the Services tab at the top of this page, then click on the AskAuto App category box to learn how you can apply for an auto loan from anywhere using a Smartphone.