Save. Plan. Retire.

First County Federal Credit Union

First County Federal Credit Union is a member-owned financial cooperative dedicated to serving Muncie’s diverse community. Membership is open to anyone who resides, works, worships or attends school within its boundaries.

Where FREE checking rules! No monthly service fees eroding away at your balance. Also enroll in 1st CCU Anywhere’s eStatements feature to receive account statements faster and save paper!

Vision Values & Mission

Members rely on us for financial stability, safety and security by offering products tailored specifically to their needs. Encouraging thrift and providing access to credit for productive or provident purposes remain two of our primary goals today.

At first intended to serve naval and government personnel of Naval Weapons Center China Lake, membership now extends to anyone living, working or attending school on Muncie’s south and east sides. Free checking services are offered as well as no interest loans without fees attached.

NWC Community Federal Credit Union expands its field of membership to encompass Mono and western Kern counties with the opening of a branch within Stater Bros. grocery store in Ridgecrest.

Routing Number & Locations

The ABA Routing Number is a nine-digit code that uniquely identifies financial institutions. It can be found on checks, online banking portals or bank helplines; its primary use is in financial transactions such as direct deposits to ACH (Automated Clearing House), wire transfers and bill payments.

First County Federal Credit Union’s American Bankers Association Routing Number is 274975262. You can use the information below to search a list of banks and their routing numbers, though please keep in mind that routing numbers vary depending on state/region as well as large banks which may use multiple routing numbers for various purposes – therefore this list serves only as a general guideline.


Your busy lifestyle demands you complete your tasks efficiently and effectively, which is why we offer convenient, fast and free online banking services that allow you to manage your funds swiftly and effortlessly.

Join our financial cooperative and experience real help for real people! With free checking and great loan offers in Muncie’s diverse south and east sides, our membership offers real assistance that makes a real difference in lives.

Our share draft (checking) accounts are completely FREE with no monthly service charges eating away at your balance and come complete with a Visa Debit Card to boot! Plus, they participate in the CO-OP Shared Branch network so you have access to your money at over 6,000 locations nationwide.


Savings accounts provide an ideal means of setting aside funds for emergencies, vacations or home purchases – plus with federally insured limits up to $250,000 your funds are always safe from harm.

Make the most of your savings by enrolling in eStatements – they’re faster, safer, and can even save on postage and envelopes! Log into 1st CCU Anywhere today to enroll!

Start saving for Christmas early with a First County holiday club account or put aside money every payday to build savings for special purchases. Plus, we provide Health Savings accounts and IRAs to grow your money with tax advantages!

Loans & Credit Cards

No matter your financial goals – be they bills, savings for rainy days or planning retirement – First County makes managing finances simple. Plus with our eco-friendly eStatements solution you’ll save both time and paper by simply enrolling with 1st CCU Anywhere!

Credit unions are an attractive banking solution for many people, as Forbes recently recognized in each state. Based on surveys and online reviews, Forbes identified the top credit unions across each state based on 2023 rankings – but not all banks or credit unions are created equal! To help you find a great match in 2023 we compiled this list of the best credit unions across each state. Read on!

Retirement Planning & Investments

If you reside, work, attend school or church in Delaware County, you are eligible to become a member of First County Federal Credit Union. Being part of this financial cooperative means your needs come first – after all, they’re more important than just customers!

Financial Dimensions offers services ranging from planning and evaluation of a specific financial need, through full financial plans. This may involve reviewing existing retirement plan options, investment portfolios and protection planning strategies.

Non-deposit investments are offered through CUSO Financial Services, L.P. (“CFS”), which is registered as both a broker-dealer and SEC investment advisor. *CFS products do not come under NCUA insurance protection nor credit union guarantee and may involve investment risk that includes possible principal loss.






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