Update on COVID-19:  Taking care of our members and team members is our top priority. As a result, most 1st Financial locations are operating as drive-thru only.  Learn more about how we’re here to help.

Coronavirus (COVID-19) Updates

Last updated 3/26/2020

1st Financial is committed to the health and safety of our members, employees and communities. In this very fluid situation, we are taking every effort to best serve the needs of our members in a manner that promotes health and safety for all.

IMPORTANT INFORMATION: 1st Financial branches are closed to lobby traffic effective March 19, 2020. We will utilize drive-thru and ATM service only at our branch locations, until further notice as we take COVID-19 (coronavirus) precautions.

Our Downtown location does not have a drive-thru but deposit and withdrawal services through ATM will still be available at that location. You may also perform deposit and withdrawal transactions at nearby Shared Branch drive up locations.

We expect the increased traffic in our drive-thru lanes may cause longer wait times. We appreciate your patience as we work to serve you as quickly as possible. Please visit our locations web page for normal drive-thru hours at all 1st Financial Federal Credit Union locations.

Ways to Continue to Bank While Practicing Social Distancing

  • Enroll in online banking to gain access to your accounts from home 24/7.
  • Get a debit card for your account.
  • You will be able to make deposits at the ATM, pay for purchases and get cash without the need to come into a branch.
  • Download the 1st Financial Mobile banking app in the on Apple® App Store and Google® Play Store.
  • Qualified users can deposit checks using the remote check deposit feature.
  • Sign up for direct deposit if your employer offers it.
  • Consider using one of our online options to make loan payments.


Deposit Checks from Home

Enroll in SnapDeposit and use your mobile phone to conveniently deposit checks without having to visit a branch or ATM. The 1st Financial Mobile Banking app is available on Apple® App Store and Google® Play Store.

  • Download the 1st Financial Mobile Banking app.
  • Click “Deposit.”
  • Take pictures of your check and follow prompts.

We’re Here to Help

We understand the impact of the coronavirus pandemic may challenge your budget. In this time of uncertainty, we hope it’s comforting to know that we’re here to help relieve some of your financial worries. We have a variety of resources available.


Help With Your Loans

The Credit Union is waiving the $35 Skip A Pay fee and increasing option to skip your auto loan payments up to 90 days.*
The loan must be current to qualify. To begin a Skip A Pay application, please initiate a Chat on our website and choose “Chat to Skip a Payment” or call us at (636) 916-8300. If you are unable to see the “Chat to Skip A Payment” option you may need to clear your web browser history.

Short term loan modification and extensions (60 – 90 days) are available for members with delinquent consumer loans up to 45 days past due.
If you are under a hardship due to COVID-19, and cannot make your loan payment, please initiate a Chat on our website and choose “Chat About Past Due Loan”, email us at WeCanHelp@1stfinancialfcu.org or call us during normal business hours at (636) 896-8215.

We are temporarily suspending foreclosures for 60 days.
If you are under a hardship due to COVID-19, and cannot make your mortgage payment, please initiate a Chat on our website and choose “Chat About Past Due Loan”, email us at WeCanHelp@1stfinancialfcu.org or call us during normal business hours at (636) 896-8215.


Help With Your Accounts

The Credit Union may waive fees for payments, NSFs, or early withdrawals.

If you are under a hardship due to COVID-19, and need assistance with your deposit accounts, please initiate a Chat on our website and choose “Chat with Member Services” or call us at (636) 916-8300.

If you find you are unable to keep current with your payment obligations at the credit union, please contact us at (636) 896-8215 or at WeCanHelp@1stfinancialfcu.org. We may be able to offer a short-term loan modification, restructuring for lower loan payments, and can introduce you to a variety of online financial wellness educational resources and free financial counseling.


Low Rate Emergency Loan for Qualified Members

We created a special Emergency Loan to assist with paying bills, rent, or other financial needs for members with an active checking account who are experiencing financial hardship due to the global COVID-19 pandemic.

Loan Details:

  • One month’s net pay (up to $6,000)
  • 4.9% APR* interest for up to 12 months
  • No fees
  • Loan to be repaid when employment direct deposit resumes
  • For members with active checking accounts only

Apply Online
For faster service, applying online is the suggested way to apply. 

Call (636) 916-8300 during normal business hours
Due to an extraordinary number of calls, we are seeing wait times in excess of 30 minutes during peak times. Please consider applying online for faster service.


Help With Your Business

We understand that our members with small businesses may be facing an unprecedented economic disruption due to the Coronavirus (COVID-19) outbreak.

Through our partnership with Newtek Business Solutions we offer a range of services designed to help your business run smoothly, especially during hard times.  If you have questions about how the CARES Act will help your business or would like more information about the Paycheck Protection Program for Small businesses, please complete this online form.

For more information about the CARES Act, please visit the U.S. Small Business Administration.

Protect Yourself

Use Contactless Payments

When shopping in stores, try using contactless payment options like Apple Pay, Google Pay, or Samsung Pay to avoid touching payment machines, cards, or cash. Many retailers are now able to accept contactless payments from mobile devices. Just look for the contactless symbol.

contactless payment image

For instructions on how to set up contactless payments, click the links below:

Apple Pay    Google Pay    Samsung Pay


Protect Yourself from Scams

As a reminder, 1st Financial will never ask you to provide private, secure information through email, a phone call, or text messaging, unless you initiated the inquiry with us.

In times of concern, it pays to be on the lookout for scams exploiting uncertainty. We’re here to help you, so if you suspect you have been the victim of fraud, please contact us immediately at (636)916-8300. The Federal Trade Commission (FTC) also has resources available on fraudulent activity being observed due to the coronavirus (COVID-19). For more information, please visit the FTC website.


Health Recommendations

We continue to monitor the quickly evolving situation and have contingency plans in place to avoid interruption in our service to our members. In the meantime, follow the bullet points below to stay as safe and healthy as possible:

  • Wash hands with soap and water for at least 20 seconds
  • Avoid touching your eyes, nose and mouth
  • Stay home and rest if you aren’t feeling well
  • Cover your coughs and sneezes with your elbow or a tissue
  • Use alcohol-based hand sanitizer
  • Disinfect frequently touched objects and surfaces.
  • Avoid close contact with others who are ill
  • Practice social distance guidance

For more information about COVID-19, visit the Centers for Disease Control and Prevention at www.cdc.gov.

Additional Resources

At 1st Financial, we understand that COVID-19 has created uncertainties among members of our community. We are sharing the resources below to help keep you up-to-date on the spread of COVID-19 and the impact it has related to school, finances, and life.

We will continue to update these lists as additional resources become available. If you are experiencing a hardship, please let us know as soon as possible so that we can review your situation.

For the most up-to-date information about the credit union, monitor this web page, check your emails and follow our Facebook page.

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