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First Trust

950 E US Highway 20, Michigan City, IN 46360
NCUA Insured3.1 (27 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

950 E US Highway 20

Michigan City, IN 46360

Service Area

This credit union is located in Michigan City and serves members in the IN area. Currently serving 14,934 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

4.49%

Personal Loan

10.95%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.1

27 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Todd Saylor

Todd Saylor

a year ago

Closed my account after a few years with them. Paid for fraud protection for years with it as well. Come time I finally have a charge of $42.79 from Walmart.com I haven’t shopped online with them in 5 years yet they said an online payment had a pin used I said please prove it was me. told it’s on me… I brought proof….Including uninterrupted video of my whole Walmart account last ordered from in 2021 on an expired account from a different bank…. This place is a joke as is its management… watch your account closely here… they flag nothing …and don’t pay for the fraud protection they don’t do nothing about it.

Holly Bygolly

Holly Bygolly

a year ago

The "trust" in first trust is a joke. I just went to the drive through and they sent my tube back to someone else. It had my ID and my account info in it! Now someone knows all my personal information. She said "sorry! It happens all the time" and laughed.

Brandi Richard

Brandi Richard

a year ago

They are terrible people to bank with. I moved and started a new job. Was given a check, went to a shared branch that they advised me to and cashed it into my account. I’ve been with them for over 5 years and not understanding why I have a 7 day hold with a check that came from the company. Was told at first that they can uplift the hold if I had the branch I went to fax over a copy we’ll I call again to see if anything I can do cause I need my money to pay bills and make it to work. And was told now all of a sudden they can’t take the hold off at all. I hate I am still even with them. The people are so rude and careless. Then the lady hung up on me. DO NOT BANK WITH THEM

BH Patrick

BH Patrick

3 years ago

I don’t need to get on my account very often, but when I do, I get a message that since I haven’t logged in recently, my account is locked out!!!! I am so aggravated!!! I do transactions regularly but now I am expected to look online regularly! That stinks!!! Thinking of moving our three accounts to another credit union.

Valerie Wright

Valerie Wright

6 years ago

We were insulted and made to feel like our business didn’t matter. We were members for over a year with multiple accounts including an auto loan in excellent standings. We never had an NSF. Staff is rude. Uninterested in helping you or keeping good business. We are taking our business and accounts to another credit union that values their members.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).