First Community Bank

Located in northern Alabama, First Community Bank (formerly First Federal Cullman) is a community financial institution operating since 1905.

First Community Bank (formerly First Federal Cullman) offers competitive interest rates on deposit products including certificates of deposits, checking and savings accounts. We are dedicated to providing competitive mortgage financing for purchases, refinances, construction, and home improvements as well as premium pricing for secondary mortgage market loans and in-house low documentation loans.

Happy Police Week!!! We are so appreciative of our law enforcement and everything they do for our community! #hometownheroes #fcbcullman

Our customer service is always important to us, and the testimonials from customers really make our hearts sing! This is what the FCB family is ALL about! #FCB

We want to give a shout out to all of the amazing teachers that help shape and educate our future generations! Thank you for everything you do! #HometownHeroes #teacherappreciationday #teachers

Our latest Employee Spotlight is Austin Barnett. If you haven't had the chance to get to know him or indulge in one of his delicious cakes, you are missing out!

We love hearing from our FCB customers! This recent testimonial is from June and Joe Foster.

8 years have passed since the historic tornado outbreak that devastated so many Alabama communities, including our own. We would like to take today to remember the events of that day and celebrate the amazing growth and rebuilding we've seen in Cullman since then.

Today we want to highlight First Community Bank customer, June Foster! Not only is she an award winning Christian romance author, but she was also the recipient of Brandi Chaffin's very first VA loan.

June has written 17 novels and 1 devotional and most recently, she has embarked on writing a four part series featuring the stories of multiple Christian characters who struggle with common issues we all face in our daily lives. If you're looking for a book you won't want to put down, book one in her four part Almond Tree Series, For All Eternity, can be purchased here: and book two, Echoes From the Past, is available here:

We make saving simple! When you enroll in our Savings Made Simple Program, we automatically round up every purchase made on your FCB Debit Card to the next whole dollar amount and then transfer that “round up” amount from the checking account attached to your debit card to a savings account of your choice. Contact us to enroll today!
➡️Learn more about how to make every penny count:

Picture yourself relaxing on a beautiful new back porch with a big ol' glass of sweet tea this summer. Now make that dream a reality! Here's a little inspiration to get you started:

"With last year's hail storm, I had to replace the roof on my back porch, so I decided to go ahead and freshen everything up with a new coat of white paint, and I re-screened it since there were some holes. The previous owners had carpet over this beautiful flagstone, so I pulled that up. I replaced the screen doors and added some lights to make it the perfect place to unwind in the evenings." -Rachel McPhillips, Director of Public Relations

If there is an area of your home you've been considering remodeling, contact us today to learn how a construction loan can help."

Want to access your bank account information on the go? Download our mobile banking app!

Happy Easter from everyone here at First Community Bank! 🐰

Today, we want to highlight Rachel McPhillips and wish her a very happy birthday! Rachel has been with FCB for almost 5 years. She has two beautiful daughters that she often refers to as “The Reds” and over the past 2 years, she has spent much of her time remodeling her house which has been an extremely rewarding process. In her spare time, you can catch her teaching Barre classes at a local fitness studio.

We are so grateful for the men and women who serve our community each and every day. That's why we created a special rewards account for all public sector employees. Apply today to start receiving benefits like a .25% higher rate on savings, .25% discount on consumer loans and more!

If you like us on Facebook then you'll love us on Instagram! Be sure to follow our page for an inside look at our team and everything going on here at the bank! Check it out here:

Are you looking to purchase a new home this year? If you are a first-time home buyer, community partner or veteran, check out these homeowner assistance programs!

It's Tax Day! Depositing part or all of your tax refund into an IRA is not only a great investment in your future, but could also make you eligible to claim a tax deduction on a future return. Give us a call at (256) 734-4863 to talk to Kim Flynn to learn more about your retirement saving options!

#DidYouKnow the percentage of people in the U.S. that use debit cards has dropped from 74% to 58% since 2013? This is partially due to the rise in popularity of credit cards and mobile banking. Tell us! Which banking or payment method do you use the most?

The Cullman Times

We are incredibly proud of our Chairman of the Board. Congratulations, Sir! You will serve the UA system well!

Cullman native Finis “Fess” St. John IV, has been named the new chancellor of The University of Alabama System, a position he has held on an interim basis since last year, according to reports by

This month's expert tip comes from our Senior Vice President of Commercial Banking, Stephen McRea: "Building relationships is the key to any successful business.”

Our Small Business of the Month is Busy Bee Cafe! This family-owned restaurant was completely destroyed in the April 2011 tornado that struck downtown, but after a hard year of rebuilding they reopened their doors and came back bigger and better than ever. If you're searching for a tasty bite to eat, be sure to stop in and give this Cullman landmark a try!

The deadline to file your taxes is April 15th! With that in mind, we asked Bank President, William R. "Billy" Faulk, for some advice on the best way to use your tax refund.

You work hard to save money for retirement, but is your retirement account working as hard for you? Give us a call at (256) 734-4863 to talk to Kim Flynn about how you can get the most out of your retirement plan.

Dive into the pool of your dreams this summer! If you've been considering putting in a pool but worried about the price tag that comes with it, we can help! Contact Misty Shannon or Brandi Chaffin at (256) 734-4863 to find out which loan option would be best for you.

Have you registered for the Colors of Cancer 5K Walk/Run yet? All entrants receive a t-shirt, breakfast and goodies. Visit the Cullman County Bosom Buddies Foundation page now to learn more about this amazing cause and the event!

Mark your calendars! The 35th Annual Bloomin' Festival is this weekend. This festival will be filled with artists in over 140 booths and there will be incredible prizes being given out all weekend long. We'll see you there!

This month, our Employee Spotlight is on Kim Flynn, VP over Teller Lines, who is now celebrating her 32 year anniversary with First Community Bank of Cullman!!

Here are 4 facts that you may or may not already know about her!
#1 She claims to be the loudest Bama fan in Cullman County.
#2 She has a new puppy named Ruthie who is her world!
#3 She'll wear sandals even when it's snowing!
#4 She loves her job (and her FCBC family) and loves to go shopping and spend time with her girls.

The Cullman County Bosom Buddies Colors of Cancer Day and 5k Run at Sportsman Lake is nearly a week away! Visit their page now to learn more about this amazing foundation and find more event details!

Our latest expert finance tip comes from Bank Teller, Tanna Smith! When it comes to retirement planning, start early! Take advantage of your employer’s 401k plan or start your own savings account.

We LOVE that you Like Us here on Facebook, but be sure to Follow Us on Instagram (@fcbcullman) for even more information and updates on everything going on here at the bank!

At First Community Bank of Cullman, we love to hear your feedback! Please consider taking a moment to tell others about your experience with us by leaving us a Google Review!,,,

The home buying process may seem daunting, but if you're a step-by-step kind of person, this informational graphic is for you! From pre-qualification to officially becoming a homeowner, here's what you can expect.

Take advantage of our Limited Time CD Special Offer! Visit our website now to learn more!

"As Senior Vice President of Commercial Banking, I would encourage members of our armed forces to bank with First Community Bank of Cullman because of the benefits we’re given, such as discounts on consumer loans and higher rates on savings and CDS.

As a member of the armed forces, I’m blessed to work for a bank that shows respect, honor and appreciation to military personnel. Military personnel and their families make so many sacrifices and for a business to recognize this fact and show appreciation means a lot."

-Stephen McRea, Senior Vice President Commercial Banking Group

As we get older, planning for retirement becomes more of a priority, but what if we told you the best time to plan for retirement is the day you get your first paycheck? Here's why it's NEVER too early to start planning:

Our Chairman of the board, Fess St John, gave a wonderful speech at yesterday’s Cullman Chamber of Commerce luncheon.

Thank you for the kind words, Jody! We are so happy that Brandi was able to make you feel comfortable and taken care of through the process of obtaining your mortgage loan! #testimonial #weloveourcustomers

Did you know, according to Home Advisor, the cost for remodeling multiple rooms ranges from $3,695 to a whopping $146,000! Which rooms in your home are you planning to remodel this year?

When it comes to getting a mortgage, the options may seem overwhelming, but at First Community Bank of Cullman, we make purchasing your new home as simple and stress-free as possible.

Visit us online now to view the different types of loans we offer, before giving us a call at 256.734.4863 to discuss your mortgage needs!

It's that time again! Don't forget to "spring forward" and set your clocks forward one hour before going to bed tonight!

If you've been wanting to remodel your home, here's some inspiration for you!

When I bought the house, this was the first thing I was going to tackle. While I thought there were hardwood floors under the carpet, it turned out to be linoleum. Arg! I ended up having a flooring guy come in, who put down hardwood floors in the hallway before refinishing and staining all the floors in the house. From there, I changed out the door hardware and lighting fixture, painted the ceiling and walls, and put down new baseboards. It’s the first totally complete room!

-Rachel McPhillips, Director of Public Relations

If you're considering remodeling your home, reach out to us today to learn how a construction loan can help you make the upgrades you've been longing for!

If you're looking to build your dream home, it's time to learn more about construction loans, how they work, and their many benefits, and this article does a great job explaining everything you need to know!

[03/06/19]   We are currently having some telephone difficulties. You can always use mobile banking to check your balance or make transfers. We hope they will be back up soon, so we can better serve you.

We asked Bank Loan Processor, Kristy Quick, what's one piece of advice you'd give to someone looking to buy their first car?

Our Small Business of the Month is Stone Bridge Farms, the "All-You-Ever-Wanted-in-a-Venue" kind of place!

If you're searching for the perfect venue for your dream wedding, there are countless reasons to take a closer look at Stone Bridge Farms located right here in Cullman! Be sure to Like their page here!

STATE BASKETBALL TOURNAMENT: No. 5 Cold Springs beats No. 8 G.W. Long 52-36, advances to Class 2A title game

Congrats to Cold Springs Eagles Lady Basketball on their State win! Awesome job, ladies!! Cold Springs' varsity girls are headed to the championship game.

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420 2nd Ave SW
Cullman, AL
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