First Service CU (TX)

9621 W. Sam Houston Parkway N.
Houston, TX 77064
800.822.4328
www.fscu.com

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First Service CU (TX) is headquartered in HOUSTON and is the 51^st largest credit union in the state of Texas. It is also the 616^st largest credit union in the nation. It was established in 1977 and as of September of 2011, it had grown to 113 employees and 48,265 members. First Service CU (TX)'s savings rates are 13% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Service CU (TX) Checking Account Rates

	Apy	Min	Max	Product
	1.05%	-	$25k	Right Rewards Checking

First Service CU (TX) Savings Account Rates

Apy	Min	Max	Product
0.60%	$50k	-	IRA Shares
0.60%	$50k	-	Roth IRA Share
0.60%	$50k	-	CESA Shares
0.59%	-	-	Health Savings Account
0.30%	-	-	Club Account
0.10%	$100	-	Savings Account
0.10%	$100	-	Youth Account

First Service CU (TX) Money Market Rates

	Apy	Min	Max	Product
	0.59%	$100k	-	Money Market

First Service CU (TX) CD Rates

Apy	Min	Max	Product
2.20%	$1k	-	60 Month CD
1.85%	$1k	-	48 Month CD
1.55%	$1k	-	36 Month CD
1.20%	$1k	-	24 Month CD
0.90%	$1k	-	18 Month CD
0.85%	$1k	-	12 Month CD
0.85%	$1k	$50m	12 Month Smart Growth CD
0.55%	$1k	-	6 Month CD
0.30%	$1k	-	3 Month CD

First Service CU (TX) IRA Rates

Apy	Min	Max	Product
2.30%	$1k	-	60 Month IRA
2.30%	$1k	-	60 Month Roth IRA
2.30%	$1k	-	60 Month CESA
1.95%	$1k	-	48 Month IRA
1.95%	$1k	-	48 Month Roth IRA
1.95%	$1k	-	48 Month CESA
1.65%	$1k	-	36 Month IRA
1.65%	$1k	-	36 Month Roth IRA
1.65%	$1k	-	36 Month CESA
1.30%	$1k	-	24 Month IRA
1.30%	$1k	-	24 Month Roth IRA
1.30%	$1k	-	24 Month CESA
1.00%	$1k	-	18 Month IRA
1.00%	$1k	-	18 Month Roth IRA
1.00%	$1k	-	18 Month CESA
0.95%	$1k	-	12 Month IRA
0.95%	$1k	-	12 Month Roth IRA
0.95%	$1k	-	12 Month CESA
0.65%	$1k	-	6 Month IRA
0.65%	$1k	-	6 Month Roth IRA
0.65%	$1k	-	6 Month CESA
0.40%	$1k	-	3 Month IRA
0.40%	$1k	-	3 Month Roth IRA
0.40%	$1k	-	3 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

FIRST SERVICE
NCUA #	68605
BankRate Report	View
Year Established	1977
Employees	113
Primary Regulator
Assets and Liabilities
Assets	$310.29 million
Loans	$213.52 million
Deposits	$278.51 million
Equity Capital	$25.20 million
Loan Loss Allowance	$1.57 million
Unbacked Noncurrent Loans	$729,000
Real Estate Owned	$128,000
Profit Margin - Quarterly
Net Interest Margin	3.93%
Return on Assets	-0.07%
Return on Equity	-0.9%
Interest Income	$9.92 million
Non-Interest Income	$5.18 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First Service CU (TX) had $857,000 in non-current loans and owned real-estate with $26.77 million in equity and loan loss allowances on hand to cover it. This gives First Service CU (TX) a Texas Ratio of 3.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Service CU (TX) has $310.29 million in assets with $26.77 million in equity, resulting in a capitalization level of 8.63%, which is average.

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