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Financial Center First Credit Union


Overview / Commentary
www.fcfcu.com
317-916-7700
7101 E 56th St
Indianapolis, IN 46226-0501

Financial Center First Credit Union is headquartered in Indianapolis and is the 16th largest credit union in the state of Indiana. It is also the 510th largest credit union in the nation. It was established in 1953 and as of June of 2023, it had grown to 175 employees and 68,375 members at 9 locations. Financial Center First Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Financial Center First Credit Union is open to those who live or work in the Indiana counties of Boone, Brown, Delaware, Hamilton, Hancock, Hendricks, Henry, Howard, Johnson, Madison, Marion, Morgan, Putnam, Shelby, or Tipton.
See current membership details

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Reviews (12)

Creating A Joint Account

Posted by: |

Stopped by the Kokomo location where Tammy opened a new joint account for me and my fiance. She was knowledgeable and got us into a high interest checking account that basically has no special requirements to earn the rate. We plan to use the interest earned as our honeymoon/travel money. Thank you Tammy for exploring all our options and getting us into the account that was right for us.

2

Banking With Benefits!

Posted by: |

I'd been doing my banking at big bank and getting hit with even bigger penalties for failing to meet all their monthly requirements every month - not cool. So, I decided to bring my accounts to Financial Center where I'm getting a great rate at 3% on my checking account AND I don't have to count transactions! Opening my account was quick and easy. Plus, I learned they offer FREE resources to anyone regardless of membership - they even have resources to teach my kids about money management!

1

A Wow Rate And No Requirements For Checking!

Posted by: |

So happy I chose a credit union for my checking account. Opened Financial Center's high interest checking - great rate at 3% with no hoops to jump through to earn. Debit card was issued right away, so I am all ready to go!

2

Just Opened The Account

Posted by: |

So far its ok, The debit cards are extreamly ugly and look like something that went out of date in the 50's. The online account is not working, however they have been very helpful and fast at responding to me and it should be fixed soon. I get a 1.25% intrest on my checking account, my old bank would not even do that for a 6 year CD. So for the intreset I will let that slide. 

As for the credit pull, There is no "soft" credit pull, if any company pulls your credit it is a hard hit. You can't blam a company for your ignorance on the subject of how credit works.

9
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Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68658
Year Chartered1953
Employees175
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.17%
Annual Interest Income$18.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$827.1MM$819.6MM
LoansQ2 2023vs Q2 2022$688.3MM$634.5MM
DepositsQ2 2023vs Q2 2022$719.2MM$712.7MM
Equity CapitalQ2 2023vs Q2 2022$81.7MM$84.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$6.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$5.7MM$6.6MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Financial Center First Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Financial Center First Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$10k*-IRA Shares
OTHER TIERS: 0.30% → $100 - $1k | 0.50% → $1k - $10k
0.25%$100-Share Savings
0.25%$100-Student Savings
0.25%$100-Special Savings
0.25%$100-Health Savings Account
0.25%$100-Member's Choice Club
0.25%$100-Business Savings

Financial Center First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$250k*-Business Tiered Money Market
OTHER TIERS: 0.25% → $1k - $10k | 1.45% → $10k - $50k | 2.00% → $50k - $100k | 3.00% → $100k - $250k
2.50%*$250k*-Tiered Money Market
OTHER TIERS: 0.25% → Up to $10k | 1.50% → $10k - $50k | 1.75% → $50k - $100k | 2.10% → $100k - $250k
2.50%*$250k*-Health Savings Tiered Money Market
OTHER TIERS: 0.25% → Up to $10k | 1.50% → $10k - $50k | 1.75% → $50k - $100k | 2.10% → $100k - $250k

Financial Center First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$50kHigh Interest Checking
OTHER TIERS: 1.00% → $50k+
0.75%*$100k*-Champion Checking
OTHER TIERS: 0.25% → Up to $10k | 0.35% → $10k - $50k | 0.55% → $50k - $100k
0.25%--Business Interest Checking
0.25%--Direct Interest Checking

Financial Center First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500-13 Month Share Certificate Special
5.25%$500-13 Month HSA Certificate Special
5.25%$500-6 Month HSA Certificate Special
5.25%$500-6 Month Share Certificate Special
5.25%$500-Business 6 Month Certificate Special
5.25%$500-Business 13 Month Certificate Special
5.00%$500-29 Month Certificate Special
5.00%$500-29 Month HSA Certificate Special
5.00%$500-Business 29 Month Certificate Special
4.00%$25-12 Month Save 2 Win Certificate Special
2.75%*$50k*-36 Month Share Certificate
OTHER TIERS: 2.65% → $500 - $50k
2.75%*$50k*-36 Month HSA Share Certificate
OTHER TIERS: 2.65% → $500 - $50k
2.60%*$50k*-48 Month Share Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-60 Month Share Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-48 Month HSA Share Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-60 Month HSA Share Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.45%*$50k*-30 Month Share Certificate
OTHER TIERS: 2.35% → $500 - $50k
2.45%*$50k*-30 Month HSA Share Certificate
OTHER TIERS: 2.35% → $500 - $50k
2.35%*$50k*-24 Month Share Certificate
OTHER TIERS: 2.25% → $500 - $50k
2.35%*$50k*-24 Month HSA Share Certificate
OTHER TIERS: 2.25% → $500 - $50k
2.10%*$50k*-12 Month Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.10%*$50k*-18 Month Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.10%*$50k*-12 Month HSA Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.10%*$50k*-18 Month HSA Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
1.75%*$50k*-9 Month Share Certificate
OTHER TIERS: 1.65% → $500 - $50k
1.75%*$50k*-9 Month HSA Share Certificate
OTHER TIERS: 1.65% → $500 - $50k
1.70%*$50k*-6 Month Share Certificate
OTHER TIERS: 1.60% → $500 - $50k
1.70%*$50k*-6 Month HSA Share Certificate
OTHER TIERS: 1.60% → $500 - $50k
0.65%*$50k*-91 Day Share Certificate
OTHER TIERS: 0.55% → $500 - $50k
0.65%*$50k*-91 Day HSA Share Certificate
OTHER TIERS: 0.55% → $500 - $50k

Financial Center First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500-13 Month IRA Certificate Special
5.25%$500-6 Month IRA Certificate Special
5.00%$500-29 Month IRA Certificate Special
2.75%*$50k*-36 Month IRA Certificate
OTHER TIERS: 2.65% → $500 - $50k
2.60%*$50k*-48 Month IRA Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.60%*$50k*-60 Month IRA Certificate
OTHER TIERS: 2.50% → $500 - $50k
2.45%*$50k*-30 Month IRA Certificate
OTHER TIERS: 2.35% → $500 - $50k
2.35%*$50k*-24 Month IRA Certificate
OTHER TIERS: 2.25% → $500 - $50k
2.10%*$50k*-12 Month IRA Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.10%*$50k*-18 Month IRA Certificate
OTHER TIERS: 2.00% → $500 - $50k
1.75%*$50k*-9 Month IRA Certificate
OTHER TIERS: 1.65% → $500 - $50k
1.70%*$50k*-6 Month IRA Certificate
OTHER TIERS: 1.60% → $500 - $50k
0.65%*$50k*-91 Day IRA Certificate
OTHER TIERS: 0.55% → $500 - $50k
Locations


Financial Center First Credit Union Locations
Branch Office1935 S DIXON RDKOKOMO, IN 46902
Branch Office1301 E Stop 11 RdIndianapolis, IN 46227
Branch Office20 N Emerson AveGreenwood, IN 46143-8895
Branch Office11715 Fox Rd Ste 100Indianapolis, IN 46236
Branch Office7101 E 56th StIndianapolis, IN 46226
Branch Office8245 Allisonville RdIndianapolis, IN 46250
Branch Office2900 N Oakwood AveMuncie, IN 47304-2273
Branch Office2001 W University AveMuncie, IN 47306
Branch Office5501 W 86th StIndianapolis, IN 46268

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