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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 15th largest credit union in the state of Indiana. It is also the 490th largest credit union in the nation. It was established in 1953 and as of December of 2021, it had grown to 186 employees and 76,690 members at 10 locations. Financial Center First Credit Union's money market rates are 59% higher than the national average, and it has an A 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 (6)

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So far its ok, The debit cards are extreamly ugly and look like something that went out of date in the 50's. The online account is not working, however they have been very helpful and fast at responding to me and it should be fixed soon.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

So Far So Good

Posted by: |

I have had a good experience with FCFCU.... so far.  
I like their interest rate and convince.  
The folks at the Fort office have been very helpful. 

5

Terrible Site & Excessive Fees

Posted by: |

I had to call several times and stay on hold for 10 minutes each time just to get access to my account online. Some reps have helped, and others gave me information that did not work.

Their site is real retro, which makes it hard to navigate and do what I want. I have to pay fees in order to make a simple payment on my car loan. It cost $10 to pay over the phone or $2 for an online payment. I am trying to pay off my loan early, because they are a nightmare to deal with and I just discovered the maximum that you can pay at a time is $1,000 - what a great way for them to charge more fees!

3

Horrible Liars And Thieves

Posted by: |

Stole several hundreds of dollars from us in false NSF fees due to branch personnel mistakes.  Failed transfer, held funds, horrible customer service.

Lied to by every single rep on the phone and in the branches.  Took months to correct the smallest error, and they made ZERO record of it.  SO when the same thing happened, I was called a liar because they made no record.  I hear nothing but horror stories from using this joke of a Credit Union.

I could not close this account faster.  The other reviewer hit the nail on the head; Peice of garbage establishment.

8

Terrible Service

Posted by: |

I went into this branch on 56th street and the service is horrible.  The rude tellers and unfriendly staff made me to never go back.  i closed my account and stay away from this credit union.  It's not worth it!!  

9

Stay Away !!!

Posted by: |

This credit union is a Piece of sh*t. They will also do a hard credit pull on you and lie to you saying it's a soft pull when in fact it's not. I filled a complaint against them for their piss poor customer service. I would avoid this place like the plague.

11


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68658
Year Chartered1953
Employees186
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.11%
Annual Interest Income$28.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$817.3MM$760.8MM
LoansQ4 2021vs Q4 2020$625.6MM$595.3MM
DepositsQ4 2021vs Q4 2020$708.2MM$655.3MM
Equity CapitalQ4 2021vs Q4 2020$86.0MM$82.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.3MM$6.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$5.2MM$5.7MM
Real Estate OwnedQ4 2021vs Q4 2020$30.00K$232.00K
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
0.25%*$10k*-IRA Shares
OTHER TIERS: 0.15% → $100 - $1k | 0.20% → $1k - $10k
0.10%$100-Share Savings
0.10%$100-Student Savings
0.10%$100-Special Savings
0.10%$100-Health Savings Account
0.10%$100-Member's Choice Club
0.10%$100-Business Savings

Financial Center First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Premier Money Market
OTHER TIERS: 0.15% → Up to $100k
0.70%$100k-Business Premier Money Market
0.65%*$100k*-Tiered Money Market
OTHER TIERS: 0.15% → Up to $10k | 0.25% → $10k - $50k | 0.40% → $50k - $100k
0.65%*$100k*-Business Tiered Money Market
OTHER TIERS: 0.15% → $1k - $10k | 0.25% → $10k - $50k | 0.45% → $50k - $100k
0.65%*$100k*-Health Savings Tiered Money Market
OTHER TIERS: 0.15% → Up to $10k | 0.25% → $10k - $50k | 0.40% → $50k - $100k
0.45%*$50k*-Prestige Money Market
OTHER TIERS: 0.15% → Up to $50k
0.45%$50k-Business Prestige Money Market
0.25%*$10k*-Premium Money Market
OTHER TIERS: 0.15% → Up to $10k
0.25%*$10k*-Business Premium Money Market
OTHER TIERS: 0.15% → Up to $10k
0.15%--Money Market
0.15%--Business Money Market

Financial Center First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Champion Checking
OTHER TIERS: 0.10% → Up to $10k | 0.20% → $10k - $50k | 0.35% → $50k - $100k
0.12%*$1.5k*-High Interest Checking
OTHER TIERS: 0.10% → Up to $1.5k
0.10%--Direct Interest Checking
0.05%--Business Interest Checking

Financial Center First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$500-84 Month Share Certificate Special
1.50%$500-60 Month Share Certificate Special
1.50%$500-84 HSA Certificate Special
1.25%$500-37 Month Certificate Special
1.15%*$50k*-60 Month Share Certificate
OTHER TIERS: 1.10% → $500 - $50k
1.10%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.05% → $500 - $50k
1.10%$500-60 Month HSA Certificate Special
1.05%*$50k*-36 Month Share Certificate
OTHER TIERS: 1.00% → $500 - $50k
1.00%$500-29 Month Certificate Special
1.00%$500-1-60 Month Blended StepSmart Certificate Special
1.00%$500-1-60 Month Blended HSA StepSmart Certificate Special
0.95%*$50k*-30 Month Share Certificate
OTHER TIERS: 0.90% → $500 - $50k
0.75%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.70% → $500 - $50k
0.75%$500-37 Month HSA Certificate Special
0.70%*$50k*-60 Month HSA Share Certificate
OTHER TIERS: 0.65% → $500 - $50k
0.60%*$50k*-18 Month Share Certificate
OTHER TIERS: 0.54% → $500 - $10k | 0.55% → $10k - $50k
0.60%*$50k*-48 Month HSA Share Certificate
OTHER TIERS: 0.55% → $500 - $50k
0.60%$500-13 Month Share Certificate Special
0.55%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.50% → $500 - $50k
0.50%*$50k*-36 Month HSA Share Certificate
OTHER TIERS: 0.45% → $500 - $50k
0.50%$500-13 Month HSA Certificate Special
0.45%*$50k*-30 Month HSA Share Certificate
OTHER TIERS: 0.40% → $500 - $50k
0.45%$25-12 Month Save 2 Win Certificate Special
0.40%*$50k*-24 Month HSA Share Certificate
OTHER TIERS: 0.35% → $500 - $50k
0.35%*$50k*-9 Month Share Certificate
OTHER TIERS: 0.30% → $500 - $50k
0.35%*$50k*-18 Month HSA Share Certificate
OTHER TIERS: 0.30% → $500 - $50k
0.30%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $50k
0.30%*$50k*-12 Month HSA Share Certificate
OTHER TIERS: 0.25% → $500 - $50k
0.25%*$50k*-9 Month HSA Share Certificate
OTHER TIERS: 0.20% → $500 - $50k
0.20%*$50k*-91 Day Share Certificate
OTHER TIERS: 0.15% → $500 - $50k
0.20%*$50k*-6 Month HSA Share Certificate
OTHER TIERS: 0.15% → $500 - $50k
0.10%*$50k*-91 Day HSA Share Certificate
OTHER TIERS: 0.05% → $500 - $50k

Financial Center First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$50k*-60 Month IRA Certificate
OTHER TIERS: 1.10% → $500 - $50k
1.10%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.05% → $500 - $50k
1.05%*$50k*-36 Month IRA Certificate
OTHER TIERS: 1.00% → $500 - $50k
0.95%*$50k*-30 Month IRA Certificate
OTHER TIERS: 0.90% → $500 - $50k
0.75%*$50k*-24 Month IRA Certificate
OTHER TIERS: 0.70% → $500 - $50k
0.60%*$50k*-18 Month IRA Certificate
OTHER TIERS: 0.54% → $500 - $10k | 0.55% → $10k - $50k
0.55%*$50k*-12 Month IRA Certificate
OTHER TIERS: 0.50% → $500 - $50k
0.35%*$50k*-9 Month IRA Certificate
OTHER TIERS: 0.30% → $500 - $50k
0.30%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $50k
0.20%*$50k*-91 Day IRA Certificate
OTHER TIERS: 0.15% → $500 - $50k
Locations


Cities: Greenwood, Indianapolis, KOKOMO, Muncie

Greenwood Branches
Branch Office20 N Emerson AveGreenwood, IN 46143-8895

Indianapolis Branches
Branch Office8899 E 56th StIndianapolis, IN 46249
Branch Office1301 E Stop 11 RdIndianapolis, IN 46227
Branch Office11715 Fox Rd Ste 100Indianapolis, IN 46236
Branch Office7101 E 56th StIndianapolis, IN 46226
Branch Office8245 Allisonville RdIndianapolis, IN 46250
Branch Office5501 W 86th StIndianapolis, IN 46268

KOKOMO Branches
Branch Office1935 S DIXON RDKOKOMO, IN 46902

Muncie Branches
Branch Office2900 N Oakwood AveMuncie, IN 47304-2273
Branch Office2001 W University AveMuncie, IN 47306

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