2. Financial Center First Credit Union

Financial Center First Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.40%6+ Year CD
2.29% - National Average
3.40%6+ Year IRA
2.31% - National Average
2.00%5-year CD
3.10% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
View all Financial Center First Credit Union rates »

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

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 504th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 140 employees and 60,883 members at 7 locations. Financial Center First Credit Union's money market rates are 3X 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 Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Marion, Morgan, Putnam, and Shelby Counties in Indiana.
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Reviews (6)

FCFCU experience

Posted by: mariahdyer74 | May 24, 2018

This has been my bank of choice for over 20 years. Free checking is one of the great many services offered and is one of the reasons I have been there so long along with in my 20 years I have never had a bad experience or ran into an unpleasant teller. When I first started with FCFCU the amount of locations was a problem but over the past 10 plus years we have seen a lot more locations. With the ongoing corruptions with the banking systems I tend to think that the credit union are a bit more trustworthy. I have never had a bad experience with FCFCU and whenever I do have an issue someone handles immediately with a smile on they're face. FCFCU is local and was named as one of the best places to work in Indiana a few years back.

1

Just Opened The Account

Posted by: ngillespie | Apr 26, 2012

So far its ok, The debit cards are extreamly ugly and look like something that went out of date in the 50's. The online account is not working, however they have been very helpful and fast at responding to me and it should be fixed soon.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

8

So Far So Good

Posted by: Anonymous | Oct 20, 2010

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

Horrible Liars And Thieves

Posted by: Jah | May 11, 2012

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.

6

Terrible Service

Posted by: colts1778 | Apr 21, 2011

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!!  

6

Stay Away !!!

Posted by: bas2000 | Aug 10, 2010

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.

8


Health
A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68658
Year Chartered1953
Employees140
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD6.38%
Annual Interest Income$11.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$564.5MM$538.2MM
LoansQ2 2018vs Q2 2017$463.7MM$436.3MM
DepositsQ2 2018vs Q2 2017$473.5MM$451.0MM
Equity CapitalQ2 2018vs Q2 2017$68.8MM$65.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$5.0MM$4.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$3.7MM$2.2MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* 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
0.55%$10k-IRA Premium Shares
0.40%$1k-IRA Plus Shares
0.30%$100-IRA Shares
0.20%$100-Share Savings
0.20%$100-Student Savings
0.20%$100-Special Savings
0.20%$100-Health Savings Account
0.20%$100-Member's Choice Club
0.20%$100-Business Savings

Financial Center First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$500k*-Business Tiered Money Market
OTHER TIERS: 0.35% → $1k - $10k | 0.65% → $10k - $25k | 0.80% → $25k - $50k | 1.00% → $50k - $100k | 1.20% → $100k - $250k | 1.45% → $250k - $500k
1.20%*$100k*-Premier Money Market
OTHER TIERS: 0.10% → Up to $100k
1.20%$100k-Business Premier Money Market
1.15%*$100k*-Tiered Money Market
OTHER TIERS: 0.10% → Up to $1k | 0.35% → $1k - $10k | 0.65% → $10k - $50k | 0.95% → $50k - $100k
1.00%*$50k*-Prestige Money Market
OTHER TIERS: 0.10% → Up to $50k
1.00%$50k-Business Prestige Money Market
0.65%*$10k*-Premium Money Market
OTHER TIERS: 0.10% → Up to $10k
0.65%*$10k*-Health Savings Premium Money Market
OTHER TIERS: 0.10% → Up to $10k
0.65%*$10k*-Business Premium Money Market
OTHER TIERS: 0.10% → Up to $10k
0.35%*$1k*-Money Market
OTHER TIERS: 0.10% → Up to $1k
0.35%*$1k*-Health Savings Money Market
OTHER TIERS: 0.10% → Up to $1k
0.35%*$1k*-Business Money Market
OTHER TIERS: 0.10% → Up to $1k

Financial Center First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$100k*-Champion Checking
OTHER TIERS: 0.20% → Up to $1k | 0.35% → $1k - $10k | 0.65% → $10k - $50k | 1.00% → $50k - $100k
0.25%*$1.5k*-High Interest Checking
OTHER TIERS: 0.20% → Up to $1.5k
0.20%--Business Interest Checking
0.20%--Direct Interest Checking

Financial Center First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%$500-84 Month Share Certificate Special
3.40%$500-84 HSA Certificate Special
3.30%$500-60 Month Certificate Special
3.30%$500-60 Month HSA Certificate Special
3.15%$5k-37 Month Certificate Special
3.15%$500-37 Month HSA Certificate Special
2.55%$500-13 Month Share Certificate Special
2.55%$500-13 Month HSA Certificate Special
2.05%*$50k*-60 Month Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.05%*$50k*-60 Month HSA Share Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.00%$500-60 Month FlexSmart Certificate
2.00%$500-60 Month AddSmart Certificate
1.55%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.50% → $500 - $50k
1.55%*$50k*-48 Month HSA Share Certificate
OTHER TIERS: 1.50% → $500 - $50k
1.45%*$50k*-36 Month Share Certificate
OTHER TIERS: 1.40% → $500 - $50k
1.45%*$50k*-36 Month HSA Share Certificate
OTHER TIERS: 1.40% → $500 - $50k
1.40%*$50k*-30 Month Share Certificate
OTHER TIERS: 1.35% → $500 - $50k
1.40%*$50k*-30 Month HSA Share Certificate
OTHER TIERS: 1.35% → $500 - $50k
1.35%*$50k*-24 Month Share Certificate
OTHER TIERS: 1.30% → $500 - $50k
1.35%*$50k*-24 Month HSA Share Certificate
OTHER TIERS: 1.30% → $500 - $50k
1.30%*$50k*-18 Month Share Certificate
OTHER TIERS: 1.25% → $500 - $50k
1.30%*$50k*-18 Month HSA Share Certificate
OTHER TIERS: 1.25% → $500 - $50k
1.25%*$50k*-12 Month Share Certificate
OTHER TIERS: 1.20% → $500 - $50k
1.25%*$50k*-12 Month HSA Share Certificate
OTHER TIERS: 1.20% → $500 - $50k
1.05%*$50k*-9 Month Share Certificate
OTHER TIERS: 1.00% → $500 - $50k
1.05%*$50k*-9 Month HSA Share Certificate
OTHER TIERS: 1.00% → $500 - $50k
0.90%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.85% → $500 - $50k
0.90%*$50k*-6 Month HSA Share Certificate
OTHER TIERS: 0.85% → $500 - $50k
0.85%$25-12 Month Save 2 Win Certificate Special
0.40%*$50k*-91 Day Share Certificate
OTHER TIERS: 0.35% → $500 - $50k
0.40%*$50k*-91 Day HSA Share Certificate
OTHER TIERS: 0.35% → $500 - $50k

Financial Center First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%$500-84 Month IRA Certificate Special
3.30%$500-60 Month IRA Special
3.15%$5k-37 Month IRA Special
2.55%$500-13 Month IRA Special
2.05%*$50k*-60 Month IRA Certificate
OTHER TIERS: 2.00% → $500 - $50k
2.00%$500-60 Month AddSmart IRA Certificate
2.00%$500-60 Month FlexSmart IRA Certificate
1.55%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.50% → $500 - $50k
1.45%*$50k*-36 Month IRA Certificate
OTHER TIERS: 1.40% → $500 - $50k
1.40%*$50k*-30 Month IRA Certificate
OTHER TIERS: 1.35% → $500 - $50k
1.35%*$50k*-24 Month IRA Certificate
OTHER TIERS: 1.30% → $500 - $50k
1.30%*$50k*-18 Month IRA Certificate
OTHER TIERS: 1.25% → $500 - $50k
1.25%*$50k*-12 Month IRA Certificate
OTHER TIERS: 1.20% → $500 - $50k
1.05%*$50k*-9 Month IRA Certificate
OTHER TIERS: 1.00% → $500 - $50k
0.90%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.85% → $500 - $50k
0.40%*$50k*-91 Day IRA Certificate
OTHER TIERS: 0.35% → $500 - $50k
Locations


Financial Center First Credit Union Locations
Branch Office8899 E 56th StIndianapolis, IN 46249
Branch Office5455 W 86th StIndianapolis, IN 46268
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

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