Featured Savings Rates
Featured Accounts

First Central Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%Reward CheckingKasasa Cash
0.35%Reward SavingsKasasa Saver
0.65%1-year CD1 Year Share Certificate

Overview / Commentary
254-776-9333
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 146th largest credit union in the state of Texas. It is also the 1,886th largest credit union in the nation. It was established in 1937 and as of March of 2016, it had grown to 40 employees and 13,009 members at 5 locations. First Central Credit Union's money market rates are 36% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

First Central credit Union of Texas is open to the residents and the people that maintain employment within McLennan County, with church members included in these eligible counties: Hill, Brown, Bosque, Fall, Coryell, San Saba, Mills, Commanche, Eastland, Callahan, Coleman, and McCulloch and the family members of current credit union members.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Central Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67644
Year Chartered1937
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD7.92%
Annual Interest Income$791.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$73.9MM$65.8MM
LoansQ1 2016vs Q1 2015$41.6MM$39.5MM
DepositsQ1 2016vs Q1 2015$63.7MM$56.4MM
Equity CapitalQ1 2016vs Q1 2015$8.9MM$8.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$593.00K$626.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$714.00K$584.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$51.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Central Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--Regular IRA Savings Account
0.45%--Roth IRA Savings Account
0.45%--Educational IRA Savings Account
0.35%*-$10kKasasa Saver
OTHER TIERS: 0.25% $10k+
0.30%$100-Regular Share Account
0.30%$100-Special Savings Account
0.30%$100-Christmas Club Account

First Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Money Market Account
OTHER TIERS: 0.20% Up to $2,500 | 0.40% $2,500 - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k | 0.55% $100k - $250k

First Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
0.30%*$15k*-Prestige Draft Accounts
OTHER TIERS: 0.20% $500 - $2,500 | 0.25% $2,500 - $15k
0.20%--Super Saver Share Draft Account
0.20%--Student Share Draft Account

First Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.45%$1k-4 Year Share Certificate
1.20%$1k-3 Year Share Certificate
0.85%$1k-2 Year Share Certificate
0.65%$1k-1 Year Share Certificate
0.45%$1k-6 Month Share Certificate

First Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.45%$1k-4 Year IRA Share Certificate
1.20%$1k-3 Year IRA Share Certificate
0.85%$1k-2 Year IRA Share Certificate
0.65%$1k-1 Year IRA Share Certificate
0.45%$1k-6 Month IRA Share Certificate
Locations


First Central Credit Union Locations
Branch Office305 Coke AveHillsboro, TX 76645
Branch Office2101 Fisk AveBrownwood, TX 76801
Branch Office6201 Sanger AveWaco, TX 76710
Branch Office9101 Chapel RdWaco, TX 76712
Branch Office3100 Bellmead DrWaco, TX 76705