First Central Credit Union is headquartered in Waco and is the 120th largest credit union in the state of Texas. It is also the 1,489th largest credit union in the nation. It was established in 1937 and as of March of 2022, it had grown to 51 employees and 18,674 members at 5 locations. First Central Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.
Membership in First Central Credit Union is open to the following: 1) those who live in McLennan County; 2) those who live, work or worship in Hill or Brown Counties; 3) those who live, work, worship or attend school within the county boundaries of Bosque, Falls, Coryell, San Saba, Mills, Comanche, Eastland, Callahan, Coleman, and McCulloch Counties.
See current membership details
Overall | |
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NCUA # | 67644 |
Year Chartered | 1937 |
Employees | 51 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.25% |
Return on Equity - YTD | 10.44% |
Annual Interest Income | $1.2MM |
Assets and Liabilities | ||
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Assets | Q1 2022vs Q1 2021 | $150.6MM$136.3MM |
Loans | Q1 2022vs Q1 2021 | $67.7MM$56.3MM |
Deposits | Q1 2022vs Q1 2021 | $129.6MM$116.4MM |
Equity Capital | Q1 2022vs Q1 2021 | $17.5MM$17.3MM |
Loan Loss Allowance | Q1 2022vs Q1 2021 | $1.1MM$974.00K |
Unbacked Noncurrent Loans | Q1 2022vs Q1 2021 | $912.00K$703.00K |
Real Estate Owned | Q1 2022vs Q1 2021 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.45% | - | $10k | Kasasa Saver | |
0.30% | - | - | IRA Savings Account | |
0.15% | $100 | - | Regular Share Account | |
0.15% | $100 | - | Dream Savings | |
0.15% | $100 | - | Dream Club |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.50%* | $250k* | - | Money Market Account | ||
OTHER TIERS: 0.15% → Up to $2.5k | 0.30% → $2.5k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | 0.45% → $100k - $250k |
First Central Credit Union Locations | ||
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Branch Office | 305 Coke Ave | Hillsboro, TX 76645 |
Branch Office | 1602 Austin Ave | Brownwood, TX 76801-3653 |
Branch Office | 6201 Sanger Ave | Waco, TX 76710 |
Branch Office | 9101 Chapel Rd | Waco, TX 76712 |
Branch Office | 3100 Bellmead Dr | Waco, TX 76705 |