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First Central Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%Reward CheckingKasasa Cash
1.82% - National Average
0.35%Reward SavingsKasasa Saver
0.81% - National Average
0.65%1-year CD1 Year Share Certificate
1.35% - Ally Bank High Yield 12-Month CDAdvertisement
View all First Central Credit Union rates »

Overview / Commentary
www.firstcentralcu.com
254-776-9333
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 143rd largest credit union in the state of Texas. It is also the 1,861st largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 45 employees and 13,699 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

Membership in First Central Credit Union is open to anyone living, worshiping or working in Bosque, Falls, Coryell, San Saba, Mills, Comanche, Eastland, Callahan, Coleman, and McCulloch Counties in Texas through membership in Friends of Consumer Freedom. Membership is also open to those who live, worship or work in Hill and Brown Counties in Texas.
See current membership details

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Health
B+

Data as of Q4 2016

Learn why bank health matters
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
Employees45
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD6.86%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$75.8MM$67.1MM
LoansQ4 2016vs Q4 2015$45.6MM$42.1MM
DepositsQ4 2016vs Q4 2015$65.0MM$57.2MM
Equity CapitalQ4 2016vs Q4 2015$9.3MM$8.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$713.00K$613.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.0MM$874.00K
Real Estate OwnedQ4 2016vs Q4 2015$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.

First Central Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--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
1.50%$100k-13 Month Share Certificate
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 Office1602 Austin AveBrownwood, TX 76801-3653
Branch Office6201 Sanger AveWaco, TX 76710
Branch Office9101 Chapel RdWaco, TX 76712
Branch Office3100 Bellmead DrWaco, TX 76705