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

First Central Credit Union is headquartered in Waco and is the 135th largest credit union in the state of Texas. It is also the 1,749th largest credit union in the nation. It was established in 1937 and as of June of 2018, it had grown to 48 employees and 15,175 members at 5 locations. First Central Credit Union's money market rates are 93% higher than the national average, and it has an A 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
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
Employees48
Primary Regulator
Profit Margin
Return on Assets - YTD1.9%
Return on Equity - YTD14.43%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$87.3MM$80.2MM
LoansQ2 2018vs Q2 2017$52.1MM$49.2MM
DepositsQ2 2018vs Q2 2017$74.4MM$68.6MM
Equity CapitalQ2 2018vs Q2 2017$11.6MM$10.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$682.00K$678.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$815.00K$808.00K
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.

First Central Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%--IRA Savings Account
0.45%$100-Regular Share Account
0.45%$100-Dream Savings
0.45%*-$10kKasasa Saver
OTHER TIERS: 0.25% $10k+
0.45%$100-Dream Club

First Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$250k*-Money Market Account
OTHER TIERS: 0.45% Up to $2.5k | 0.65% $2.5k - $25k | 0.70% $25k - $50k | 0.75% $50k - $100k | 0.80% $100k - $250k

First Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
0.45%*$15k*-Prestige Draft Accounts
OTHER TIERS: 0.35% $500 - $2.5k | 0.40% $2.5k - $15k
0.35%$500-Super Saver Share Draft Account
0.35%$500-Student Share Draft Account

First Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-4 Year Share Certificate
2.00%$50k-30 Month Share Certificate
1.80%$1k-13 Month Share Certificate
1.75%$1k-3 Year Share Certificate
1.60%$1k-2 Year Share Certificate
1.55%$1k-1 Year Share Certificate
0.65%$1k-6 Month Share Certificate

First Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-4 Year IRA Share Certificate
1.50%$1k-3 Year IRA Share Certificate
1.35%$1k-2 Year IRA Share Certificate
1.30%$1k-1 Year IRA Share Certificate
0.65%$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

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