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First Central Credit Union


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 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.

Field of Membership Restrictions

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.
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Health
A

Data as of Q1 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #67644
Year Chartered1937
Employees51
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD10.44%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$150.6MM$136.3MM
LoansQ1 2022vs Q1 2021$67.7MM$56.3MM
DepositsQ1 2022vs Q1 2021$129.6MM$116.4MM
Equity CapitalQ1 2022vs Q1 2021$17.5MM$17.3MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.1MM$974.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$912.00K$703.00K
Real Estate OwnedQ1 2022vs Q1 2021$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%-$10kKasasa Saver
0.30%--IRA Savings Account
0.15%$100-Regular Share Account
0.15%$100-Dream Savings
0.15%$100-Dream Club

First Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%-$10kKasasa Cash
0.15%*$15k*-Prestige Draft Accounts
OTHER TIERS: 0.05% → $500 - $2.5k | 0.10% → $2.5k - $15k
0.05%$500-Super Saver Share Draft Account
0.05%$500-Student Share Draft Account

First Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$1k-49 Month Share Certificate (Non-Renewable)
1.20%$1k-37 Month Share Certificate (Non-Renewable)
1.10%$1k-4 Year Share Certificate
1.05%$1k-25 Month Share Certificate (Non-Renewable)
0.95%$1k-3 Year Share Certificate
0.80%$1k-2 Year Share Certificate
0.60%$1k-1 Year Share Certificate
0.30%$1k-6 Month Share Certificate

First Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$1k-4 Year IRA Share Certificate
0.95%$1k-3 Year IRA Share Certificate
0.80%$1k-2 Year IRA Share Certificate
0.60%$1k-1 Year IRA Share Certificate
0.30%$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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