First Central Credit Union

Overview / Commentary
6201 Sanger Ave
Waco, TX 76710

First Central Credit Union is headquartered in Waco and is the 121st largest credit union in the state of Texas. It is also the 1,495th largest credit union in the nation. It was established in 1937 and as of June of 2022, it had grown to 56 employees and 18,777 members at 5 locations. First Central Credit Union's CD rates are 2X 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 Grade Components

NCUA #67644
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD11.65%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$148.7MM$135.2MM
LoansQ2 2022vs Q2 2021$72.6MM$59.6MM
DepositsQ2 2022vs Q2 2021$129.1MM$115.8MM
Equity CapitalQ2 2022vs Q2 2021$16.7MM$17.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.0MM$577.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Central Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.45%-$10kKasasa Saver
0.35%--IRA Savings Account
0.25%$100-Regular Share Account
0.25%$100-Dream Savings
0.25%$100-Dream Club

First Central Credit Union Money Market Rates

0.60%*$250k*-Money Market Account
OTHER TIERS: 0.25% Up to $2.5k | 0.40% $2.5k - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k | 0.55% $100k - $250k

First Central Credit Union Checking Account Rates

2.50%-$10kKasasa Cash
0.25%*$15k*-Prestige Draft Accounts
OTHER TIERS: 0.15% $500 - $2.5k | 0.20% $2.5k - $15k
0.05%$500-Super Saver Share Draft Account
0.05%$500-Student Share Draft Account

First Central Credit Union CD Rates

3.25%$1k-61 Month Share Certificate (Non-Renewable)
3.15%$1k-49 Month Share Certificate (Non-Renewable)
3.00%$1k-37 Month Share Certificate (Non-Renewable)
2.75%$1k-25 Month Share Certificate (Non-Renewable)
2.75%$1k-5 Year Share Certificate
2.45%$1k-4 Year Share Certificate
2.35%$1k-3 Year Share Certificate
2.15%$1k-2 Year Share Certificate
1.85%$1k-1 Year Share Certificate
1.30%$1k-6 Month Share Certificate

First Central Credit Union IRA Rates

2.75%$1k-5 Year IRA Share Certificate
2.45%$1k-4 Year IRA Share Certificate
2.35%$1k-3 Year IRA Share Certificate
2.15%$1k-2 Year IRA Share Certificate
1.85%$1k-1 Year IRA Share Certificate
1.30%$1k-6 Month IRA Share Certificate

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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