First Central Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 113^th largest credit union in the state of Texas. It is also the 1,396^th largest credit union in the nation. It was established in 1937 and as of December of 2024, it had grown to 56 employees and 20,037 members at 5 locations. First Central Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in First Central Credit Union is open to those who live in McLennan County, Texas; those who live, work or worship in Hill or Brown Counties, Texas; and those who live, work, worship, or attend school Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, and San Saba Counties, Texas.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67644
Year Chartered	1937
Employees	56
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	6.97%
Annual Interest Income	$9.7MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$168.6MM$166.1MM
Loans	Q4 2024vs Q4 2023	$90.6MM$90.7MM
Deposits	Q4 2024vs Q4 2023	$142.6MM$141.4MM
Equity Capital	Q4 2024vs Q4 2023	$23MM$21.2MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.3MM$1.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$3MM$1.9MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for First Central Credit Union are currently being reviewed.

Locations

First Central Credit Union Locations
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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.