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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 113th largest credit union in the state of Texas. It is also the 1,372nd largest credit union in the nation. It was established in 1937 and as of June of 2024, it had grown to 57 employees and 19,658 members at 5 locations. First Central Credit Union's money market rates are 5X the national average, and it has an A 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.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #67644
Year Chartered1937
Employees57
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD10.11%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$172.3MM$150.6MM
LoansQ2 2024vs Q2 2023$91.7MM$77.6MM
DepositsQ2 2024vs Q2 2023$146.5MM$130.4MM
Equity CapitalQ2 2024vs Q2 2023$22.3MM$17.5MM
Loan Loss AllowanceQ2 2024vs Q2 2023$1.1MM$893K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$2.1MM$1MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0$20kKasasa Saver
0.50%$0-IRA Savings Account
0.35%$100-Regular Share Account
0.35%$100-Dream Savings
0.35%$100-Dream Club
0.35%$5-Kirby Kangaroo(0-12)
0.35%$5-Youth Account(13-17)
0.35%$5-TUTMA Savings(21)

First Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$250k*-Money Market Account
OTHER TIERS: 0.35% → $0 - $2.5k | 1.00% → $2.5k - $25k | 1.10% → $25k - $50k | 1.25% → $50k - $100k | 2.00% → $100k - $250k

First Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$0$10kKasasa Cash
0.50%*$15k*-Prestige Draft Accounts
OTHER TIERS: 0.15% → $500 - $2.5k | 0.35% → $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
4.25%$1k-13 Month Share Certificate
4.25%$1k-25 Month Share Certificate
4.25%$1k-37 Month Share Certificate
4.15%$100k-7 Month Jumbo Share Certificate Special
4.00%$1k-61 Month Share Certificate
3.90%$1k-2 Year Share Certificate
3.85%$1k-49 Month Share Certificate
3.60%$1k-1 Year Share Certificate
3.60%$1k-3 Year Share Certificate
3.50%$1k-5 Year Share Certificate
3.20%$1k-4 Year Share Certificate
2.30%$1k-6 Month Share Certificate

First Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$1k-2 Year IRA Share Certificate
3.60%$1k-1 Year IRA Share Certificate
3.60%$1k-3 Year IRA Share Certificate
3.20%$1k-4 Year IRA Share Certificate
2.30%$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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