First Class American Credit Union

Overview / Commentary
2595 Polaris Dr
Fort Worth, TX 76137

First Class American Credit Union is headquartered in Fort Worth and is the 171st largest credit union in the state of Texas. It is also the 2,200th largest credit union in the nation. It was established in 1929 and as of December of 2019, it had grown to 18 employees and 5,884 members at 3 locations. First Class American Credit Union has a B health rating.

Field of Membership Restrictions

Membership eligibility to join the First Class American Credit Union of Texas is open to the residents, church members, and the people that maintain employment within Forth Worth Texas, and the US Postal Workers that live in the following zip codes, or their family members: 76000-76499, 76800-76999, and 79500-79699. Membership eligibility also extends to include the members of the National Association for Retired Credit Union People, the residents, church members, registered students, and people that maintain employment within a 10-mile distance of FCACU including the areas under the zip codes that are posted on the credit union website, employees that work for any of the qualified credit union affiliated select employer groups, anyone receiving Social Security within the pre-qualified counties, and the family members of existing credit union members.
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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 Class American Credit Union has a relatively low asset base.

Health Grade Components

NCUA #67652
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD-0.49%
Return on Equity - YTD-6.95%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$57.3MM$55.6MM
LoansQ4 2019vs Q4 2018$43.9MM$47.0MM
DepositsQ4 2019vs Q4 2018$52.4MM$50.3MM
Equity CapitalQ4 2019vs Q4 2018$4.0MM$4.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$215.00K$308.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$192.00K$64.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Class American Credit Union Savings Account Rates

2.02%--Pay it Forward Savings
1.00%*-$50kKasasa Saver
OTHER TIERS: 0.30% $50k+
0.35%*$50k*-IRA Shares Account
OTHER TIERS: 0.05% $25 - $2.5k | 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.05%$100-Regular Shares Account
0.05%$100-Christmas Club Savings Account

First Class American Credit Union Money Market Rates

0.30%*$50k*-Money Market Savings Account
OTHER TIERS: 0.05% Up to $2.5k | 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

First Class American Credit Union Checking Account Rates

3.00%*-$15kKasasa Cash
OTHER TIERS: 0.30% $15k+

First Class American Credit Union CD Rates

1.05%*$50k*-4 Year CD
OTHER TIERS: 1.00% $1k - $50k
1.00%*$50k*-3 Year CD
OTHER TIERS: 0.95% $1k - $50k
0.95%*$50k*-30 Month CD
OTHER TIERS: 0.90% $1k - $50k
0.95%*$50k*-30 Month Bump-Up Certificate
OTHER TIERS: 0.90% $1k - $50k
0.85%*$50k*-2 Year CD
OTHER TIERS: 0.80% $1k - $50k
0.80%*$50k*-18 Month CD
OTHER TIERS: 0.75% $1k - $50k
0.75%*$50k*-1 Year CD
OTHER TIERS: 0.70% $1k - $50k
0.65%*$50k*-6 Month CD
OTHER TIERS: 0.60% $1k - $50k

First Class American Credit Union IRA Rates

1.11%*$50k*-4 Year IRA
OTHER TIERS: 1.05% $1k - $50k
1.05%*$50k*-3 Year IRA
OTHER TIERS: 1.00% $1k - $50k
1.00%*$50k*-30 Month IRA
OTHER TIERS: 0.95% $1k - $50k
1.00%*$50k*-30 Month Bump-Up IRA
OTHER TIERS: 0.95% $1k - $50k
0.90%*$50k*-2 Year IRA
OTHER TIERS: 0.85% $1k - $50k
0.85%*$50k*-18 Month IRA
OTHER TIERS: 0.80% $1k - $50k
0.80%*$50k*-1 Year IRA
OTHER TIERS: 0.75% $1k - $50k
0.70%*$50k*-6 Month IRA
OTHER TIERS: 0.65% $1k - $50k

First Class American Credit Union Locations
Branch Office301 E Main StCrowley, TX 76036-2610
Branch Office2595 Polaris DrFort Worth, TX 76137-4208
Branch Office5120 Golden Triangle BlvdFort Worth, TX 76244-4478

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