First Class American Credit Union

Overview / Commentary

www.fcacu.org

817-834-9777

2595 Polaris Dr
Fort Worth, TX 76137-4208

First Class American Credit Union is headquartered in Fort Worth and is the 175^th largest credit union in the state of Texas. It is also the 2,229^th largest credit union in the nation. It was established in 1929 and as of March of 2019, it had grown to 18 employees and 5,756 members at 3 locations. First Class American Credit Union's CD rates are 2X the national average, and it 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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Health

B+

Data as of Q1 2019

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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

Overall
NCUA #	67652
Year Chartered	1929
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.23%
Return on Equity - YTD	-2.99%
Annual Interest Income	$534.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$56.1MM$56.2MM
Loans	Q1 2019vs Q1 2018	$44.3MM$45.5MM
Deposits	Q1 2019vs Q1 2018	$50.7MM$50.6MM
Equity Capital	Q1 2019vs Q1 2018	$4.3MM$4.7MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$238.00K$134.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$136.00K$8.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
5.09%	-	-	Pay it Forward Savings
1.00%^*	$50k^*	-	IRA Shares Account
OTHER TIERS: 0.25% → $25 - $2.5k \| 0.85% → $2.5k - $25k \| 0.95% → $25k - $50k
0.25%	$100	-	Regular Shares Account
0.25%	$100	-	Christmas Club Savings Account

First Class American Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$50k^*	-	Money Market Savings Account
OTHER TIERS: 0.25% → Up to $2.5k \| 0.75% → $2.5k - $25k \| 0.85% → $25k - $50k

First Class American Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.99%^*	$50k^*	-	4 Year CD
OTHER TIERS: 2.89% → $1k - $50k
2.94%^*	$50k^*	-	3 Year CD
OTHER TIERS: 2.84% → $1k - $50k
2.89%^*	$50k^*	-	30 Month CD
OTHER TIERS: 2.79% → $1k - $50k
2.89%^*	$50k^*	-	30 Month Bump-Up Certificate
OTHER TIERS: 2.79% → $1k - $50k
2.79%^*	$50k^*	-	2 Year CD
OTHER TIERS: 2.68% → $1k - $50k
2.38%^*	$50k^*	-	18 Month CD
OTHER TIERS: 2.27% → $1k - $50k
2.12%^*	$50k^*	-	1 Year CD
OTHER TIERS: 2.02% → $1k - $50k
1.71%^*	$50k^*	-	6 Month CD
OTHER TIERS: 1.61% → $1k - $50k

First Class American Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.09%^*	$50k^*	-	4 Year IRA
OTHER TIERS: 2.99% → $1k - $50k
3.04%^*	$50k^*	-	3 Year IRA
OTHER TIERS: 2.94% → $1k - $50k
2.99%^*	$50k^*	-	30 Month IRA
OTHER TIERS: 2.89% → $1k - $50k
2.99%^*	$50k^*	-	30 Month Bump-Up IRA
OTHER TIERS: 2.89% → $1k - $50k
2.89%^*	$50k^*	-	2 Year IRA
OTHER TIERS: 2.79% → $1k - $50k
2.48%^*	$50k^*	-	18 Month IRA
OTHER TIERS: 2.38% → $1k - $50k
2.22%^*	$50k^*	-	1 Year IRA
OTHER TIERS: 2.12% → $1k - $50k
1.82%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 1.71% → $1k - $50k

Locations

First Class American Credit Union Locations
Branch Office	301 E Main St	Crowley, TX 76036-2610
Branch Office	2595 Polaris Dr	Fort Worth, TX 76137-4208
Branch Office	5120 Golden Triangle Blvd	Fort Worth, TX 76244-4478

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