First Community Credit Union (TX)

Overview / Commentary
15260 FM 529 Rd
Houston, TX 77095

First Community Credit Union (TX) is headquartered in Houston and is the 15th largest credit union in the state of Texas. It is also the 187th largest credit union in the nation. It was established in 1954 and as of June of 2023, it had grown to 347 employees and 155,433 members at 19 locations. First Community Credit Union (TX)'s money market rates are 8X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in First Community Credit Union is open to those who live, work, or worship in the Texas counties of Brazos, Burleson, Collin, Dallas, Denton, Ellis, Falls, Firestone, Fort Bend, Grimes, Harris, Hill, Johnson, Leon, Limestone, Madison, McLennan, Montgomery, Navarro, Robertson, Rockwall, Tarrant, Walker, Waller, or Washington. Employees of more than 100 Houston area Select Employee Partner businesses are also eligible to join.
See current membership details

Reviews (6)

We're Very Happy With FCCU

Posted by: |

Not sure about the experiences of the negative reviewers, but I applied for an auto loan with FCCU, too. I know from experience that interest rates advertised generally have some kind of qualifiers so I read the disclaimers and easily saw what it took to qualify for the lowest rates.

We have used this CU for years and have been very happy that the interest rate paid on the checking account has maintained a high level compared to most. Most others also have the introductory period and then go back to 0.10% APY.

Take a little time to understand how to qualify for various accounts or rates to determine for yourself if this institution is right for you. It is definitely right for us.

Pretty Good.

Posted by: |

I only been with them a few months,but it seens alright,like that i can go into a korger store and take care of business with in a machine,and don't really have to wait on a teller's line.and if I have questions,there is always couple of very nice young men ready to help you. so ,it been very far.

Poor Customer Service

The Louetta location is no longer a location I will do banking. I experienced rudeness for the manage (John). It is not what he said, but how it said it. If the manager is rude, what do you expect from employees, they will follow his lead. This is the second time I have received poor customer service at this location. At the Kroger on W Sam Houston Pkwy, outstanding customer service (Eric). Maybe the Sam Houston location can conduct customer service training at the Louetta location. After today, I truly thought about taking funds to another financial institution where I would be appreciated as a customer.


My son tried to make a deposit but the ATM machine was not working properly and failed to process the deposit and failed to return the money, we went to the bank next day to report the incident and 8 days late still my money not available, there are 700.00 dollars, this is a crime!! Holding hostage my money!! POOR CUSTOMER SUPPPRT!

The Worst Financial Institution

Posted by: |

I opened an account online. It took 28 days to receive my debit card by mail, never received a pin, 6 calls and 4 messages to get a direct deposit form. Try to deposit money into my account using a shared branch and was told that you do not get this privilege until after 2 months of banking with us. Slow service, unapologetic attitudes, and an overall inconvenience.... account closed

Bait And Switch

Posted by: |

I joined this credit union to get a low interst rate they advertised for a new car loan, so I opened an account with $50.00. Applied for the loan and they come back with a much higher rate than stated on the site. When I questioned about the rate I was told I had to sign up for auto bill pay and one of two other options to get the lower rate. I was also informed that this is stated on their website (it is buried 3 pages deep but not on the main page where they BOAST their low rate). I ended up financing the car through the dealer at a lower rate than they FCCU would provide. I then requested to close the account I had opened and was informed I had to pay a $20.00 FEE for not keeping the money in their bank for more than 12 months. REALLY!!! Stay away from these scam artist.


Health Grade Components

NCUA #66818
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD10.72%
Annual Interest Income$47.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.41B$2.05B
LoansQ2 2023vs Q2 2022$1.85B$1.42B
DepositsQ2 2023vs Q2 2022$1.87B$1.83B
Equity CapitalQ2 2023vs Q2 2022$155.2MM$153.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$4.4MM$1.4MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Community Credit Union (TX); 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 Community Credit Union (TX) Savings Account Rates

2.00%*$50k*-Health Money Management
OTHER TIERS: 1.00% $1k - $5k | 1.50% $5k - $25k | 1.75% $25k - $50k
0.35%*$50k*-Red Rangers
OTHER TIERS: 0.15% $5 - $25k | 0.25% $25k - $50k
0.35%*$50k*-IRA Savings
OTHER TIERS: 0.15% $100 - $25k | 0.25% $25k - $50k
0.35%*$50k*-Business Savings
OTHER TIERS: 0.15% $100 - $25k | 0.25% $25k - $50k
0.35%*$50k*-U First Savings
OTHER TIERS: 0.15% $5 - $25k | 0.25% $25k - $50k
0.35%*$50k*-Regular Savings
OTHER TIERS: 0.15% $100 - $25k | 0.25% $25k - $50k
0.35%*$50k*-Club Savings
OTHER TIERS: 0.15% $100 - $25k | 0.25% $25k - $50k
0.35%*$50k*-Level Up Savings
OTHER TIERS: 0.15% $5 - $25k | 0.25% $25k - $50k
0.05%$500-First Health (HSA) Checking

First Community Credit Union (TX) Money Market Rates

3.60%*$1m*-First Money Market Fund
OTHER TIERS: 2.00% $25k - $100k | 2.25% $100k - $200k | 2.50% $200k - $500k | 3.00% $500k - $1m
2.00%*$50k*-Business Money Market
OTHER TIERS: 1.50% $5k - $25k | 1.75% $25k - $50k
1.00%$2.5k-Business Growth Money Market

First Community Credit Union (TX) Checking Account Rates

4.25%*-$10kFirst Rewards Checking
OTHER TIERS: 0.15% $10k+
2.00%*$50k*-Money Management Checking
OTHER TIERS: 1.00% $2.5k - $5k | 1.50% $5k - $25k | 1.75% $25k - $50k

First Community Credit Union (TX) CD Rates

5.25%$500-19 Month CD Special
5.05%$500-10 Month CD Special
4.60%*$100k*-1 Year CD
OTHER TIERS: 4.50% $500 - $100k
4.60%*$100k*-18 Month CD
OTHER TIERS: 4.50% $500 - $100k
4.30%*$100k*-6 Month CD
OTHER TIERS: 4.25% $500 - $100k
4.30%*$100k*-2 Year CD
OTHER TIERS: 4.20% $500 - $100k
4.30%*$100k*-9 Month CD
OTHER TIERS: 4.25% $500 - $100k
4.20%*$100k*-2 Year Flex Rate CD
OTHER TIERS: 4.10% $500 - $100k
4.10%$500-2 Year CD Builder Account
4.05%*$100k*-7 Year CD
OTHER TIERS: 4.00% $500 - $100k
3.85%*$100k*-3 Year CD
OTHER TIERS: 3.75% $500 - $100k
3.85%*$100k*-4 Year CD
OTHER TIERS: 3.75% $500 - $100k
3.75%*$100k*-4 Year Flex Rate CD
OTHER TIERS: 3.65% $500 - $100k
3.65%*$100k*-5 Year CD
OTHER TIERS: 3.60% $500 - $100k
3.55%*$100k*-5 Year Flex Access CD
OTHER TIERS: 3.50% $500 - $100k
3.50%$500$50k5 Year Youth CD Builder Account
3.05%*$100k*-3 Month CD
OTHER TIERS: 3.00% $500 - $100k

First Community Credit Union (TX) IRA Rates

4.60%*$100k*-1 Year IRA
OTHER TIERS: 4.50% $500 - $100k
4.60%*$100k*-18 Month IRA
OTHER TIERS: 4.50% $500 - $100k
4.30%*$100k*-6 Month IRA
OTHER TIERS: 4.25% $500 - $100k
4.30%*$100k*-2 Year IRA
OTHER TIERS: 4.20% $500 - $100k
4.05%*$100k*-7 Year IRA
OTHER TIERS: 4.00% $500 - $100k
3.85%*$100k*-3 Year IRA
OTHER TIERS: 3.75% $500 - $100k
3.85%*$100k*-4 Year IRA
OTHER TIERS: 3.75% $500 - $100k
3.65%*$100k*-5 Year IRA
OTHER TIERS: 3.60% $500 - $100k
3.05%*$100k*-3 Month IRA
OTHER TIERS: 3.00% $500 - $100k


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