First Community Credit Union (TX)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.25% | Reward Checking | 1.74% - National Average |
| 3.25% | 5-year CD | 2.27% - National Average |
| 2.35% | 1-year CD | 1.38% - National Average |
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 208th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 283 employees and 129,190 members at 16 locations. First Community Credit Union (TX)'s CD rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to those who live or work in Harris, Montgomery or Fort Bend Counties.
See current membership details
Related Posts
We're Very Happy With FCCU
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.
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 good...so 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.
The Worst Financial Institution
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
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66818 |
| Year Chartered | 1954 |
| Employees | 283 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 12.64% |
| Annual Interest Income | $50.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.42B$1.36B |
| Loans | Q4 2018vs Q4 2017 | $1.10B$1.06B |
| Deposits | Q4 2018vs Q4 2017 | $1.26B$1.20B |
| Equity Capital | Q4 2018vs Q4 2017 | $133.5MM$118.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $5.3MM$5.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $4.0MM$3.8MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 5.00%* | $5 | $1k | U First Savings | ||
| OTHER TIERS: 0.25% → $1k - $25k | 0.35% → $25k - $50k | 0.50% → $50k+ | |||||
| 0.50%* | $50k* | - | Regular Savings | ||
| OTHER TIERS: 0.25% → $100 - $25k | 0.35% → $25k - $50k | |||||
| 0.50%* | $50k* | - | Christmas Club | ||
| OTHER TIERS: 0.25% → $100 - $25k | 0.35% → $25k - $50k | |||||
| 0.50%* | $50k* | - | Red Rangers | ||
| OTHER TIERS: 0.25% → $5 - $25k | 0.35% → $25k - $50k | |||||
| 0.50%* | $50k* | - | IRA Savings | ||
| OTHER TIERS: 0.25% → $100 - $25k | 0.35% → $25k - $50k | |||||
| 0.50%* | $50k* | - | Business Savings | ||
| OTHER TIERS: 0.25% → $100 - $25k | 0.35% → $25k - $50k | |||||
| 0.50%* | $50k* | - | Claim Your Youth | ||
| OTHER TIERS: 0.25% → Up to $25k | 0.35% → $25k - $50k | |||||
| 0.05% | $500 | - | First Health (HSA) Checking | ||
First Community Credit Union (TX) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.10%* | $200k* | - | First Money Market Fund | ||
| OTHER TIERS: 0.80% → $25k - $100k | 0.95% → $100k - $200k | |||||
| 0.90%* | $50k* | - | Money Management | ||
| OTHER TIERS: 0.65% → $2.5k - $5k | 0.70% → $5k - $25k | 0.80% → $25k - $50k | |||||
| 0.90%* | $50k* | - | Health Money Management | ||
| OTHER TIERS: 0.65% → $1k - $5k | 0.70% → $5k - $25k | 0.80% → $25k - $50k | |||||
| 0.90%* | $50k* | - | Business Money Market | ||
| OTHER TIERS: 0.70% → $5k - $25k | 0.80% → $25k - $50k | |||||
First Community Credit Union (TX) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.25%* | - | $10k | First Rewards Checking | ||
| OTHER TIERS: 0.35% → $10k+ | |||||
| 0.30% | $2.5k | - | Business Growth Checking | ||
First Community Credit Union (TX) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.50% | $100k | - | 5 Year Jumbo CD | |
| 3.25% | $500 | $100k | 5 Year CD | |
| 3.05% | $100k | - | 3 Year Jumbo CD | |
| 3.05% | $100k | - | 4 Year Jumbo CD | |
| 3.00% | $100k | - | 2 Year Jumbo CD | |
| 3.00% | $100k | - | 4 Year Flex Rate Jumbo CD | |
| 3.00% | $1k | - | 18 Month CD | |
| 3.00% | $100k | - | 18 Month Jumbo CD | |
| 2.90% | $100k | - | 2 Year Flex Rate Jumbo CD | |
| 2.80% | $500 | $100k | 3 Year CD | |
| 2.80% | $500 | $100k | 4 Year CD | |
| 2.75% | $500 | $100k | 2 Year CD | |
| 2.75% | $500 | $100k | 4 Year Flex Rate CD | |
| 2.65% | $500 | $100k | 2 Year Flex Rate CD | |
| 2.65% | $500 | - | 2 Year CD Builder Account | |
| 2.60% | $100k | - | 1 Year Jumbo CD | |
| 2.35% | $500 | $100k | 1 Year CD | |
| 2.15% | $100k | - | 6 Month Jumbo CD | |
| 2.00% | $500 | $100k | 6 Month CD | |
| 1.10% | $100k | - | 9 Month Jumbo CD | |
| 0.95% | $500 | $100k | 9 Month CD | |
| 0.85% | $100k | - | 3 Month Jumbo CD | |
| 0.75% | $500 | $100k | 3 Month CD |
First Community Credit Union (TX) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.50% | $100k | - | 5 Year Jumbo IRA | |
| 3.25% | $500 | $100k | 5 Year IRA | |
| 3.05% | $100k | - | 3 Year Jumbo IRA | |
| 3.05% | $100k | - | 4 Year Jumbo IRA | |
| 3.00% | $100k | - | 2 Year Jumbo IRA | |
| 2.80% | $500 | $100k | 3 Year IRA | |
| 2.80% | $500 | $100k | 4 Year IRA | |
| 2.75% | $500 | $100k | 2 Year IRA | |
| 2.60% | $100k | - | 1 Year Jumbo IRA | |
| 2.35% | $500 | $100k | 1 Year IRA | |
| 2.15% | $100k | - | 6 Month Jumbo IRA | |
| 2.00% | $500 | $100k | 6 Month IRA | |
| 0.85% | $100k | - | 3 Month Jumbo IRA | |
| 0.75% | $500 | $100k | 3 Month IRA |
