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First Community Credit Union (TX)


Overview / Commentary
fccu.org
281-856-5300
15260 FM 529 Rd
Houston, TX 77095

First Community Credit Union (TX) is headquartered in Houston and is the 16th largest credit union in the state of Texas. It is also the 197th largest credit union in the nation. It was established in 1954 and as of June of 2024, it had grown to 363 employees and 163,434 members at 18 locations. First Community Credit Union (TX)'s money market rates are 7X 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, Freestone, 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

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Reviews (4)

Review Of Customer Service Experience

Posted by: |

Hi,

I just wanted to stop by to leave a positive review for Justin S. at The Woodlands location. Justin was personable, knowledgable, and his neat appearance stood out. Very nice to work with and provided the details to open up my account at FCCU with ease.

Thank You,


Angel

1

Jacqi! Thank You!!

Posted by: |

I spoke with Jacqi on yesterday, October 27. She was able to do the research to resolve my issue. I appreciate the pleasant customer service as this is very hard to come by these days.

Thanks again!
Sadrina Jones

1

Do Not Recommend FCCU Spring Branch

Posted by: |

I had about $500k at this institution. I purchased 2 CDs at different times which matured at different times. I wanted to move the funds from one of them, upon maturity, to Fidelity for my asset manager to handle but they missed the deadline (claimed auto rollover is not the norm - not the point). When I contacted FCCU they acknowledged my signatures on the documents to transfer were timely but my advisor's office did not get them to FCCU on time so the funds would remain in that CD until 2/25 or I would pay a $2200 penalty. I have had funds at FCCU in significant amounts for over 10 years & the only concession they would make is if I gave the money to their advisor to invest. Firing both FCCU & my advisor (who said it was my fault for not telling them about the time limit - seriously?!) Penny wise & dollar dumb - working on moving my money because this is ridiculous. I would not trust them w advise given this decision.

1

FRAUDULENT ATM MACHINES

Posted by: |

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!
NOT A BUSINESS TO DO BUSINESS WITH!

2


Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #66818
Year Chartered1954
Employees363
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD8.47%
Annual Interest Income$62.4MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.43B$2.41B
LoansQ2 2024vs Q2 2023$1.78B$1.85B
DepositsQ2 2024vs Q2 2023$1.97B$1.87B
Equity CapitalQ2 2024vs Q2 2023$173.4MM$155.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$12.4MM$11.9MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$12MM$4.4MM
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 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$50k*-Health Money Management
OTHER TIERS: 0.75% → $1k - $5k | 1.25% → $5k - $25k | 1.50% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$1m*-First Money Market Fund
OTHER TIERS: 1.75% → $25k - $100k | 2.00% → $100k - $200k | 2.25% → $200k - $500k | 2.75% → $500k - $1m
1.75%*$50k*-Business Money Market
OTHER TIERS: 1.25% → $5k - $25k | 1.50% → $25k - $50k
1.00%$2.5k-Business Growth Money Market

First Community Credit Union (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$0$10kFirst Rewards Checking
OTHER TIERS: 0.15% → $10k+
1.75%*$50k*-Money Management Checking
OTHER TIERS: 0.75% → $2.5k - $5k | 1.25% → $5k - $25k | 1.50% → $25k - $50k

First Community Credit Union (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-19 Month CD
3.85%*$100k*-3 Month CD
OTHER TIERS: 3.80% → $500 - $100k
3.60%*$100k*-6 Month CD
OTHER TIERS: 3.55% → $500 - $100k
3.40%*$100k*-9 Month CD
OTHER TIERS: 3.35% → $500 - $100k
3.25%*$100k*-1 Year CD
OTHER TIERS: 3.20% → $500 - $100k
3.20%*$100k*-7 Year CD
OTHER TIERS: 3.15% → $500 - $100k
3.00%*$100k*-18 Month CD
OTHER TIERS: 2.95% → $500 - $100k
2.95%*$100k*-5 Year CD
OTHER TIERS: 2.90% → $500 - $100k
2.85%*$100k*-2 Year CD
OTHER TIERS: 2.80% → $500 - $100k
2.85%*$100k*-5 Year Flex Access CD
OTHER TIERS: 2.80% → $500 - $100k
2.80%*$100k*-3 Year CD
OTHER TIERS: 2.75% → $500 - $100k
2.80%*$100k*-4 Year CD
OTHER TIERS: 2.75% → $500 - $100k
2.80%$500-5 Year Youth CD Builder Account
2.75%*$100k*-2 Year Flex Rate CD
OTHER TIERS: 2.70% → $500 - $100k
2.70%*$100k*-4 Year Flex Rate CD
OTHER TIERS: 2.25% → $500 - $100k
2.70%$500-2 Year CD Builder Account

First Community Credit Union (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%*$100k*-3 Month IRA
OTHER TIERS: 3.80% → $500 - $100k
3.60%*$100k*-6 Month IRA
OTHER TIERS: 3.55% → $500 - $100k
3.25%*$100k*-1 Year IRA
OTHER TIERS: 3.20% → $500 - $100k
3.20%*$100k*-7 Year IRA
OTHER TIERS: 3.15% → $500 - $100k
3.00%*$100k*-18 Month IRA
OTHER TIERS: 2.95% → $500 - $100k
2.95%*$100k*-5 Year IRA
OTHER TIERS: 2.90% → $500 - $100k
2.85%*$100k*-2 Year IRA
OTHER TIERS: 2.80% → $500 - $100k
2.80%*$100k*-3 Year IRA
OTHER TIERS: 2.75% → $500 - $100k
2.80%*$100k*-4 Year IRA
OTHER TIERS: 2.75% → $500 - $100k
Locations

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