Featured Savings Rates
Featured Accounts

First Community Credit Union (TX)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingFirst Rewards Checking
1.90%5-year CD5 Year CD
0.75%1-year CD1 Year CD

Overview / Commentary
281-856-5300
15260 FM 529 Rd
Houston, TX 77095-3252

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 205th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 266 employees and 119,031 members at 16 locations. First Community Credit Union (TX) 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

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Reviews (4)

Pretty Good.

Posted by: Mar Duarte | Aug 5, 2016

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.

Questionable Ties

Posted by: Anonymous | Mar 15, 2012

If you have any accounts in this Houston area credit union, please beware. I have received information from an employee who has found out this institution has at least indirect ties to far-right wing groups-quite possibly the KKK. I cannot emphasize enough the fact that the individual provided NO proof, or mention any names, but has guaranteed there is reason to believe that at least one employee belongs to a radical organization and was hired despite the fact the credit union had full knowledge of this person's affiliations. Please, please, please beware. Where there's smoke, there's fire.

The Worst Financial Institution

Posted by: eguill | Jul 9, 2015

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: Anonymous | Jul 8, 2011

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
A

Health Grade Components

Overall
NCUA #66818
Year Chartered1954
Employees266
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD10.3%
Annual Interest Income$29.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.24B$1.14B
LoansQ3 2016vs Q3 2015$971.5MM$896.4MM
DepositsQ3 2016vs Q3 2015$1.09B$1.02B
Equity CapitalQ3 2016vs Q3 2015$104.0MM$93.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.6MM$4.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.0MM$3.1MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* 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
5.00%*-$1kU First Savings
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.25% $50k+
0.30%*$25k*-Health Money Management
OTHER TIERS: 0.15% $1k - $5k | 0.20% $5k - $25k
0.25%*$50k*-Regular Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k
0.25%*$50k*-Club Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k
0.25%*$50k*-Red Rangers
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k
0.25%*$50k*-CU Succeed
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k
0.25%*$50k*-IRA Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k
0.25%*$20k*-Business Savings
OTHER TIERS: 0.10% $100 - $5k | 0.15% $5k - $20k
0.25%*$50k*-Coverdell Education IRA Savings
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k
0.05%$500-First Health (HSA) Checking

First Community Credit Union (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-First Money Market Fund
OTHER TIERS: 0.30% $25k - $100k
0.30%*$25k*-Money Management
OTHER TIERS: 0.15% $2,500 - $5k | 0.20% $5k - $25k
0.30%*$25k*-Business Money Market
OTHER TIERS: 0.20% $5k - $25k

First Community Credit Union (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kFirst Rewards Checking
OTHER TIERS: 0.35% $10k+
0.20%$2,500-Business Growth Checking

First Community Credit Union (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$100k-5 Year Jumbo CD
1.90%$500$100k5 Year CD
1.50%$100k-4 Year Jumbo CD
1.45%$100k-3 Year Jumbo CD
1.45%$100k-4 Year Flex Rate Jumbo CD
1.40%$500$100k4 Year CD
1.35%$500$100k3 Year CD
1.35%$500$100k4 Year Flex Rate CD
1.25%$100k-2 Year Jumbo CD
1.20%$100k-2 Year Flex Rate Jumbo CD
1.15%$500$100k2 Year CD
1.10%$500$100k2 Year Flex Rate CD
1.05%$500-2 Year CD Builder Account
0.85%$100k-1 Year Jumbo CD
0.85%$100k-19 Month Jumbo CD
0.75%$500$100k1 Year CD
0.75%$500$100k19 Month CD
0.70%$100k-6 Month Jumbo CD
0.70%$100k-9 Month Jumbo CD
0.65%$500$100k6 Month CD
0.65%$500$100k9 Month CD
0.40%$100k-3 Month Jumbo CD
0.35%$500$100k3 Month CD

First Community Credit Union (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$100k-5 Year Jumbo IRA
2.00%$100k-5 Year Jumbo CESA
1.90%$500$100k5 Year IRA
1.90%$500$100k5 Year CESA
1.50%$100k-4 Year Jumbo IRA
1.50%$100k-4 Year Jumbo CESA
1.45%$100k-3 Year Jumbo IRA
1.45%$100k-3 Year Jumbo CESA
1.40%$500$100k4 Year IRA
1.40%$500$100k4 Year CESA
1.35%$500$100k3 Year IRA
1.35%$500$100k3 Year CESA
1.25%$100k-2 Year Jumbo IRA
1.25%$100k-2 Year Jumbo CESA
1.15%$500$100k2 Year IRA
1.15%$500$100k2 Year CESA
0.85%$100k-1 Year Jumbo IRA
0.85%$100k-1 Year Jumbo CESA
0.75%$500$100k1 Year IRA
0.75%$500$100k1 Year CESA
0.70%$100k-6 Month Jumbo IRA
0.70%$100k-6 Month Jumbo CESA
0.65%$500$100k6 Month IRA
0.65%$500$100k6 Month CESA
0.40%$100k-3 Month Jumbo IRA
0.40%$100k-3 Month Jumbo CESA
0.35%$500$100k3 Month IRA
0.35%$500$100k3 Month CESA
Locations

First Community Credit Union (TX) has 16 locations. Click to view all First Community Credit Union (TX) locations.