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  2. First Community Credit Union (TX)

First Community Credit Union (TX)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingFirst Rewards Checking
1.84% - National Average
2.00%5-year CD5 Year CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
1.20%1-year CD1 Year CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
View all First Community Credit Union (TX) rates »

Overview / Commentary
fccu.org
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 212th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 270 employees and 122,385 members at 15 locations. First Community Credit Union (TX)'s CD rates are 56% higher than 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

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Reviews (4)

We're Very Happy With FCCU

Posted by: bamrqrdt | Jun 26, 2017

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.

1

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.

1

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

5

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.

2


Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #66818
Year Chartered1954
Employees270
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD9.18%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$1.27B$1.18B
LoansQ1 2017vs Q1 2016$1.04B$907.9MM
DepositsQ1 2017vs Q1 2016$1.14B$1.06B
Equity CapitalQ1 2017vs Q1 2016$107.3MM$97.7MM
Loan Loss AllowanceQ1 2017vs Q1 2016$5.3MM$4.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.8MM$3.2MM
Real Estate OwnedQ1 2017vs Q1 2016$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 | 0.30% → $50k+
0.35%*$50k*-Health Money Management
OTHER TIERS: 0.15% → $1k - $5k | 0.20% → $5k - $25k | 0.30% → $25k - $50k
0.30%*$50k*-Regular Savings
OTHER TIERS: 0.10% → $100 - $25k | 0.15% → $25k - $50k
0.30%*$50k*-Club Savings
OTHER TIERS: 0.10% → $100 - $25k | 0.15% → $25k - $50k
0.30%*$50k*-Red Rangers
OTHER TIERS: 0.10% → Up to $25k | 0.15% → $25k - $50k
0.30%*$50k*-CU Succeed
OTHER TIERS: 0.10% → Up to $25k | 0.15% → $25k - $50k
0.30%*$50k*-IRA Savings
OTHER TIERS: 0.10% → $100 - $25k | 0.15% → $25k - $50k
0.30%*$20k*-Business Savings
OTHER TIERS: 0.10% → $100 - $5k | 0.15% → $5k - $20k
0.30%*$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
0.50%*$200k*-First Money Market Fund
OTHER TIERS: 0.30% → $25k - $100k | 0.40% → $100k - $200k
0.35%*$50k*-Money Management
OTHER TIERS: 0.15% → $2,500 - $5k | 0.20% → $5k - $25k | 0.30% → $25k - $50k
0.35%*$50k*-Business Money Market
OTHER TIERS: 0.20% → $5k - $25k | 0.30% → $25k - $50k

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
2.15%$100k-5 Year Jumbo CD
2.00%$500$100k5 Year CD
1.70%$100k-19 Month Jumbo CD
1.55%$100k-2 Year Jumbo CD
1.55%$100k-4 Year Jumbo CD
1.55%$500$100k19 Month CD
1.50%$100k-3 Year Jumbo CD
1.50%$100k-4 Year Flex Rate Jumbo CD
1.45%$100k-2 Year Flex Rate Jumbo CD
1.40%$500$100k2 Year CD
1.40%$500$100k4 Year CD
1.40%$100k-1 Year Jumbo CD
1.35%$500$100k3 Year CD
1.35%$500$100k4 Year Flex Rate CD
1.30%$500$100k2 Year Flex Rate CD
1.30%$500-2 Year CD Builder Account
1.20%$500$100k1 Year CD
0.75%$100k-6 Month Jumbo CD
0.75%$100k-9 Month Jumbo CD
0.65%$500$100k6 Month CD
0.65%$500$100k9 Month CD
0.45%$100k-3 Month Jumbo CD
0.35%$500$100k3 Month CD

First Community Credit Union (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$100k-5 Year Jumbo IRA
2.15%$100k-5 Year Jumbo CESA
2.00%$500$100k5 Year IRA
2.00%$500$100k5 Year CESA
1.55%$100k-2 Year Jumbo IRA
1.55%$100k-4 Year Jumbo IRA
1.55%$100k-2 Year Jumbo CESA
1.55%$100k-4 Year Jumbo CESA
1.50%$100k-3 Year Jumbo IRA
1.50%$100k-3 Year Jumbo CESA
1.40%$500$100k2 Year IRA
1.40%$500$100k4 Year IRA
1.40%$100k-1 Year Jumbo IRA
1.40%$100k-1 Year Jumbo CESA
1.40%$500$100k2 Year CESA
1.40%$500$100k4 Year CESA
1.35%$500$100k3 Year IRA
1.35%$500$100k3 Year CESA
1.20%$500$100k1 Year IRA
1.20%$500$100k1 Year CESA
0.75%$100k-6 Month Jumbo IRA
0.75%$100k-6 Month Jumbo CESA
0.65%$500$100k6 Month IRA
0.65%$500$100k6 Month CESA
0.45%$100k-3 Month Jumbo IRA
0.45%$100k-3 Month Jumbo CESA
0.35%$500$100k3 Month IRA
0.35%$500$100k3 Month CESA
Locations

First Community Credit Union (TX) has 15 locations. Click to view all First Community Credit Union (TX) locations.