First Service CU (TX)

Overview / Commentary
16430 Park Ten Pl
Houston, TX 77084

First Service CU (TX) is headquartered in Houston and is the 26th largest credit union in the state of Texas. It is also the 354th largest credit union in the nation. It was established in 1977 and as of March of 2024, it had grown to 256 employees and 97,847 members at 15 locations. First Service CU (TX)'s CD rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in First Service Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Austin, Brazoria, Chambers, Fort Bend, Galveston, Grimes, Harris, Liberty, Matagorda, Montgomery, San Jacinto, Walker, Waller or, Wharton, or the Conroe ISD or Magnolia ISD. Membership is also open to employees of Halliburton, KBR, NRG, CenterPoint, Kinder Morgan, Baker Hughes and other Select Employer Groups, and to the family of current members.
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Reviews (3)


This bank started out good then some things came to light in the past month that sadly is making think of a new bank. to start phone customer service can not do anything, there answer is to always go to a branch. Called them a couple months ago to increase the ATM withdraw limit so i could get a money order to pay rent, and they tell me they cant do that?. they could not increase my daily limit. it took a half hour and two managers to get it done.

Next and heres the one thats making me leave. They have NO fraud department. Got about 300 dollars taken out of my account my someone who got my card info. Called customer service and the answer was to go to a branch and fill out a paper forum likes its 1990. witch they say they send to visa(cause they dont intestate at all on their end) and i might get my money back in a couple of weeks. meanwhile i have 20 dollars for the rest of the week until payday.

One thing i did like about them is they do not put holds on payroll checks if you have the pay stub.

Bad Service

Posted by: |

I would give them zero star if I could! Their online banking is a joke. Customer service is even worse! They allow you to setup external accounts. But you CANNOT transfer fund to external accounts. You can ONLY transfer from the external accounts to FSCU!. I wanted to transfer my money from FSCU to my external account.But messed up the from and to accounts. So the transfer became from my external account to FSCU. A FSCU associate called me minutes later to confirm the transfer. After I told her I actually wanted to transfer the money out, she told me that I actually scheduled a transfer in. I said please cancel the transfer and she agreed. But this is not the end of the story. On the second day, I found out that they actually draw the money from my external account!!! I called them and asked them why they still draw the fund from my external account after I told them to cancel. They told me once the transfer is scheduled, they cannot cancel it. Can you believe this? They called me minutes after I scheduled the transfer (to confirm) and now they are saying they cannot cancel the it! Why would they call me if they cannot do anything on the transfer!?

Beware FSCU Early Withdrawal Penalty

Posted by: |

FSCU's long term interest rates may be outstanding sometimes but note the outrageous (dare I say "unconscionable?") early withdrawal penalty. FSCU could confiscate years' worth of interest--even taking it out of your principal:

"7. Early Withdrawal Penalty
"We may impose a penalty if you withdraw from your account before the maturity date.
"Amount of Penalty.
"The amount of the penalty is half of the interest that would be earned on the account from the date of withdrawal through the maturity date
"How the Penalty Works.
"The penalty is calculated as a forfeiture of part of the interest that would be earned on the account. If the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal."


Health Grade Components

NCUA #68605
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.43%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.33B$1.39B
LoansQ1 2024vs Q1 2023$988MM$1.05B
DepositsQ1 2024vs Q1 2023$1.14B$1.11B
Equity CapitalQ1 2024vs Q1 2023$141.7MM$134.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.7MM$7.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.3MM$5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Service CU (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 Service CU (TX) Savings Account Rates

0.60%*$50k*-IRA Share
OTHER TIERS: 0.30% $100 - $50k
0.60%*$50k*-Coverdell ESA Share
OTHER TIERS: 0.30% $100 - $50k
0.30%$5-Holiday Club
0.10%$5-Health Savings Account (HSA)
0.05%$100-Primary Savings Account
0.05%$100-Discovery Youth Savings Account
0.05%$100-Business Savings
0.05%$100-Non Profit Organization Savings
0.05%$100-Secondary Savings Account

First Service CU (TX) Money Market Rates

1.25%*$500k*-Money Market Account
OTHER TIERS: 0.10% $0 - $2.5k | 1.00% $2.5k - $25k | 1.05% $25k - $50k | 1.10% $50k - $100k | 1.15% $100k - $250k | 1.20% $250k - $500k
1.25%*$500k*-Business Money Market Account
OTHER TIERS: 0.10% $0 - $2.5k | 1.00% $2.5k - $25k | 1.05% $25k - $50k | 1.10% $50k - $100k | 1.15% $100k - $250k | 1.20% $250k - $500k

First Service CU (TX) Checking Account Rates

1.00%*$0$20kHigh Yield Checking
OTHER TIERS: 0.05% $20k+

First Service CU (TX) CD Rates

5.00%$50k-12 Month Jumbo Certificate
5.00%$50k-12 Month Bump Up Jumbo Certificate
4.90%$1k$50k12 Month Certificate
4.90%$100$50m12 Month Smart Growth Certificate
4.90%$50k-6 Month Jumbo Certificate
4.90%$1k$50k12 Month Bump Up Certificate
4.85%$50k-18 Month Jumbo Certificate
4.85%$50k-18 Month Bump Up Jumbo Certificate
4.80%$1k$50k6 Month Certificate
4.75%$1k$50k18 Month Certificate
4.75%$1k$50k18 Month Bump Up Certificate
4.55%$50k-24 Month Jumbo Certificate
4.45%$1k$50k24 Month Certificate
4.40%$50k-36 Month Jumbo Certificate
4.30%$1k$50k36 Month Certificate
4.25%$50k-48 Month Jumbo Certificate
4.20%$50k-60 Month Jumbo Certificate
4.15%$1k$50k48 Month Certificate
4.10%$1k$50k60 Month Certificate

First Service CU (TX) IRA Rates

5.00%$1k-12 Month IRA Certificate
4.90%$1k-6 Month IRA Certificate
4.85%$1k-18 Month IRA Certificate
4.55%$1k-24 Month IRA Certificate
4.40%$1k-36 Month IRA Certificate
4.25%$1k-48 Month IRA Certificate
4.20%$1k-60 Month IRA Certificate


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