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First Service CU (TX)

Popular Accounts at this Credit Union

2.25%Reward CheckingHigh Yield Checking
2.20%5-year CD60 Month Certificate
1.20%1-year CD12 Month Certificate

Overview / Commentary
16430 Park Ten Pl
Houston, TX 77084

First Service CU (TX) is headquartered in Houston and is the 34th largest credit union in the state of Texas. It is also the 407th largest credit union in the nation. It was established in 1977 and as of September of 2017, it had grown to 173 employees and 57,223 members at 12 locations. First Service CU (TX)'s CD rates are 33% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in First Service Credit Union is open to the people that live within Harris and Waller Counties in Texas. 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.
See current membership details

Related Posts

First Service Credit Union (TX) Boosts All CD Rates To New Highs - 12/21/2016

First Service CU (TX) has raised the rates on all its CDs to competitive levels. All CDs offer two APYs, based on $1k and $50k minimum deposits.

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Reviews (1)

Beware FSCU Early Withdrawal Penalty

Posted by: mez | May 23, 2017

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 - YTD0.34%
Return on Equity - YTD3.7%
Annual Interest Income$21.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$701.3MM$621.1MM
LoansQ3 2017vs Q3 2016$538.9MM$487.5MM
DepositsQ3 2017vs Q3 2016$600.6MM$514.6MM
Equity CapitalQ3 2017vs Q3 2016$63.5MM$61.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$8.1MM$6.0MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$4.6MM$4.0MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* 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
0.30%--Club Account
0.10%--Health Savings Account (HSA)
0.05%$100-Regular Savings
0.05%$100-Youth Savings
0.05%$100-Business Savings
0.05%$100-Organization Savings

First Service CU (TX) Money Market Rates

0.55%*$100k*-Money Market Accounts
OTHER TIERS: 0.30% $2,500 - $50k | 0.40% $50k - $100k

First Service CU (TX) Checking Account Rates

2.25%*-$20kHigh Yield Checking
OTHER TIERS: 0.30% $20k+

First Service CU (TX) CD Rates

2.20%*$50k*-60 Month Certificate
OTHER TIERS: 2.10% $1k - $50k
1.95%*$50k*-48 Month Certificate
OTHER TIERS: 1.85% $1k - $50k
1.70%*$50k*-36 Month Certificate
OTHER TIERS: 1.60% $1k - $50k
1.50%*$50k*-24 Month Certificate
OTHER TIERS: 1.40% $1k - $50k
1.25%*$50k*-18 Month Certificate
OTHER TIERS: 1.15% $1k - $50k
1.20%*$50k*-12 Month Certificate
OTHER TIERS: 1.10% $1k - $50k
0.85%*$50k*-6 Month Certificate
OTHER TIERS: 0.75% $1k - $50k
0.50%$100$50m12 Month Smart Growth Certificate
0.30%*$50k*-3 Month Certificate
OTHER TIERS: 0.20% $1k - $50k

First Service CU (TX) IRA Rates

2.20%$1k-60 Month IRA Certificate
1.95%$1k-48 Month IRA Certificate
1.70%$1k-36 Month IRA Certificate
1.50%$1k-24 Month IRA Certificate
1.25%$1k-18 Month IRA Certificate
1.20%$1k-12 Month IRA Certificate
0.85%$1k-6 Month IRA Certificate
0.30%$1k-3 Month IRA Certificate