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First Service CU (TX)

Popular Accounts at this Credit Union

2.25%Reward CheckingHigh Yield Checking
2.50%5-year CD60 Month Certificate
1.45%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 35th largest credit union in the state of Texas. It is also the 413th largest credit union in the nation. It was established in 1977 and as of December of 2017, it had grown to 172 employees and 57,877 members at 12 locations. First Service CU (TX)'s CD rates are 61% 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

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Reviews (2)


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.

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 - YTD0.62%
Return on Equity - YTD6.64%
Annual Interest Income$28.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$696.9MM$622.2MM
LoansQ4 2017vs Q4 2016$543.5MM$491.1MM
DepositsQ4 2017vs Q4 2016$598.9MM$517.2MM
Equity CapitalQ4 2017vs Q4 2016$65.4MM$61.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$7.8MM$6.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.2MM$4.8MM
Real Estate OwnedQ4 2017vs Q4 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

2.50%*$50k*-60 Month Certificate
OTHER TIERS: 2.40% $1k - $50k
2.25%*$50k*-48 Month Certificate
OTHER TIERS: 2.15% $1k - $50k
2.00%*$50k*-36 Month Certificate
OTHER TIERS: 1.90% $1k - $50k
1.80%*$50k*-24 Month Certificate
OTHER TIERS: 1.70% $1k - $50k
1.50%*$50k*-18 Month Certificate
OTHER TIERS: 1.40% $1k - $50k
1.45%*$50k*-12 Month Certificate
OTHER TIERS: 1.35% $1k - $50k
1.10%*$50k*-6 Month Certificate
OTHER TIERS: 1.00% $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

2.50%$1k-60 Month IRA Certificate
2.25%$1k-48 Month IRA Certificate
2.00%$1k-36 Month IRA Certificate
1.80%$1k-24 Month IRA Certificate
1.50%$1k-18 Month IRA Certificate
1.45%$1k-12 Month IRA Certificate
1.10%$1k-6 Month IRA Certificate
0.30%$1k-3 Month IRA Certificate