Overview / Commentary
16430 Park Ten Pl
Houston, TX 77084

First Service CU (TX) is headquartered in Houston and is the 33rd largest credit union in the state of Texas. It is also the 417th largest credit union in the nation. It was established in 1977 and as of June of 2018, it had grown to 186 employees and 58,743 members at 14 locations. First Service CU (TX)'s CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in First Service Credit Union is open to individuals who live, work, worship, or attend school in Fort Bend, Harris, or 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) 48-Month CD Earns Up To 3.25% APY - 8/2/2018

First Service CU (Texas) has raised the rates on its 48-month Certificate, which now earns 3.15% APY ($1k - $49,999), or 3.25% APY ($50k+).

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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 - YTD0.79%
Return on Equity - YTD8.36%
Annual Interest Income$14.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$719.7MM$679.9MM
LoansQ2 2018vs Q2 2017$575.6MM$523.4MM
DepositsQ2 2018vs Q2 2017$587.1MM$586.6MM
Equity CapitalQ2 2018vs Q2 2017$67.2MM$62.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$7.0MM$8.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$3.6MM$3.2MM
Real Estate OwnedQ2 2018vs Q2 2017$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
0.30%$5-Club Savings Account
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

First Service CU (TX) Money Market Rates

0.85%*$100k*-Business Money Market Account
OTHER TIERS: 0.60% $2.5k - $50k | 0.70% $50k - $100k
0.75%*$100k*-Money Market Account
OTHER TIERS: 0.50% $2.5k - $50k | 0.60% $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

3.35%*$50k*-60 Month Certificate
OTHER TIERS: 3.25% $1k - $50k
3.25%*$50k*-48 Month Certificate
OTHER TIERS: 3.15% $1k - $50k
3.10%*$50k*-36 Month Certificate
OTHER TIERS: 3.00% $1k - $50k
2.85%*$50k*-24 Month Certificate
OTHER TIERS: 2.75% $1k - $50k
2.60%*$50k*-18 Month Certificate
OTHER TIERS: 2.50% $1k - $50k
2.45%*$50k*-12 Month Certificate
OTHER TIERS: 2.35% $1k - $50k
2.10%*$50k*-6 Month Certificate
OTHER TIERS: 2.00% $1k - $50k
1.10%*$50k*-3 Month Certificate
OTHER TIERS: 1.00% $1k - $50k
0.50%$100$50m12 Month Smart Growth Certificate

First Service CU (TX) IRA Rates

3.35%$1k-60 Month IRA Certificate
3.25%$1k-48 Month IRA Certificate
3.10%$1k-36 Month IRA Certificate
2.85%$1k-24 Month IRA Certificate
2.60%$1k-18 Month IRA Certificate
2.45%$1k-12 Month IRA Certificate
2.10%$1k-6 Month IRA Certificate
1.10%$1k-3 Month IRA Certificate


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