First Class American Credit Union
Our records indicate that this credit union has been acquired by UNITED TEXAS.
Headquarters
2595 Polaris Dr
Fort Worth, TX 76137
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2024 Overview
General Credit Union Information
First Class American is an NCUA insured institution located in Fort Worth, TX. It was founded in 1929 and has approximately $60.04 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67652 |
| Date Established | 1929 |
| Assets | $60.04 million |
| Loans | $39.99 million |
| Deposits | $55.03 million |
| Capital | $4.25 million |
Field of Membership Restrictions
Membership eligibility to join the First Class American Credit Union of Texas is open to the residents, church members, and the people that maintain employment within Forth Worth Texas, and the US Postal Workers that live in the following zip codes, or their family members: 76000-76499, 76800-76999, and 79500-79699. Membership eligibility also extends to include the members of the National Association for Retired Credit Union People, the residents, church members, registered students, and people that maintain employment within a 10-mile distance of FCACU including the areas under the zip codes that are posted on the credit union website, employees that work for any of the qualified credit union affiliated select employer groups, anyone receiving Social Security within the pre-qualified counties, and the family members of existing credit union members.
Deposit Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.06% | $100,000 | $199,999 |
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|
Loan Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Class American
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.879% | 6.750% | 1.00 | $4,432 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 3029 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to First Class American
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Branches
Below are First Class American branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
First Class American Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 904.64 | A | View Lobby Hours | |
| 910.62 | B | View Lobby Hours |
Climate Policy and Initiatives
FIRST CLASS AMERICAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
First Class American Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Class American. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| First Class American | U.S. Average |
|---|---|
| 2.05% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, First Class American had $91,599 in non-current loans and $0 in owned assets. To cover these potential losses it had $4,245,763 in net worth and $213,620 in loans loss reserves. That gives it a Texas Ratio of 2.05%.
Net Worth
| First Class American | U.S. Average |
|---|---|
| 7.07% | 13.93% |
First Class American FCU has a net worth of 7.07% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First Class American
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