First Community Credit Union
Headquarters
Po Box 840129
Houston, TX 77284
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2024 Overview
General Credit Union Information
First Community is an NCUA insured institution located in Houston, TX. It was founded in 1954 and has approximately $2425.89 millions in assets.
Who can join?
Individuals that live, work, worship or go to school within Harris County.
Individuals that live, or work within Fort Bend County and parts of Tomball
Individuals that have a family member who is currently a member with FCCU
Individuals that work for a Select Employer Group (SEG) company
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66818 |
| Date Established | 1954 |
| Assets | $2,425.89 million |
| Loans | $1,778.49 million |
| Deposits | $1,967.12 million |
| Capital | $215.34 million |
Field of Membership Restrictions
Membership is open to those who live or work in Harris, Montgomery or Fort Bend Counties.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.15% | $100 | $24,999 |
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|
| Regular
|
0.25% | $25,000 | $49,999 |
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|
| Regular
|
0.35% | $50,000 | - |
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|
|
Money Market
|
2.00% | $25,000 | $99,999 |
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|
|
Money Market
|
2.25% | $100,000 | $199,999 |
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|
|
Money Market
|
2.50% | $200,000 | $499,999 |
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|
|
Money Market
|
3.00% | $500,000 | $999,999 |
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|
|
Money Market
|
3.60% | $1,000,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.25% | $500 | $100,000 |
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|
| 6 Mo CD
|
3.30% | $100,000 | - |
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|
| 9 Month
|
4.75% | $500 | $100,000 |
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|
| 9 Month
|
4.75% | $100,000 | - |
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|
| 10 Month
|
3.40% | $500 | $100,000 |
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|
| 10 Month
|
3.45% | $100,000 | - |
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|
| 12 Mo CD
|
3.00% | $500 | $100,000 |
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|
| 12 Mo CD
|
3.05% | $100,000 | - |
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|
| 18 Mo CD
|
2.80% | $500 | $100,000 |
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|
| 18 Mo CD
|
2.85% | $100,000 | - |
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|
| 19 Month
|
4.05% | $500 | $100,000 |
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|
| 19 Month
|
4.10% | $100,000 | - |
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|
| 24 Mo CD
|
2.70% | $500 | $100,000 |
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|
| 24 Mo CD
|
2.75% | $100,000 | - |
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|
| 36 Mo CD
|
2.70% | $500 | $100,000 |
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|
| 36 Mo CD
|
2.75% | $100,000 | - |
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|
| 48 Mo CD
|
2.80% | $500 | $100,000 |
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|
| 48 Mo CD
|
2.85% | $100,000 | - |
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|
| 60 Mo CD
|
3.05% | $500 | $100,000 |
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|
| 60 Mo CD
|
3.10% | $100,000 | - |
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|
| 7 Year
|
2.70% | $500 | $100,000 |
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|
| 7 Year
|
2.75% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.15% | $100 | $24,999 | Learn More |
| IRA Savings
|
0.25% | $25,000 | $49,999 | Learn More |
| IRA Savings
|
0.35% | $50,000 | - | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Community
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: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
NMLS ID: 491986 |
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 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to First Community
To upload and update your bank's rates please register.
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Branches
Below are First Community 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 Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 474.14 | A | View Lobby Hours | |
| 950.13 | B | View Lobby Hours | |
| 955.71 | C | View Lobby Hours | |
| 957.88 | D | View Lobby Hours | |
| 960.83 | E | View Lobby Hours | |
| 962.22 | F | View Lobby Hours | |
| 963.89 | G | View Lobby Hours | |
| 964.15 | H | View Lobby Hours | |
| 966.20 | I | View Lobby Hours | |
| 966.46 | J | View Lobby Hours | |
| 966.46 | K | View Lobby Hours | |
| 972.82 | L | View Lobby Hours | |
| 973.91 | M | View Lobby Hours | |
| 978.04 | N | View Lobby Hours | |
| 978.53 | O | View Lobby Hours | |
| 979.64 | P | View Lobby Hours | |
| 979.83 | Q | View Lobby Hours | |
| 980.00 | R | View Lobby Hours | |
| 2069.41 | S | View Lobby Hours |
Climate Policy and Initiatives
FIRST COMMUNITY 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 Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Community. 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 Community | U.S. Average |
|---|---|
| 7.52% | 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 Community had $16,375,968 in non-current loans and $22,211 in owned assets. To cover these potential losses it had $215,337,540 in net worth and $2,856,804 in loans loss reserves. That gives it a Texas Ratio of 7.52%.
Net Worth
| First Community | U.S. Average |
|---|---|
| 8.86% | 13.93% |
First Community FCU has a net worth of 8.86% 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 Community
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