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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Watch Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
First Watch Federal Credit Union's 3 month Term CDs - Penalty will or may be imposed for early withdrawal. Minimum of rates are at 3.60%, 6 month Term CDs - Penalty will or may be imposed for early withdrawal. Minimum of rates are at 3.55%, 12 month Term CDs - Penalty will or may be imposed for early withdrawal. Minimum of rates are at 3.50%, 3 month Term CDs - Penalty will or may be imposed for early withdrawal. Minimum of rates are at 3.40%, 6 month Term CDs - Penalty will or may be imposed for early withdrawal. Minimum of rates are at 3.35%. First Watch Federal Credit Union's savings rates are at 0.05%. First Watch Federal Credit Union's money market rates are at 0.65%. First Watch Federal Credit Union's Personal Loan Rates are at 9.69%. MonitorBankRates evaluates the financial stability of First Watch Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/28/2026. First Watch Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Watch Federal Credit Union? Share your experience about First Watch Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Watch Federal Credit Union. First Watch Federal Credit Union
Main Office Pine 1118 Pine St
https://www.myfwcu.org Abilene, TX 79601 3529 
First Watch Federal Credit Union CD Rates
First Watch Federal Credit Union Savings Rates
First Watch Federal Credit Union Money Market Rates
First Watch Federal Credit Union Home Equity & HELOC
First Watch Federal Credit Union Credit Card Rates
First Watch Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Watch Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Watch Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Watch Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Watch Federal Credit Union
Website
https://www.myfwcu.org
Address
1118 Pine St,
Abilene, TX 79601 3529
Phone
325-670-2429
Fax
325-670-2588
President
Doug Hall
CEO
Megan Allred
Full-Time Employees
29
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.0331%
Return on Equity (ROE)
0.3381%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
99,404,545
Total Amount of Shares and Deposits
89,452,737
Total Shares and Deposits < 1 Year
88,835,110
Total Shares and Deposits 1 3 Years
617,627
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,759,437
Total Uninsured Shares and Deposits > $250K (F+J)
5,759,437
Total Insured Shares and Deposits > $250K (item 17 less item K)
83,693,300
Total Interest Expense (Sum of items 6 8)
803,324
Share Certificates
409
Number of Accounts for Share Drafts
5,724
IRA KEOGH Accounts
152
Number of Accounts for Regular Shares
10,146
All other shares
552
Money Market Shares
399
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,438,582
Total Liabilities
89,815,868
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Watch Federal Credit UnionIs First Watch Federal Credit Union a safe place to deposit money?Yes, First Watch Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Watch Federal Credit Union operate?First Watch Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Watch Federal Credit Union?Yes, to access services at First Watch Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Watch Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Watch Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Watch Federal Credit Union offer online and mobile banking?Most modern institutions like First Watch Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myfwcu.org. Current First Watch Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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