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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 Basin Credit Union Rates & Review March 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 26, 2026
First Basin Credit Union's 60 month CD of Deposit (CD) rates are at 2.50%, 60 month IRA / CD rates are at 2.50%, 36 month CD of Deposit (CD) rates are at 2.25%, 36 month IRA / CD rates are at 2.25%, 24 month CD of Deposit (CD) rates are at 2.00%. First Basin Credit Union's savings rates are at 0.15%. First Basin Credit Union's money market rates are at 0.50%. First Basin Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of First Basin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.37%. Rates were last updated on 03/26/2026. First Basin 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 Basin Credit Union? Share your experience about First Basin Credit Union by leaving a review below, or read customer reviews before you decide to use First Basin Credit Union. First Basin Credit Union
First Basin Credit Union 7100 E Highway 191
https://www.firstbasin.com Odessa, TX 79765 
First Basin Credit Union CD Rates
First Basin Credit Union Savings Rates
First Basin Credit Union Money Market Rates
First Basin Credit Union Checking Rates
First Basin Credit Union Mortgage Rates
First Basin Credit Union Home Equity & HELOC
First Basin Credit Union Credit Card Rates
First Basin Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Basin 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 Basin 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 Basin Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Basin Credit Union
Website
https://www.firstbasin.com
Address
7100 E Highway 191,
Odessa, TX 79765
Phone
432-333-5600
Fax
President
Sam Gonzalez
CEO
Shem Culpepper
Full-Time Employees
96
Part-Time Employees
0
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.37%
Return on Assets (ROA)
0.8711%
Return on Equity (ROE)
8.1418%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
352,776,708
Total Amount of Shares and Deposits
279,060,044
Total Shares and Deposits < 1 Year
269,949,950
Total Shares and Deposits 1 3 Years
6,422,701
Total Shares and Deposits > 3 Years
2,687,393
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,849,003
Total Uninsured Shares and Deposits > $250K (F+J)
13,849,003
Total Insured Shares and Deposits > $250K (item 17 less item K)
265,211,041
Total Interest Expense (Sum of items 6 8)
1,630,776
Share Certificates
483
Number of Accounts for Share Drafts
21,561
IRA KEOGH Accounts
196
Number of Accounts for Regular Shares
33,659
All other shares
399
Money Market Shares
1,714
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,698,460
Total Liabilities
318,286,865
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Basin Credit UnionIs First Basin Credit Union a safe place to deposit money?Yes, First Basin Credit Union is considered a safe financial institution. With a Texas Ratio of 2.3739488389773%, the institution's financial health is rated as excellent. 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 Basin Credit Union operate?First Basin 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 Basin Credit Union?Yes, to access services at First Basin 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 Basin 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 Basin Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Basin Credit Union offer online and mobile banking?Most modern institutions like First Basin 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.firstbasin.com. Current First Basin Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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