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First Central Credit Union

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First Central Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Central Credit Union?

Current rates for First Central Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.55%, 60-Month CD: 3.15%, Savings: 0.50%, MMA: 2.25%

Q: What CD terms does First Central Credit Union offer?

First Central Credit Union CD rates are 3.50% APY for a 12 month CD, 4.00% APY for a 13 month CD, 3.55% APY for a 2 year CD, 3.80% APY for a 25 month CD, 3.25% APY for a 3 year CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Central Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

First Central Credit Union's 13 Month Term CD rates are at 4.00%, 25 Month Term CD rates are at 3.80%, 2 Year Term CD rates are at 3.55%, 1 Year Term CD rates are at 3.50%, 3 Year Term CD rates are at 3.25%. First Central Credit Union's savings rates are at 0.50%. First Central Credit Union's money market rates are at 2.25%. First Central Credit Union's checking rates are as high as 5.00%. First Central Credit Union's Personal Loan Rates are as low as 10.50%. First Central Credit Union's Credit Card Rates are at 11.24%. First Central Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Central Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Rates last updated and verified on 10/30/2026.

First Central 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 Central Credit Union? Share your experience about First Central Credit Union by leaving a review below, or read customer reviews before you decide to use First Central Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

First Central Credit Union
Sanger Office

6201 Sanger Ave
Waco, TX 76710

https://www.firstcentralcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Central Credit Union CD Rates

Product	Rate	APY	Term
13 Month Term Share Certificate	3.94%	4.00%	13 months
Min Deposit $1,000 Details Non-renewable. Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
25 Month Term Share Certificate	3.75%	3.80%	25 months
Min Deposit $1,000 Details Non-renewable. Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 10, 20263.80%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
2 Year IRA Term Share Certificate	3.50%	3.55%	2 years
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
2 Year Term Share Certificate	3.50%	3.55%	2 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
1 Year IRA Term Share Certificate	3.45%	3.50%	1 year
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
1 Year Term Share Certificate	3.45%	3.50%	1 year
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Year IRA Term Share Certificate	3.21%	3.25%	3 years
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Year Term Share Certificate	3.21%	3.25%	3 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
5 Year IRA Term Share Certificate	3.11%	3.15%	5 years
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
5 Year Term Share Certificate	3.11%	3.15%	5 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
4 Year IRA Term Share Certificate	3.06%	3.10%	4 years
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
4 Year Term Share Certificate	3.06%	3.10%	4 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month IRA Term Share Certificate	2.97%	3.00%	6 months
Min Deposit $1,000 Details Penalty for early withdrawal; Effective 02/10/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Term Share Certificate	2.97%	3.00%	6 months
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 09/21/26. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Term Share Certificate	3.50%	3.55%	2 years
Min Deposit $1,000 Details Effective 02/10/25; Penalty for early withdrawal; Business term share certificates of 24, 36, 48, or 60 months are eligible to adjust to higher current rate one time during term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 2 years	3.50%	3.55%	2 years
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 1 year	3.45%	3.50%	1 year
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Year Business Term Share Certificate	3.21%	3.25%	3 years
Min Deposit $1,000 Details Effective 02/10/25; Penalty for early withdrawal; Business term share certificates of 24, 36, 48, or 60 months are eligible to adjust to higher current rate one time during term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 3 years	3.21%	3.25%	3 years
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
5 Year Business Term Share Certificate	3.11%	3.15%	5 years
Min Deposit $1,000 Details Effective 02/10/25; Penalty for early withdrawal; Business term share certificates of 24, 36, 48, or 60 months are eligible to adjust to higher current rate one time during term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 5 years	3.11%	3.15%	5 years
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
4 Year Business Term Share Certificate	3.06%	3.10%	4 years
Min Deposit $1,000 Details Effective 02/10/25; Penalty for early withdrawal; Business term share certificates of 24, 36, 48, or 60 months are eligible to adjust to higher current rate one time during term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 4 years	3.06%	3.10%	4 years
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Business Term Share Certificate	2.97%	3.00%	6 months
Min Deposit $1,000 Details Effective 02/10/25; Penalty for early withdrawal; Business term share certificates of 24, 36, 48, or 60 months are eligible to adjust to higher current rate one time during term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Savings Rates

Product	Rate	APY
IRA Savings - Regular, Roth & Educational	0.499%	0.50%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Dream Club (Monthly)	0.35%	0.35%
Min Balance $100 Details Minimum balance to earn interest is $100.00; interest compounded and paid monthly on the daily balance; full balance withdrawn and paid to member every November Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Dream Savings (Monthly)	0.35%	0.35%
Min Balance $100 Details Minimum balance to earn interest is $100.00; interest compounded and paid monthly on the daily balance; interest paid last day of the month Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Regular Share Account	0.35%	0.35%
Min Balance $5 Details Minimum balance to earn interest is $100.00; interest compounded and paid quarterly on the daily balance; four (4) free withdrawals per month, $3.00 fee per withdrawal over four Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
TUTMA Savings	0.35%	0.35%
Min Deposit $5 Min Balance $100 Details Ages: birth-21; $5 balance to avoid account closure; $100 average daily balance to obtain disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Account	0.35%	0.35%
Min Balance $5 Details Minimum balance to earn interest is $100.00; interest compounded and paid quarterly on the daily balance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Money Market Rates

Product	Rate	APY
Money Market (First Fund)	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000 and Greater; Interest calculated, compounded, and paid monthly on the daily balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Interest calculated, compounded, and paid monthly on the daily balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Interest calculated, compounded, and paid monthly on the daily balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Interest calculated, compounded, and paid monthly on the daily balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	0.99%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Minimum balance of $2,500 required for the higher interest rate; Interest calculated, compounded, and paid monthly on the daily balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $2,499.99; Dividend Rate 0.35%; Interest calculated, compounded, and paid monthly on the daily balance; $3.00 fee not applicable; no more than six pre-authorized transfers per month, three by check/draft/debit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.99%	1.00%
Min Balance $2,500 Details Balance: $2,500+; Minimum balance is $2,500 to earn the higher interest rate. Monthly service charge of $20 with an average balance below $2,500. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	5.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Refunds on ATM withdrawal fees, nationwide; If qualifications are not met, all balances earn 0.05% APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kasasa Cash Checking	4.889%	5.00%
Details Qualifications Required; Balance: Up to $10,000.00; Qualifying balance up to $10,000.00; Effective 09/01/23 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Oct 14, 20265.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000 and Greater Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	0.99%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 1.00% ▲ 0.65 pts · high 1.00% / low 0.35% Oct 19, 20261.00%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.499%	0.50%
Min Balance $15,000 Details Balance: $15,000 and Greater Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.349%	0.35%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.15%	0.15%
Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Student Checking	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Super Saver Checking	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 1st Lien	-	-	5.55%	5 years
Details As Low As; Range: 5.55% - 10.85%; Maximum Term: 5 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 1st Lien	-	-	6.05%	7 years
Details As Low As; Range: 6.05% - 11.35%; Maximum Term: 7 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 1st Lien	-	-	6.55%	10 years
Details As Low As; Range: 6.55% - 11.85%; Maximum Term: 10 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 2nd Lien	-	-	6.55%	5 years
Details As Low As; Range: 6.55% - 12.35%; Maximum Term: 5 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 1st Lien	-	-	6.80%	15 years
Details As Low As; Range: 6.80% - 12.10%; Maximum Term: 15 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 1st Lien	-	-	7.05%	20 years
Details As Low As; Range: 7.05% - 12.35%; Maximum Term: 20 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 2nd Lien	-	-	7.05%	7 years
Details As Low As; Range: 7.05% - 12.85%; Maximum Term: 7 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 2nd Lien	-	-	7.55%	10 years
Details As Low As; Range: 7.55% - 13.35%; Maximum Term: 10 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 2nd Lien	-	-	7.80%	15 years
Details As Low As; Range: 7.80% - 13.60%; Maximum Term: 15 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity - 2nd Lien	-	-	8.05%	20 years
Details As Low As; Range: 8.05% - 13.85%; Maximum Term: 20 years; Effective 12/18/2025; Property must be within 200-mile radius of a branch location; rates determined by credit history Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	4.54%	1 - 36 months
Details As Low As; APR range 4.54% - 17.45%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.54% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.69%	37 - 48 months
Details As Low As; APR range 4.69% - 17.69%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.69% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.84%	49 - 66 months
Details As Low As; APR range 4.84% - 17.84%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.84%	67 - 72 months
Details As Low As; APR range 4.84% - 17.84%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	1 - 18 months
Details As Low As; APR range 4.84% - 18.00%; Model Year: '17 & older Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	24 - 30 months
Details As Low As; APR range 4.84% - 18.00%; Model Year: '18 - '19 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	36 - 42 months
Details As Low As; APR range 4.84% - 18.00%; Model Year: '20 - '21 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	48 - 60 months
Details As Low As; APR range 4.84% - 18.00%; Model Year: '22 - '23 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	60 - 72 months
Details As Low As; APR range 4.84% - 17.84%; Model Year: '24 - '26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	5.84%	73 - 84 months
Details As Low As; APR range 5.84% - 10.09%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.04%	1 - 36 months
Details As Low As; Range: 6.04% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.19%	37 - 48 months
Details As Low As; Range: 6.19% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.19% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.34%	49 - 66 months
Details As Low As; Range: 6.34% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.34%	67 - 72 months
Details As Low As; Range: 6.34% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	1 months
Details Term: 1 - 18 months ('17 & older); As Low As; Range: 6.34% - 18.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	24 months
Details Term: 24 - 30 months ('18 - '19); As Low As; Range: 6.34% - 18.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	36 months
Details Term: 36 - 42 months ('20 - '21); As Low As; Range: 6.34% - 18.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	48 months
Details Term: 48 - 60 months ('22 - '23); As Low As; Range: 6.34% - 18.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	60 months
Details Term: 60 - 72 months ('24 - '26); As Low As; Range: 6.34% - 18.00% Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	1 - 18 months
Details As Low As; APR range 6.34% - 18.00%; Model Year: '17 & older Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	24 - 30 months
Details As Low As; APR range 6.34% - 18.00%; Model Year: '18 - '19 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	36 - 42 months
Details As Low As; APR range 6.34% - 18.00%; Model Year: '20 - '21 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	48 - 60 months
Details As Low As; APR range 6.34% - 18.00%; Model Year: '22 - '23 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	60 - 72 months
Details As Low As; APR range 6.34% - 18.00%; Model Year: '24 - '26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	7.34%	73 - 84 months
Details As Low As; Range: 7.34% - 11.59%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.34% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Card Premium/Lifestyle	-	11.24%
Details Intro/promo APR: 8.90%; Purchase APR; Intro rate expires: 6 months; Regular APR: 11.24% - 18.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Lifestyle Credit Card	-	11.49%
Details Published APR range: 11.49% - 18.00%. 8.90% introductory APR for six (6) months; after that APR based on creditworthiness, 11.49% - 18.00%; APR for Purchases varies with the Prime Rate Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card Rewards	-	13.24%
Details Intro/promo APR: 8.90%; Purchase APR; Intro rate expires: 6 months; Regular APR: 13.24% - 18.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 13.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Lifestyle Credit Card	-	13.49%
Details Published APR range: 13.49% - 18.00%. Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%; Introductory APR applies to purchases, balance transfers and cash advances Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 11.49% → 13.49% ▲ 2.00 pts · high 13.49% / low 11.49% Oct 19, 202613.49%▲ from 11.49% Oct 10, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card Secured	-	15.74%
Details Intro/promo APR: 8.90%; Purchase APR; Intro rate expires: 6 months; Regular APR: 15.74% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 15.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	1 - 84 months
Details APR range: 10.50% - 18.00%; Maximum Amount: $801 - $30,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Small Dollar Personal Loan	12.75%	1 - 6 months
Details APR range: 12.75% - 28.00%; Maximum Amount: $800 and Below; Small personal loans of $800 or less will incur a $20 application fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Farm Equipment (New or Pre-owned)	-	-	7.30%	1 - 72 months
Details APR range: 7.30% - 17.80%; Maximum Amount: 100% of purchase price; maximum amount not to exceed 72 months; Effective 03/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Term Share Certificate - 6 months	2.97%	-	3.00%	6 months
Min Deposit $1,000 Details Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kasasa Saver Savings	1.982%	-	2.00%
Details Qualifications Required; Qualifying balance up to $20,000.00; Balance: Up to $20,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 2.00% ▲ 1.95 pts · high 2.00% / low 0.05% Oct 14, 20262.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kirby Kangaroo	0.35%	-	0.35%
Min Deposit $5 Min Balance $25 Details Ages: 0-12; Child must be present to receive Kirby Kangaroo prize; $5 balance to avoid account closure; $25 average daily balance to obtain disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Regular, Roth & Educational	0.499%	-	0.50%
Details Account type as printed in table; no term shown; table heading not identifiable in page context Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Youth Account	0.35%	-	0.35%
Min Deposit $5 Min Balance $25 Details Ages: 13-17; $5 balance to avoid account closure; $25 average daily balance to obtain disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Central Credit Union’s Texas Ratio stayed near 6.17% in Q3 2023 to 6.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$192M	6.12%	5.0	A
March 31, 2026	$188M	5.80%	5.0	A+
December 31, 2025	$181M	8.36%	5.0	A
September 30, 2025	$178M	8.18%	5.0	A
June 30, 2025	$175M	8.57%	5.0	A
March 31, 2025	$176M	9.28%	5.0	A
December 31, 2024	$169M	10.69%	5.0	A
September 30, 2024	$169M	9.63%	5.0	A
June 30, 2024	$172M	7.71%	5.0	A
March 31, 2024	$171M	6.74%	5.0	A
December 31, 2023	$166M	7.33%	5.0	A
September 30, 2023	$154M	6.17%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Central 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 Central 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 Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Central Credit Union

Website https://www.firstcentralcu.com

Address 6201 Sanger Ave, Waco, TX 76710

Phone 254-776-9333

Fax 254-741-2212

President Lori Alambar

CEO JoBetsy Tyler

Full-Time Employees 57

Part-Time Employees 14

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.12%

Return on Assets (ROA)

0.5972%

Return on Equity (ROE)

3.7928%

Non-Performing Loans Ratio (NPL)

1.95%

Total Assets

191,743,660

Total Amount of Shares and Deposits

160,196,680

Total Shares and Deposits < 1 Year

144,666,288

Total Shares and Deposits 1 3 Years

15,063,244

Total Shares and Deposits > 3 Years

467,148

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,231,577

Total Uninsured Shares and Deposits > $250K (F+J)

8,434,577

Total Insured Shares and Deposits > $250K (item 17 less item K)

151,762,103

Total Interest Expense (Sum of items 6 8)

1,233,006

Share Certificates

1,250

Number of Accounts for Share Drafts

15,050

IRA KEOGH Accounts

301

Number of Accounts for Regular Shares

23,155

All other shares

316

Non Member Deposits

Money Market Shares

118

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,244,890

Total Liabilities

163,709,068

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Central Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Central Credit Union

Does First Central Credit Union offer CDs?

Yes. First Central Credit Union current CD rates include its 13 Month Term CD at 4.00% APY, its 25 Month Term CD at 3.80% APY and its 2 Year Term CD at 3.55% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from First Central Credit Union NCUA insured?

Yes. First Central Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Central Credit Union?

The highest First Central Credit Union CD rate is its 13 Month Term CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does First Central Credit Union offer?

First Central Credit Union CD rates are 3.50% APY for a 12 month CD, 4.00% APY for a 13 month CD, 3.55% APY for a 2 year CD, 3.80% APY for a 25 month CD, 3.25% APY for a 3 year CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Central Credit Union for its full lineup.

What is the highest savings rate at First Central Credit Union?

The highest First Central Credit Union savings rate is its IRA Savings - Regular, Roth & Educational at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at First Central Credit Union?

The highest First Central Credit Union money market rate is its Money Market (First Fund) at 2.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at First Central Credit Union?

The highest First Central Credit Union checking rate is its Free Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at First Central Credit Union?

The lowest First Central Credit Union auto loan rate is its New Autos at 4.54% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at First Central Credit Union?

The lowest First Central Credit Union personal loan rate is its Personal Loan at 10.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at First Central Credit Union?

The lowest First Central Credit Union credit card APR is its VISA Credit Card Premium/Lifestyle at 11.24% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does First Central Credit Union operate?

First Central 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 Central Credit Union?

Yes, to access services at First Central 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 Central 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 Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Central Credit Union offer online and mobile banking?

Most modern institutions like First Central 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.firstcentralcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Central Credit Union rates compare?

First Central Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A health rating. First Central Credit Union's top rates are its 13 Month Term CD at 4.00% APY, its IRA Savings - Regular, Roth & Educational at 0.50% APY, its Money Market (First Fund) at 2.25% APY, its Free Kasasa Cash Checking at 5.00% APY, its Personal Loan at 10.50% APR and its VISA Credit Card Premium/Lifestyle at 11.24% APR, verified by MonitorBankRates on October 30, 2026.

Current First Central Credit Union Rates

12-Month CD3.50%
24-Month CD3.55%
60-Month CD3.15%
Savings0.50%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Central Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Central Credit Union Texas Ratio

First Central Credit Union Health Trend

First Central Credit Union CD Rates

First Central Credit Union Business CD Rates

First Central Credit Union Savings Rates

First Central Credit Union Business Savings Rates

First Central Credit Union Money Market Rates

First Central Credit Union Business Money Market Rates

First Central Credit Union Checking Rates

First Central Credit Union Business Checking Rates

First Central Credit Union Home Equity & HELOC

First Central Credit Union Auto Loan Rates

First Central Credit Union Credit Card Rates

First Central Credit Union Personal Loan Rates

First Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Central Credit Union

Does First Central Credit Union offer CDs?

Are CDs from First Central Credit Union NCUA insured?

What is the highest CD rate at First Central Credit Union?

What CD terms does First Central Credit Union offer?

What is the highest savings rate at First Central Credit Union?

What is the highest money market rate at First Central Credit Union?

What is the highest checking rate at First Central Credit Union?

What is the lowest auto loan rate at First Central Credit Union?

What is the lowest personal loan rate at First Central Credit Union?

What is the lowest credit card APR at First Central Credit Union?

How many branches does First Central Credit Union operate?

Is a member application needed to join First Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Central Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Central Credit Union rates compare?

Current First Central Credit Union Rates

Compare to Other Credit Unions