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 FirstCity 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.
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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
FirstCity Credit Union's 5 Year Term CD and Regular IRA CD Accounts rates are at 3.40%, 5 Year Term CD and Regular IRA CD Accounts rates are at 3.30%, 18 month Term CD and Regular IRA CD Accounts rates are at 3.25%, 5 Year Term CD and Regular IRA CD Accounts rates are at 3.20%, 18 month Term CD and Regular IRA CD Accounts rates are at 3.15%. FirstCity Credit Union's savings rates are at 0.05%. FirstCity Credit Union's money market rates are at 0.90%. FirstCity Credit Union's 15-Year Fixed Rate Mortgages rates are at 5.25%, 15-Year Fixed Rate Mortgages rates are at 5.25%, 10/6 ARM rates are at 5.00%, 30-Year Fixed Rate Mortgages rates are at 6.00%, 7/6 ARM rates are at 4.75%. FirstCity Credit Union's Personal Loan Rates are at 10.74%. MonitorBankRates evaluates the financial stability of FirstCity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates were last updated on 03/26/2026. FirstCity 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 FirstCity Credit Union? Share your experience about FirstCity Credit Union by leaving a review below, or read customer reviews before you decide to use FirstCity Credit Union. 
FirstCity Credit Union CD Rates
FirstCity Credit Union Savings Rates
FirstCity Credit Union Money Market Rates
FirstCity Credit Union Checking Rates
FirstCity Credit Union Mortgage Rates
FirstCity Credit Union Home Equity & HELOC
FirstCity Credit Union Auto Loan Rates
FirstCity Credit Union Credit Card Rates
FirstCity Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FirstCity 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 FirstCity 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 FirstCity Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FirstCity Credit Union
Website
https://firstcitycu.org
Address
500 W Woodbury Rd,
Altadena, CA 91001 5410
Phone
800-944-2200
Fax
213-461-4622
President
Micheal Steinberger
CEO
Navneet Khanna
Full-Time Employees
111
Part-Time Employees
0
Branch Locations
7
ATM Locations
6
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
1.12%
Return on Assets (ROA)
0.2583%
Return on Equity (ROE)
1.9082%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
927,556,129
Total Amount of Shares and Deposits
797,465,713
Total Shares and Deposits < 1 Year
765,218,485
Total Shares and Deposits 1 3 Years
23,566,132
Total Shares and Deposits > 3 Years
8,681,097
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,021,434
Total Uninsured Shares and Deposits > $250K (F+J)
88,021,434
Total Insured Shares and Deposits > $250K (item 17 less item K)
709,444,279
Total Interest Expense (Sum of items 6 8)
6,191,068
Share Certificates
3,625
Number of Accounts for Share Drafts
37,273
IRA KEOGH Accounts
787
Number of Accounts for Regular Shares
59,231
Money Market Shares
2,314
Net Income (unless the amount is already included in Undivided Earnings)
2,396,231
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
115,054,631
Total Liabilities
845,767,807
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About FirstCity Credit UnionIs FirstCity Credit Union a safe place to deposit money?Yes, FirstCity Credit Union is considered a safe financial institution. With a Texas Ratio of 1.1171065063272%, 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 FirstCity Credit Union operate?FirstCity 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 FirstCity Credit Union?Yes, to access services at FirstCity 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, FirstCity 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, FirstCity Credit Union provides members with tools to manage their accounts and build a solid financial history. Does FirstCity Credit Union offer online and mobile banking?Most modern institutions like FirstCity 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://firstcitycu.org. Current FirstCity Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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