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FirstCity Credit Union

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FirstCity Credit Union Rates & Review November 2026

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

Current rates for FirstCity Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.05%, 24-Month CD: 3.10%, 60-Month CD: 3.20%, Savings: 0.05%, MMA: 1.05%

Q: What CD terms does FirstCity Credit Union offer?

FirstCity Credit Union CD rates are 3.20% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.30% APY for a 4 year CD and 3.40% 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 FirstCity Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

FirstCity Credit Union's 5 Year Term CD rates are at 3.40%, 2 Year Term CD rates are at 3.30%, 4 Year Term CD rates are at 3.30%, 18 Month Term CD rates are at 3.25%, 1 Year Term CD rates are at 3.20%. FirstCity Credit Union's savings rates are at 0.05%. FirstCity Credit Union's money market rates are at 1.05%. FirstCity Credit Union's checking rates are as high as 0.03%. FirstCity Credit Union's Adjustable Rate Mortgage - 5/6 ARM rates are at 5.75%, Adjustable Rate Mortgage - 7/6 ARM rates are at 6.12%, Adjustable Rate Mortgage - 10/6 ARM rates are at 6.62%, High Balance Fixed Rate Mortgage - 15-Year rates are at 6.62%, Conforming Fixed Rate Mortgage - 15-Year rates are at 6.62%. FirstCity Credit Union's Personal Loan Rates are as low as 10.99%. FirstCity Credit Union's Credit Card Rates are at 12.00%. FirstCity Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.03%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

FirstCity Credit Union
Altadena

500 W Woodbury Rd
Altadena, CA 91001-5410

https://firstcitycu.org

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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.

FirstCity Credit Union CD Rates

Product	Rate	APY	Term
5 Year Term Certificate	3.35%	3.40%	5 Year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
2 Year Term Certificate	3.25%	3.30%	2 Year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
4 Year Term Certificate	3.25%	3.30%	4 Year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
5 Year Term Certificate	3.25%	3.30%	5 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
18 Month Term Certificate	3.20%	3.25%	18 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
1 Year Term Certificate	3.15%	3.20%	1 Year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
2 Year Term Certificate	3.15%	3.20%	2 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Year Term Certificate	3.15%	3.20%	3 Year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
4 Year Term Certificate	3.15%	3.20%	4 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
5 Year Term Certificate	3.15%	3.20%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
18 Month Term Certificate	3.11%	3.15%	18 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
1 Year Term Certificate	3.06%	3.10%	1 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
2 Year Term Certificate	3.06%	3.10%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Year Term Certificate	3.06%	3.10%	3 Year
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
4 Year Term Certificate	3.06%	3.10%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
18 Month Term Certificate	3.01%	3.05%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
1 Year Term Certificate	2.96%	3.00%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Year Term Certificate	2.96%	3.00%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6 Month Term Certificate	2.16%	2.18%	6 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6 Month Term Certificate	2.06%	2.08%	6 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6 Month Term Certificate	1.96%	1.98%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.98% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Month Term Certificate	1.83%	1.85%	3 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Month Term Certificate	1.74%	1.75%	3 months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
3 Month Term Certificate Account	1.64%	1.65%	3 Months
Min Balance $1,000 Details Balance: $1,000 - $9,999; shared schedule with Regular IRA Certificate Accounts Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
9 Month Wealth Builder Term Certificate Account - Wealth Builder Certificate	1.29%	1.30%	9 Months
Min Balance $50 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Wealth Builder Term Certificate - 9 month	1.29%	1.30%	9 Months
Min Balance $50 Details Penalties will be imposed for early withdrawals. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.29% → 1.30% ▲ 0.01 pts · high 1.30% / low 1.29% Sep 22, 20261.30%▲ from 1.29% Sep 14, 20261.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Savings Rates

Product	Rate	APY
FirstStart Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Regular Share (Savings)	0.05%	0.05%
Min Deposit $5 Min Balance $100 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Vacation Club/Holiday Saver	0.05%	0.05%
Min Deposit $25 Min Balance $100 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.04%	1.05%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	0.95%	0.95%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Money Market	0.90%	0.90%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	0.03%	0.03%
Min Deposit $10 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage - 5/6 ARM	5.75%	0.000	6.457%
Details Loan amounts up to $2,500,000; rates effective as of September 28, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.46% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Adjustable Rate Mortgage - 7/6 ARM	6.125%	(0.125)	6.535%
Details Loan amounts up to $2,500,000; rates effective as of September 28, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Adjustable Rate Mortgage - 10/6 ARM	6.625%	0.000	6.812%
Details Loan amounts up to $2,500,000; rates effective as of September 28, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.81% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
High Balance Fixed Rate Mortgage - 15-Year	6.625%	0.125	6.873%	15-Year
Details Minimum Loan Amount $1,249,125; Estimated Payment per $1,000: $8.78; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Conforming Fixed Rate Mortgage - 15-Year	6.625%	0.125	6.953%	15-Year
Details Loan amounts up to $832,750; Estimated Payment per $1,000: $8.78; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Jumbo Fixed Rate Mortgage - 15-Year	6.625%	0.125	6.953%	15-Year
Details Loan amounts from $1,249,126 to $2,500,000; Estimated Payment per $1,000: $8.78; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
High Balance Fixed Rate Mortgage - 30-Year	7.375%	(0.250)	7.495%	30-Year
Details Minimum Loan Amount $1,249,125; Estimated Payment per $1,000: $6.91; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Conforming Fixed Rate Mortgage - 30-Year	7.375%	(0.250)	7.549%	30-Year
Details Loan amounts up to $832,750; Estimated Payment per $1,000: $6.91; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Jumbo Fixed Rate Mortgage - 30-Year	7.375%	(0.250)	7.549%	30-Year
Details Loan amounts from $1,249,126 to $2,500,000; Estimated Payment per $1,000: $6.91; Rates effective as of September 28, 2026; Sample based on refinance transaction Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity Loan - 5 Year	7.25%	-	7.462%	5 Year
Details Rates effective as of October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.46% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Fixed-Rate Home Equity Loan - 7 Year	7.375%	-	7.532%	7 Year
Details Rates effective as of October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Fixed-Rate Home Equity Loan - 10 Year	7.50%	-	7.616%	10 Year
Details Rates effective as of October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Fixed-Rate Home Equity Loan - 15 Year	7.75%	-	7.834%	15 Year
Details Rates effective as of October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.83% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Fixed-Rate Home Equity Loan - 20 Year	8.00%	-	8.069%	20 Year
Details Rates effective as of October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.07% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	36 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
New Auto Loan	-	-	5.24%	48 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto Loan	-	-	5.24%	36 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Auto Loan	-	-	5.49%
Details As Low As; Low Rates, New Rides; APR* Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
New Auto Loan	-	-	5.49%	60 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto Loan	-	-	5.49%	48 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
New Auto Loan	-	-	5.74%	72 months
Details As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto Loan	-	-	5.74%	60 months
Details As Low As; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto Loan	-	-	5.99%	72 months
Details As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
New Auto Loan	-	-	6.24%	84 months
Details As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Used Auto Loan	-	-	6.49%	84 months
Details As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
New Auto Loan	-	-	6.74%	96 months
Details As Low As; Minimum $10,000 loan required on terms longer than 60 months; 96-month rate exclusive to best qualified borrowers on New Vehicles with a minimum amount of $40,000; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles/ATVs Loan	-	6.75%	12 - 48 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Motorcycles/ATVs Loan	-	7.00%	49 - 60 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
RVs, Boats, and Trailers Loan	-	7.25%	12 - 84 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Motorcycles/ATVs Loan	-	8.25%	61 - 72 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
RVs, Boats, and Trailers Loan	-	8.25%	85 - 96 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
RVs, Boats, and Trailers Loan	-	9.25%	97 - 120 Months
Details As Low As; Current year and up to 10 model years; Minimum Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	12.00%
Details As Low As; Intro rate expires: 6 months; Regular APR: 12.00% - 18.00% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FirstCity Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.99%	12 - 36 Months
Details As Low As; Loan amounts from $500 - $30,000; Payment per $1000 ignored; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Personal Loan	11.49%	37 - 48 Months
Details As Low As; Loan amounts from $500 - $30,000; Payment per $1000 ignored; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Personal Loan	11.74%	49 - 60 Months
Details As Low As; Loan amounts from $500 - $30,000; Payment per $1000 ignored; Rates effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

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Financial Health History

FirstCity Credit Union’s Texas Ratio rose from 1.21% in Q3 2023 to 2.03% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$949M	2.03%	5.0	A+
March 31, 2026	$952M	1.92%	5.0	A+
December 31, 2025	$937M	1.44%	5.0	A+
September 30, 2025	$928M	1.08%	5.0	A+
June 30, 2025	$931M	1.96%	5.0	A+
March 31, 2025	$927M	1.56%	5.0	A+
December 31, 2024	$888M	1.88%	5.0	A+
September 30, 2024	$908M	2.20%	5.0	A+
June 30, 2024	$889M	0.78%	5.0	A+
March 31, 2024	$912M	1.34%	5.0	A+
December 31, 2023	$907M	1.24%	5.0	A+
September 30, 2023	$868M	1.21%	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 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 120

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.03%

Return on Assets (ROA)

0.2193%

Return on Equity (ROE)

1.6220%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

948,508,356

Total Amount of Shares and Deposits

816,164,298

Total Shares and Deposits < 1 Year

784,122,136

Total Shares and Deposits 1 3 Years

25,144,775

Total Shares and Deposits > 3 Years

6,897,387

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

93,559,669

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

93,559,669

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

722,604,629

Total Interest Expense (Sum of items 6 8)

4,174,350

Share Certificates

3,813

Number of Accounts for Share Drafts

38,688

IRA KEOGH Accounts

760

Number of Accounts for Regular Shares

59,879

Money Market Shares

2,523

Net Income (unless the amount is already included in Undivided Earnings)

2,080,228

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)

137,106,674

Total Liabilities

863,523,599

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

FirstCity Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About FirstCity Credit Union

Does FirstCity Credit Union offer CDs?

Yes. FirstCity Credit Union current CD rates include its 5 Year Term CD at 3.40% APY, its 2 Year Term CD at 3.30% APY and its 4 Year Term CD at 3.30% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from FirstCity Credit Union NCUA insured?

Yes. FirstCity 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 FirstCity Credit Union?

The highest FirstCity Credit Union CD rate is its 5 Year Term CD at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does FirstCity Credit Union offer?

FirstCity Credit Union CD rates are 3.20% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.30% APY for a 4 year CD and 3.40% 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 FirstCity Credit Union for its full lineup.

What is the highest savings rate at FirstCity Credit Union?

The highest FirstCity Credit Union savings rate is its FirstStart Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at FirstCity Credit Union?

The highest FirstCity Credit Union money market rate is its Money Market at 1.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at FirstCity Credit Union?

The highest FirstCity Credit Union checking rate is its Interest Checking at 0.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at FirstCity Credit Union?

The lowest FirstCity Credit Union 30 year fixed mortgage rate is its High Balance Fixed Rate Mortgage - 30-Year at 7.375%, verified by MonitorBankRates as of October 30, 2026. FirstCity Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.625% for a 15 year mortgage, 5.75% for a 5/6 ARM, 6.125% for a 7/6 ARM and 6.625% for a 10/6 ARM.

What is the lowest auto loan rate at FirstCity Credit Union?

The lowest FirstCity Credit Union auto loan rate is its New Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at FirstCity Credit Union?

The lowest FirstCity Credit Union personal loan rate is its Personal Loan at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at FirstCity Credit Union?

The lowest FirstCity Credit Union credit card APR is its Visa Credit Card at 12.00% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 FirstCity Credit Union rates compare?

FirstCity Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. FirstCity Credit Union's top rates are its 5 Year Term CD at 3.40% APY, its FirstStart Savings at 0.05% APY, its Money Market at 1.05% APY, its Interest Checking at 0.03% APY, its Adjustable Rate Mortgage - 5/6 ARM at 5.75%, its Personal Loan at 10.99% APR and its Visa Credit Card at 12.00% APR, verified by MonitorBankRates on October 30, 2026.

Current FirstCity Credit Union Rates

12-Month CD3.00%
18-Month CD3.05%
24-Month CD3.10%
60-Month CD3.20%
Savings0.05%
MMA1.05%

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

Compare to Other Credit Unions

FirstCity Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FirstCity Credit Union Texas Ratio

FirstCity Credit Union Health Trend

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 RV, Boat and Powersport Loan Rates

FirstCity Credit Union Credit Card Rates

FirstCity Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FirstCity Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FirstCity Credit Union

Does FirstCity Credit Union offer CDs?

Are CDs from FirstCity Credit Union NCUA insured?

What is the highest CD rate at FirstCity Credit Union?

What CD terms does FirstCity Credit Union offer?

What is the highest savings rate at FirstCity Credit Union?

What is the highest money market rate at FirstCity Credit Union?

What is the highest checking rate at FirstCity Credit Union?

What is the lowest 30 year fixed mortgage rate at FirstCity Credit Union?

What is the lowest auto loan rate at FirstCity Credit Union?

What is the lowest personal loan rate at FirstCity Credit Union?

What is the lowest credit card APR at FirstCity Credit Union?

How many branches does FirstCity Credit Union operate?

Is a member application needed to join FirstCity Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FirstCity 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 FirstCity Credit Union rates compare?

Current FirstCity Credit Union Rates

Compare to Other Credit Unions