|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Community Credit Union Houston, TX Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
First Community Credit Union Houston, TX's 5 Year Business CD rates are at 4.70%, 4 Year Business CD rates are at 4.60%, 3 Year Business CD rates are at 4.50%, 18 Month Business CD rates are at 4.35%, 3 Month Business CD rates are at 4.30%. First Community Credit Union Houston, TX's savings rates are at 0.30%. First Community Credit Union Houston, TX's money market rates are at 2.25%. First Community Credit Union Houston, TX's checking rates are as high as 1.25%. First Community Credit Union Houston, TX's Home Loan - 10 Year Fixed rates are at 5.75%, Refinance - 10 Year Fixed rates are at 5.75%, Home Loan - 15 Year Fixed rates are at 6.00%, Refinance - 15 Year Fixed rates are at 6.00%, Home Loan - 20 Year Fixed rates are at 6.50%. First Community Credit Union Houston, TX's Personal Loan Rates are as low as 10.24%. First Community Credit Union Houston, TX's Credit Card Rates are at 12.49%. First Community Credit Union Houston, TX's CD rates are 57% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Community Credit Union Houston, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 10/29/2026. First Community Credit Union Houston, TX 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 Community Credit Union Houston, TX? Share your experience about First Community Credit Union Houston, TX by leaving a review below, or read customer reviews before you decide to use First Community Credit Union Houston, TX. First Community Credit Union Houston, TX
Administration 15260 FM 529 Rd
https://fccu.org Houston, TX 77095-3252  Customer Reviews
Be the first to review
Write a Review
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 Community Credit Union Houston, TX Business CD Rates
First Community Credit Union Houston, TX Savings Rates
First Community Credit Union Houston, TX Money Market Rates
First Community Credit Union Houston, TX Checking Rates
First Community Credit Union Houston, TX Mortgage Rates
First Community Credit Union Houston, TX Home Equity & HELOC
First Community Credit Union Houston, TX Auto Loan Rates
First Community Credit Union Houston, TX Credit Card Rates
First Community Credit Union Houston, TX Personal Loan Rates
First Community Credit Union Houston, TX Other Rates
Financial Health HistoryFirst Community Credit Union Houston, TX’s Texas Ratio rose from 2.63% in Q3 2023 to 3.58% 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Community Credit Union Houston, TX 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 Community Credit Union Houston, TX 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 Community Credit Union Houston, TX's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Community Credit Union Houston, TX
Website
https://fccu.org
Address
15260 FM 529 Rd,
Houston, TX 77095-3252
Phone
281-856-5300
Fax
281-856-6421
President
Martin Miracle
CEO
TJ Tijerina
Full-Time Employees
356
Part-Time Employees
70
Branch Locations
16
ATM Locations
16
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.58%
Return on Assets (ROA)
0.4243%
Return on Equity (ROE)
5.3157%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
3,074,860,378
Total Amount of Shares and Deposits
2,026,115,258
Total Shares and Deposits < 1 Year
1,944,609,031
Total Shares and Deposits 1 3 Years
60,820,433
Total Shares and Deposits > 3 Years
20,685,794
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
200,624,549
Total Uninsured Shares and Deposits > $250K (F+J)
200,624,549
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,825,490,709
Total Interest Expense (Sum of items 6 8)
29,454,293
Share Certificates
14,928
Number of Accounts for Share Drafts
131,082
IRA KEOGH Accounts
2,188
Number of Accounts for Regular Shares
200,807
All other shares
1,113
Money Market Shares
9,862
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)
76,607,223
Total Liabilities
2,850,609,355
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for First Community Credit Union Houston, TX yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First Community Credit Union Houston, TX
Frequently Asked Questions About First Community Credit Union Houston, TXDoes First Community Credit Union Houston, TX offer CDs?Yes. First Community Credit Union Houston, TX current CD rates include its 5 Year Business CD at 4.70% APY, its 4 Year Business CD at 4.60% APY and its 3 Year Business CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from First Community Credit Union Houston, TX NCUA insured?Yes. First Community Credit Union Houston, TX 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 Community Credit Union Houston, TX?The highest First Community Credit Union Houston, TX CD rate is its 5 Year Business CD at 4.70% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does First Community Credit Union Houston, TX offer?First Community Credit Union Houston, TX CD rates are 4.30% APY for a 3 month CD, 3.90% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.15% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.60% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Community Credit Union Houston, TX for its full lineup. What is the highest savings rate at First Community Credit Union Houston, TX?The highest First Community Credit Union Houston, TX savings rate is its Savings at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at First Community Credit Union Houston, TX?The highest First Community Credit Union Houston, TX money market rate is its Money Market Fund at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at First Community Credit Union Houston, TX?The highest First Community Credit Union Houston, TX checking rate is its Money Management Checking at 1.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at First Community Credit Union Houston, TX?The lowest First Community Credit Union Houston, TX 30 year fixed mortgage rate is its Home Loan - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 29, 2026. First Community Credit Union Houston, TX mortgage rates are 6.875% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.00% for a 15 year mortgage and 5.75% for a 10 year mortgage. What is the lowest auto loan rate at First Community Credit Union Houston, TX?The lowest First Community Credit Union Houston, TX auto loan rate is its Auto New at 3.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at First Community Credit Union Houston, TX?The lowest First Community Credit Union Houston, TX personal loan rate is its Personal Loans at 10.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at First Community Credit Union Houston, TX?The lowest First Community Credit Union Houston, TX credit card APR is its Credit Cards at 12.49% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does First Community Credit Union Houston, TX operate?First Community Credit Union Houston, TX 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 Community Credit Union Houston, TX?Yes, to access services at First Community Credit Union Houston, TX, 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 Community Credit Union Houston, TX 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 Community Credit Union Houston, TX provides members with tools to manage their accounts and build a solid financial history. Does First Community Credit Union Houston, TX offer online and mobile banking?Most modern institutions like First Community Credit Union Houston, TX 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://fccu.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 First Community Credit Union Houston, TX rates compare?First Community Credit Union Houston, TX's CD rates are 57% higher than the MonitorBankRates national average, and it has an A+ health rating. First Community Credit Union Houston, TX's top rates are its 5 Year Business CD at 4.70% APY, its Savings at 0.30% APY, its Money Market Fund at 2.25% APY, its Money Management Checking at 1.25% APY, its Home Loan - 10 Year Fixed at 5.75%, its Personal Loans at 10.24% APR and its Credit Cards at 12.49% APR, verified by MonitorBankRates on October 29, 2026. Current First Community Credit Union Houston, TX Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Community Focus Federal Credit Union
Charlotte Fire Department Credit Union
Department of The Interior Federal Credit Union
Maryvale Schools Federal Credit Union
Comtrust Federal Credit Union
Long Beach City Employees Credit Union
Sea Air Federal Credit Union
C&R Credit Union
Emerald Empire Federal Credit Union
Members Preferred Credit Union
ABNB Federal Credit Union
Knox County Teachers Federal Credit Union
Financial Security Credit Union
Ohio Catholic Federal Credit Union
Heartland Credit Union Inver Grove Heights, MN
USF Federal Credit Union
Oklahoma Community Federal Credit Union
St Josephs Canton Parish Federal Credit Union
SIU Credit Union
Enbright Credit Union
Putnam School Employees Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
