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 First Community Credit Union Houston, TX Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 23, 2026
First Community Credit Union Houston, TX's 7-Month Business CD rates are at 3.75%, 7 Year Business CD rates are at 3.60%, 7 Year Business CD rates are at 3.50%, 5 Year Business CD rates are at 3.40%, 5 Year Business CD rates are at 3.30%. 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 1.75%. First Community Credit Union Houston, TX's 10 Year Fixed rates are at 5.25%, Cash Out Refinances 10 Year Fixed rates are at 5.25%, 15 Year Fixed rates are at 5.38%, Cash Out Refinances 15 Year Fixed rates are at 5.38%, Cash Out Refinances VA rates are at 5.88%. First Community Credit Union Houston, TX's Personal Loan Rates are at 11.99%. 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 5.63%. Rates were last updated on 03/23/2026. 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 
First Community Credit Union Houston, TX 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 Credit Card Rates
First Community Credit Union Houston, TX Personal Loan Rates
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
350
Part-Time Employees
71
Branch Locations
16
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.63%
Return on Assets (ROA)
0.5108%
Return on Equity (ROE)
6.3436%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
2,874,634,335
Total Amount of Shares and Deposits
2,025,032,923
Total Shares and Deposits < 1 Year
1,906,543,337
Total Shares and Deposits 1 3 Years
101,115,199
Total Shares and Deposits > 3 Years
17,374,387
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
195,984,290
Total Uninsured Shares and Deposits > $250K (F+J)
195,984,290
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,829,048,633
Total Interest Expense (Sum of items 6 8)
43,401,144
Share Certificates
15,241
Number of Accounts for Share Drafts
124,967
IRA KEOGH Accounts
3,477
Number of Accounts for Regular Shares
188,167
All other shares
351
Money Market Shares
11,246
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
81,479,832
Total Liabilities
2,668,088,821
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Community Credit Union Houston, TXIs First Community Credit Union Houston, TX a safe place to deposit money?Yes, First Community Credit Union Houston, TX is considered a safe financial institution. With a Texas Ratio of 5.6348857669192%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First 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. Current First Community Credit Union Houston, TX Rates
Retrieved from our database of financial products. Rates subject to change.
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