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 First Credit Union Rates & Review September 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 and Verified: September 22, 2026
First Credit Union's 17 Month CD Special rates are at 4.05%, 7 Month CD Special rates are at 4.05%, 1 Year CD Account rates are at 3.85%, 6 Month CD Account rates are at 3.85%, 1 Year CD Account rates are at 3.80%. First Credit Union's savings rates are at 0.10%. First Credit Union's money market rates are at 0.20%. First Credit Union's Auto Loan Rates are as low as 5.24%. First Credit Union's Credit Card Rates are at 13.40%. MonitorBankRates evaluates the financial stability of First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.68%. Rates last updated and verified on 09/22/2026. First 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 Credit Union? Share your experience about First Credit Union by leaving a review below, or read customer reviews before you decide to use First Credit Union. First Credit Union
Chandler Corporate Plaza 25 S Arizona Pl Ste 111
https://www.firstcu.net Chandler, AZ 85225 
First Credit Union CD Rates
First Credit Union Savings Rates
First Credit Union Money Market Rates
First Credit Union Checking Rates
First Credit Union Home Equity & HELOC
First Credit Union Auto Loan Rates
First Credit Union Credit Card Rates
First Credit Union Other Rates
Financial Health HistoryFirst Credit Union’s Texas Ratio fell from 4.06% in Q2 2023 to 2.68% in Q1 2026, so its financial health has improved and is now 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
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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 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Credit Union
Website
https://www.firstcu.net
Address
25 S Arizona Pl Ste 111,
Chandler, AZ 85225
Phone
480-756-5500
Fax
480-568-8849
President
Lori Gallegos
CEO
Jay Curtis
Full-Time Employees
153
Part-Time Employees
0
Branch Locations
8
ATM Locations
7
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
2.68%
Return on Assets (ROA)
0.0380%
Return on Equity (ROE)
0.4029%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
785,762,021
Total Amount of Shares and Deposits
688,375,192
Total Shares and Deposits < 1 Year
673,804,906
Total Shares and Deposits 1 3 Years
7,853,917
Total Shares and Deposits > 3 Years
6,716,367
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
39,553,830
Total Uninsured Shares and Deposits > $250K (F+J)
39,553,830
Total Insured Shares and Deposits > $250K (item 17 less item K)
648,821,362
Total Interest Expense (Sum of items 6 8)
2,390,456
Share Certificates
4,755
Number of Accounts for Share Drafts
22,493
IRA KEOGH Accounts
2,141
Number of Accounts for Regular Shares
50,107
All other shares
120
Non Member Deposits
4,958
Money Market Shares
2,915
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)
79,610,153
Total Liabilities
721,867,396
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About First Credit UnionHow many branches does First Credit Union operate?First 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 Credit Union?Yes, to access services at First 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Credit Union offer online and mobile banking?Most modern institutions like First 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.firstcu.net. Current First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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