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iAdvertiser Disclosure
Advertiser Disclosure
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 First Service Credit Union 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 26, 2026
First Service Credit Union's Bonus Builder CD (SEG) 12 Month rates are at 4.35%, 12 Month (Jumbo) CD of Deposit rates are at 3.75%, 12 Month Smart Growth CD rates are at 3.75%, Smart Growth CD Rate 12 Month rates are at 3.75%, 6 Month (Jumbo) CD of Deposit rates are at 3.70%. First Service Credit Union's savings rates are at 0.05%. First Service Credit Union's money market rates are at 0.10%. First Service Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of First Service Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.02%. Rates were last updated on 03/26/2026. First Service 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 Service Credit Union? Share your experience about First Service Credit Union by leaving a review below, or read customer reviews before you decide to use First Service Credit Union. 
First Service Credit Union CD Rates
First Service Credit Union Savings Rates
First Service Credit Union Money Market Rates
First Service Credit Union Auto Loan Rates
First Service Credit Union Credit Card Rates
First Service Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Service 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 Service 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 Service Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Service Credit Union
Website
https://www.fscu.com
Address
16430 Park Ten Pl,
Houston, TX 77084 5056
Phone
713-676-4344
Fax
President
Doug Esmond
CEO
David Bleazard
Full-Time Employees
256
Part-Time Employees
16
Branch Locations
14
ATM Locations
17
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
5.02%
Return on Assets (ROA)
0.3127%
Return on Equity (ROE)
2.8147%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
1,429,791,649
Total Amount of Shares and Deposits
1,233,375,099
Total Shares and Deposits < 1 Year
1,162,774,838
Total Shares and Deposits 1 3 Years
55,448,585
Total Shares and Deposits > 3 Years
15,151,676
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
158,454,955
Total Uninsured Shares and Deposits > $250K (F+J)
158,454,955
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,074,920,144
Total Interest Expense (Sum of items 6 8)
16,818,667
Share Certificates
9,141
Number of Accounts for Share Drafts
78,905
IRA KEOGH Accounts
1,966
Number of Accounts for Regular Shares
115,716
All other shares
91
Non Member Deposits
2
Money Market Shares
5,652
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
52,202,425
Total Liabilities
1,275,854,315
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Service Credit UnionIs First Service Credit Union a safe place to deposit money?Yes, First Service Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0194121155792%, 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 Service Credit Union operate?First Service 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 Service Credit Union?Yes, to access services at First Service 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 Service 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 Service Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Service Credit Union offer online and mobile banking?Most modern institutions like First Service 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.fscu.com. Current First Service Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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