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First Basin Credit Union

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First Basin Credit Union Rates & Review September 2026

Q: How many branches does First Basin Credit Union operate?

First Basin 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.

Q: Is a member application needed to join First Basin Credit Union?

Yes, to access services at First Basin 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Basin Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First Basin Credit Union's Personal Loan Rates are as low as 9.90%. First Basin Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of First Basin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 09/23/2026.

First Basin 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 Basin Credit Union? Share your experience about First Basin Credit Union by leaving a review below, or read customer reviews before you decide to use First Basin 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

1.19%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Basin Credit Union
First Basin Credit Union

2740 N County Rd W
Odessa, TX 79764

https://www.firstbasin.com

First Basin Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.63%	up to 360 months
Details Published APR range: 5.625% to 7.875%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

First Basin Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Autos	-	-	4.90%
Details Published APR range: 4.90% to 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

First Basin Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Watercraft Loan	-	7.49%	up to 60 months
Details Published APR range: 7.49% to 15.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
ATV (Dirt Bikes, 4-Wheelers, etc.) Loan	-	7.90%	up to 48 months
Details Published APR range: 7.90% to 13.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Motor Home/Travel Trailer Loan	-	7.90%	up to 84 months
Details Published APR range: 7.90% to 14.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Motorcycles Loan	-	7.90%	up to 60 months
Details Published APR range: 7.90% to 15.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

First Basin Credit Union Credit Card Rates

Product	Rate	APR
FBCU VISA Premier card	-	9.90%
Details Qualifying members need a higher line of credit. 1% cashback rewards. Earn cash back for every dollar you spend. Once you earn 2,500 points you can begin redeeming those points for cash. Cash earned through FB PowerPerks can be applied to your FBCU credit card, a loan payment, deposited into your checking or savings account or we can issue you a check. The best news, your points never expire and you can earn up to 82,500 points per year! A First Basin issued VISA credit card and First Basin membership is required. To earn cash back, account must be setup through online banking. Make sure you're signed up for rewards by logging into your online account. In the left-hand menu, you'll see a tab for FB PowerPerks where you can enroll or check your balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
FBCU VISA Classic card	-	11.90%
Details 1% cashback rewards. Earn cash back for every dollar you spend. Once you earn 2,500 points you can begin redeeming those points for cash. Cash earned through FB PowerPerks can be applied to your FBCU credit card, a loan payment, deposited into your checking or savings account or we can issue you a check. The best news, your points never expire and you can earn up to 82,500 points per year! A First Basin issued VISA credit card and First Basin membership is required. To earn cash back, account must be setup through online banking. Make sure you're signed up for rewards by logging into your online account. In the left-hand menu, you'll see a tab for FB PowerPerks where you can enroll or check your balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

First Basin Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.90%
Details Published APR range: 9.90% to 16.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

First Basin Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Interim Construction Loans	-	-	8.75%	18 months
Details Term: Maximum term 18 months; Published APR range: 8.750% to 9.750%. A.P.R. determined by loan Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Land Loans	-	-	8.75%	up to 120 months
Details Published APR range: 8.750% to 9.750%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Mobile Home with Land Loan	-	-	8.75%	up to 120 months
Details Published APR range: 8.750% to 10.000%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Basin Credit Union’s Texas Ratio fell from 4.25% in Q2 2023 to 1.19% 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

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
March 31, 2026	$340M	1.19%	5.0	A+
December 31, 2025	$350M	3.42%	5.0	A+
September 30, 2025	$353M	2.29%	5.0	A+
June 30, 2025	$351M	3.42%	5.0	A+
March 31, 2025	$345M	2.40%	5.0	A+
December 31, 2024	$312M	3.70%	5.0	A+
September 30, 2024	$314M	2.65%	5.0	A+
June 30, 2024	$316M	5.78%	5.0	A+
March 31, 2024	$319M	5.06%	5.0	A+
December 31, 2023	$316M	4.98%	5.0	A+
September 30, 2023	$321M	5.15%	5.0	A+
June 30, 2023	$322M	4.25%	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 First Basin 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 Basin 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 Basin Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Basin Credit Union

Website https://www.firstbasin.com

Address 2740 N County Rd W, Odessa, TX 79764

Phone 432-333-5600

Fax

President Sam Gonzalez

CEO Shem Culpepper

Full-Time Employees 96

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

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

1.19%

Return on Assets (ROA)

0.1256%

Return on Equity (ROE)

1.1030%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

340,097,699

Total Amount of Shares and Deposits

283,549,604

Total Shares and Deposits < 1 Year

273,673,908

Total Shares and Deposits 1 3 Years

7,609,328

Total Shares and Deposits > 3 Years

2,266,368

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

127,295,230

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

127,295,230

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

156,254,374

Total Interest Expense (Sum of items 6 8)

550,444

Share Certificates

479

Number of Accounts for Share Drafts

21,739

IRA KEOGH Accounts

186

Number of Accounts for Regular Shares

33,662

All other shares

412

Money Market Shares

1,746

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)

19,598,338

Total Liabilities

305,030,128

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

First Basin 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Basin Credit Union

Frequently Asked Questions About First Basin Credit Union

How many branches does First Basin Credit Union operate?

First Basin 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 Basin Credit Union?

Yes, to access services at First Basin 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 Basin 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 Basin Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Basin Credit Union offer online and mobile banking?

Most modern institutions like First Basin 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.firstbasin.com.