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 First Community Credit Union Houston, TX 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 Community Credit Union Houston, TX's 3 Year Business CD rates are at 4.50%, 5 Year Business CD rates are at 4.40%, 3 Month Business CD rates are at 4.30%, 5 Year Business CD rates are at 4.30%, 4 Year Business CD rates are at 4.25%. 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 10 Year Fixed rates are at 5.62%, 15 Year Fixed rates are at 5.88%, Cash Out Refinances - VA Loan rates are at 6.38%, Home - VA Loan rates are at 6.38%, 20 Year Fixed rates are at 6.62%. First Community Credit Union Houston, TX's Personal Loan Rates are as low as 9.99%. First Community Credit Union Houston, TX's Credit Card 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 3.51%. Rates last updated and verified on 09/22/2026. 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 Auto Loan Rates
First Community Credit Union Houston, TX RV, Boat and Powersport 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 2.00% in Q2 2023 to 3.51% in Q1 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
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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 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
353
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
3.51%
Return on Assets (ROA)
0.2242%
Return on Equity (ROE)
2.7731%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
2,956,248,741
Total Amount of Shares and Deposits
2,075,720,337
Total Shares and Deposits < 1 Year
2,016,458,758
Total Shares and Deposits 1 3 Years
37,747,184
Total Shares and Deposits > 3 Years
21,514,394
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
206,148,633
Total Uninsured Shares and Deposits > $250K (F+J)
206,148,633
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,869,571,704
Total Interest Expense (Sum of items 6 8)
15,145,270
Share Certificates
15,766
Number of Accounts for Share Drafts
131,624
IRA KEOGH Accounts
2,235
Number of Accounts for Regular Shares
198,741
All other shares
1,113
Money Market Shares
10,228
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)
71,843,388
Total Liabilities
2,738,163,584
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for First Community Credit Union Houston, TX yet. Feel free to create one below.
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Add Your Rating and Review for First Community Credit Union Houston, TX
Frequently Asked Questions About First Community Credit Union Houston, TXHow 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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