First Street Federal Credit Union Rates and Review February 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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First Street Federal 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 Street Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . First Street Federal Credit Union Texas RatioFirst Street Federal Credit Union's Texas Ratio is at 0.39%, which is considered excellent. The Texas Ratio for First Street Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that First Street Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Street Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Street Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
First Street Federal Credit Union
FIRST STREET FEDERAL CREDIT UNION 709 W 1ST ST
DERIDDER, LA 70634 
Current Rate AvailabilityWe do not have First Street Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Street Federal 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 Street Federal 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 Street Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: First Street Federal Credit Union
Website: https://www.1stfcu.com
Full Time Employees: 8Part Time Employees: 0 President: JAMES CRAIN CEO: KATHY POWELL Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
709 W 1ST ST
DERIDDER, LA 70634 Phone Number: 337-463-7529 Fax Number: 337-463-0116 FinancialsTotal Assets:
56,637,026
Total Amount of Shares and Deposits:
47,248,451
Total Shares and Deposits < 1 Year:
47,248,451
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
741,506
Total Uninsured Shares and Deposits > $250K (F+J):
741,506
Total Insured Shares and Deposits > $250K (item 17 less item K):
46,506,945
Total Interest Expense (Sum of items 6 8):
823,243
Number of Accounts for Share Drafts:
1,174
Number of Accounts for Regular Shares:
3,655
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,222,110
Total Liabilities:
47,298,022
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About First Street Federal Credit UnionIs a member application needed to join First Street Federal Credit Union?Yes, to access services at First Street Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, First Street Federal Credit Union provides a range of mortgage and home equity products. Is First Street Federal Credit Union a safe place to deposit money?Yes, First Street Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does First Street Federal Credit Union offer online and mobile banking?Most modern institutions like First Street Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare First Street Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.25%, 6-month share certificate rates at 0.30% and 3-month share certificate rates at 2.75%. Savings rates are at 4.20% and money market rates are at 1.05%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates, and more, can be found in our database of rates which you can compare to 
