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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 FCI Federal Credit Union Rates & Review April 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: April 24, 2026
FCI Federal Credit Union's Personal Loan Rates are at 13.30%. MonitorBankRates evaluates the financial stability of FCI Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.31%. Rates were last updated on 04/24/2026. FCI 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 FCI Federal Credit Union? Share your experience about FCI Federal Credit Union by leaving a review below, or read customer reviews before you decide to use FCI Federal Credit Union. 
FCI Federal Credit Union Auto Loan Rates
FCI Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FCI 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 FCI 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 FCI Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FCI Federal Credit Union
Website
http://www.fcifcu.com/
Address
2500 Leopard Dr,
Texarkana, TX 75501 7810
Phone
903-223-6404
Fax
903-838-0761
President
Richard Goodsell
CEO
Bree Fulmer
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.31%
Return on Assets (ROA)
-0.6715%
Return on Equity (ROE)
-6.6159%
Non-Performing Loans Ratio (NPL)
1.17%
Total Assets
5,355,242
Total Amount of Shares and Deposits
4,385,085
Total Shares and Deposits < 1 Year
4,183,997
Total Shares and Deposits 1 3 Years
93,054
Total Shares and Deposits > 3 Years
108,034
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,385,085
Total Interest Expense (Sum of items 6 8)
5,210
Share Certificates
38
Number of Accounts for Share Drafts
318
IRA KEOGH Accounts
10
Number of Accounts for Regular Shares
944
All other shares
35
Net Income (unless the amount is already included in Undivided Earnings)
-35,181
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
74,181
Total Liabilities
4,811,691
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About FCI Federal Credit UnionIs FCI Federal Credit Union a safe place to deposit money?Yes, FCI Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.307009553514%, 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 FCI Federal Credit Union operate?FCI Federal 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 FCI Federal Credit Union?Yes, to access services at FCI Federal 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, FCI Federal 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, FCI Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does FCI Federal Credit Union offer online and mobile banking?Most modern institutions like FCI Federal 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: http://www.fcifcu.com/. Compare to Other Credit Unions
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