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iAdvertiser Disclosure
Advertiser Disclosure
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 First Central 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 Central Credit Union's 13 month Term CD rates are at 3.90%, 13 month* CD rates are at 3.90%, 25 month Term CD rates are at 3.90%, 25 month* CD rates are at 3.90%, 2 years CD rates are at 3.55%. First Central Credit Union's savings rates are at 0.35%. First Central Credit Union's money market rates are at 0.35%. First Central Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of First Central Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.49%. Rates were last updated on 03/26/2026. First Central 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 Central Credit Union? Share your experience about First Central Credit Union by leaving a review below, or read customer reviews before you decide to use First Central Credit Union. First Central Credit Union
Sanger Office 6201 Sanger Ave
https://www.firstcentralcu.com Waco, TX 76710 
First Central Credit Union CD Rates
First Central Credit Union Savings Rates
First Central Credit Union Money Market Rates
First Central Credit Union Checking Rates
First Central Credit Union Home Equity & HELOC
First Central Credit Union Credit Card Rates
First Central Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Central 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 Central 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 Central Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Central Credit Union
Website
https://www.firstcentralcu.com
Address
6201 Sanger Ave,
Waco, TX 76710
Phone
254-776-9333
Fax
254-741-2212
President
Lori Alambar
CEO
JoBetsy Tyler
Full-Time Employees
58
Part-Time Employees
13
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.49%
Return on Assets (ROA)
1.2512%
Return on Equity (ROE)
7.7724%
Non-Performing Loans Ratio (NPL)
2.67%
Total Assets
177,518,420
Total Amount of Shares and Deposits
147,387,592
Total Shares and Deposits < 1 Year
131,740,726
Total Shares and Deposits 1 3 Years
13,847,238
Total Shares and Deposits > 3 Years
1,799,628
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,857,493
Total Uninsured Shares and Deposits > $250K (F+J)
7,530,493
Total Insured Shares and Deposits > $250K (item 17 less item K)
139,857,099
Total Interest Expense (Sum of items 6 8)
1,776,656
Share Certificates
1,235
Number of Accounts for Share Drafts
14,606
IRA KEOGH Accounts
275
Number of Accounts for Regular Shares
22,591
All other shares
309
Non Member Deposits
10
Money Market Shares
122
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,385,242
Total Liabilities
150,752,815
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Central Credit UnionIs First Central Credit Union a safe place to deposit money?Yes, First Central Credit Union is considered a safe financial institution. With a Texas Ratio of 8.4940383161326%, 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 Central Credit Union operate?First Central 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 Central Credit Union?Yes, to access services at First Central 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 Central 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 Central Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Central Credit Union offer online and mobile banking?Most modern institutions like First Central 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.firstcentralcu.com. Current First Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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