What are the current interest rates at First Central Credit Union?

Current rates for First Central Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.55%, 60-Month CD: 3.15%, Savings: 0.50%, MMA: 2.25%

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First Central Credit Union

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First Central Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

First Central Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 13 Month Term CD, 0.50% APY on savings, 2.25% APY on money market accounts, 0.05% APY on checking, personal loans from 10.50% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other First Central Credit Union CD rates include 25 Month Term CD at 3.80%, 2 Year Business Term CD at 3.55%, and 2 Year Term CD at 3.55%. 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 6.12%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

First Central Credit Union
Sanger Office

6201 Sanger Ave
Waco, TX 76710

https://www.firstcentralcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Central Credit Union CD Rates

Product	Rate	APY	Term
13 Month Term Share Certificate	3.94%	4.00%	13 months
Min Deposit $1,000 Details Non-renewable Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
25 Month Term Share Certificate	3.75%	3.80%	25 months
Min Deposit $1,000 Details Non-renewable Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 10, 20263.80%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
2 Year Term Share Certificate	3.50%	3.55%	2 years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 2 years	3.50%	3.55%	2 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
1 Year Term Share Certificate	3.45%	3.50%	1 year
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 1 year	3.45%	3.50%	1 year
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Year Term Share Certificate	3.21%	3.25%	3 years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 3 years	3.21%	3.25%	3 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
5 Year Term Share Certificate	3.11%	3.15%	5 years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 5 years	3.11%	3.15%	5 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
4 Year Term Share Certificate	3.06%	3.10%	4 years
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 4 years	3.06%	3.10%	4 years
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Term Share Certificate	2.97%	3.00%	6 months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
IRA Term Share Certificate - 6 month	2.97%	3.00%	6 months
Min Deposit $1,000 Details Penalty for early withdrawal. Effective 02/10/2025. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Term Share Certificate	3.50%	3.55%	2 years
Min Deposit $1,000 Details Penalty for early withdrawal. Eligible to adjust to higher current rate one time during certificate term. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
1 Year Business Term Share Certificate	3.45%	3.50%	1 year
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Year Business Term Share Certificate	3.21%	3.25%	3 years
Min Deposit $1,000 Details Penalty for early withdrawal. Eligible to adjust to higher current rate one time during certificate term. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
5 Year Business Term Share Certificate	3.11%	3.15%	5 years
Min Deposit $1,000 Details Penalty for early withdrawal. Eligible to adjust to higher current rate one time during certificate term. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
4 Year Business Term Share Certificate	3.06%	3.10%	4 years
Min Deposit $1,000 Details Penalty for early withdrawal. Eligible to adjust to higher current rate one time during certificate term. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Business Term Share Certificate	2.97%	3.00%	6 months
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Savings Rates

Product	Rate	APY
IRA Savings - Regular, Roth & Educational	0.499%	0.50%
No additional details. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Dream Club (Monthly)	0.35%	0.35%
Min Balance $100 Details Minimum balance to earn interest $100.00; interest compounded and paid monthly; for year-end or holiday savings, full balance paid out every November Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Dream Savings (Monthly)	0.35%	0.35%
Min Balance $100 Details Minimum balance to earn interest $100.00; interest compounded and paid monthly; for special savings accounts such as Special Savings, Vacation, or Wedding Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Regular Share Account	0.35%	0.35%
Min Deposit $5 Min Balance $100 Details Minimum balance to earn interest is $100.00; interest compounded and paid quarterly on the daily balance; four free withdrawals per month, $3.00 fee per withdrawal over four Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
TUTMA Savings (birth-21)	0.35%	0.35%
Min Deposit $5 Min Balance $100 Details Ages: birth-21; $5 balance to avoid account closure; $100 average daily balance to obtain disclosed APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Money Market Rates

Product	Rate	APY
Money Market (First Fund)	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000 and Greater; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	0.99%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Money Market (First Fund)	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $2,499.99; Minimum balance is $2,500 to earn the higher interest rate; Interest compounded and paid monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.99%	1.00%
Min Balance $2,500 Details Balance: $2,500+; Minimum balance is $2,500 to earn the higher interest rate; Monthly service charge of $20 with an average balance below $2,500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Checking Rates

Product	Rate	APY
Student Checking	0.05%	0.05%
Details Share Draft Accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Super Saver Checking	0.05%	0.05%
Details Share Draft Accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.05%	0.05%
Details Share Draft Accounts Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 1st Lien	-	-	5.55%	5 years
Details As Low As; APR range 5.55% - 10.85%; Maximum Term: 5 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 1st Lien	-	-	6.05%	7 years
Details As Low As; APR range 6.05% - 11.35%; Maximum Term: 7 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 1st Lien	-	-	6.55%	10 years
Details As Low As; APR range 6.55% - 11.85%; Maximum Term: 10 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 2nd Lien	-	-	6.55%	5 years
Details As Low As; APR range 6.55% - 12.35%; Maximum Term: 5 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 1st Lien	-	-	6.80%	15 years
Details As Low As; APR range 6.80% - 12.10%; Maximum Term: 15 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 1st Lien	-	-	7.05%	20 years
Details As Low As; APR range 7.05% - 12.35%; Maximum Term: 20 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 2nd Lien	-	-	7.05%	7 years
Details As Low As; APR range 7.05% - 12.85%; Maximum Term: 7 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 2nd Lien	-	-	7.55%	10 years
Details As Low As; APR range 7.55% - 13.35%; Maximum Term: 10 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 2nd Lien	-	-	7.80%	15 years
Details As Low As; APR range 7.80% - 13.60%; Maximum Term: 15 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity 2nd Lien	-	-	8.05%	20 years
Details As Low As; APR range 8.05% - 13.85%; Maximum Term: 20 years; Effective 12/18/2025; Property must be located within 200-mile radius of a branch location Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	4.54%	1 - 36 months
Details As Low As; APR range 4.54% - 17.45%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.54% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.69%	37 - 48 months
Details As Low As; APR range 4.69% - 17.69%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.69% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.84%	49 - 66 months
Details As Low As; APR range 4.84% - 17.84%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	4.84%	67 - 72 months
Details As Low As; APR range 4.84% - 17.84%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	1 - 18 months
Details As Low As; APR range 4.84% - 18.00%; Model year: '17 & older Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	24 - 30 months
Details As Low As; APR range 4.84% - 18.00%; Model year: '18 - '19 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	36 - 42 months
Details As Low As; APR range 4.84% - 18.00%; Model year: '20 - '21 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	48 - 60 months
Details As Low As; APR range 4.84% - 18.00%; Model year: '22 - '23 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Autos	-	-	4.84%	60 - 72 months
Details As Low As; APR range 4.84% - 17.84%; Model year: '24 - '26 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Autos	-	-	5.84%	73 - 84 months
Details As Low As; APR range 5.84% - 10.09%; Term available based on credit score; Effective 3/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.04%	1 - 36 months
Details As Low As; Rate range: 6.04% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.19%	37 - 48 months
Details As Low As; Rate range: 6.19% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.34%	49 - 66 months
Details As Low As; Rate range: 6.34% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	6.34%	67 - 72 months
Details As Low As; Rate range: 6.34% - 18.00%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	1 - 18 months
Details As Low As; APR range: 6.34% - 18.00%; Model Year: '17 & older; 100-120% NADA Retail to qualified borrowers; Term available based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	24 - 30 months
Details As Low As; APR range: 6.34% - 18.00%; Model Year: '18 - '19; 100-120% NADA Retail to qualified borrowers; Term available based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	36 - 42 months
Details As Low As; APR range: 6.34% - 18.00%; Model Year: '20 - '21; 100-120% NADA Retail to qualified borrowers; Term available based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	48 - 60 months
Details As Low As; APR range: 6.34% - 18.00%; Model Year: '22 - '23; 100-120% NADA Retail to qualified borrowers; Term available based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-owned Rec Vehicles Loan	-	-	6.34%	60 - 72 months
Details As Low As; APR range: 6.34% - 18.00%; Model Year: '24 - '26; 100-120% NADA Retail to qualified borrowers; Term available based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Rec Vehicles Loan	-	-	7.34%	73 - 84 months
Details As Low As; Rate range: 7.34% - 11.59%; Term available based on credit score; Effective 11/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Card - Premium/Lifestyle	-	8.90%
Details Intro APR 8.90% for six months; regular purchase APR 11.24% - 18.00% (13.24% - 18.00% is the balance transfer/cash advance APR) Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 11.24% → 8.90% ▼ 2.34 pts · high 11.24% / low 8.90% Oct 14, 20268.90%▼ from 11.24% Oct 10, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card - Rewards	-	8.90%
Details Intro APR 8.90% for six months; regular purchase APR 13.24% - 18.00% (15.24% - 18.00% is the balance transfer/cash advance APR) Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 13.24% → 8.90% ▼ 4.34 pts · high 13.24% / low 8.90% Oct 14, 20268.90%▼ from 13.24% Oct 10, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card - Secured	-	8.90%
Details Intro APR 8.90% for six months; regular purchase APR 15.74% (17.74% is the balance transfer/cash advance APR) Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 15.74% → 8.90% ▼ 6.84 pts · high 15.74% / low 8.90% Oct 14, 20268.90%▼ from 15.74% Oct 10, 202615.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card Premium/Lifestyle	-	11.24%
Details Published APR range: 11.24% - 18.00%. Intro rate expires: 6 months; Regular APR: 11.24% - 18.00%; APR for Purchases Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Premium/Lifestyle Card	-	11.24%
Details Intro/promo APR: 8.90%; Intro rate expires: 6 months; Regular APR: 11.24% - 18.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Lifestyle Credit Card	-	11.49%
Details Published APR range: 11.49% - 18.00%. Intro rate expires: 6 months; Regular APR: 11.49% - 18.00% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card Rewards	-	13.24%
Details Published APR range: 13.24% - 18.00%. Intro rate expires: 6 months; Regular APR: 13.24% - 18.00%; APR for Purchases Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 13.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Rewards Card	-	13.24%
Details Intro/promo APR: 8.90%; Intro rate expires: 6 months; Regular APR: 13.24% - 18.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Lifestyle Credit Card	-	13.49%
Details Intro/promo APR: 8.90%; Intro APR 8.90% for 6 months; regular purchase APR 11.49% - 18.00%; balance transfer and cash advance regular APR 13.49% - 18.00% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Credit Card Secured	-	15.74%
Details Intro rate expires: 6 months; Regular APR: 15.74%; APR for Purchases Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 15.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Secured Card	-	15.74%
Details Intro/promo APR: 8.90%; Intro rate expires: 6 months; Regular APR: 15.74% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	1 - 84 months
Details Published APR range: 10.50% - 18.00%. Maximum Amount: $801 - $30,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Small Dollar Personal Loan	12.75%	1 - 6 months
Details Published APR range: 12.75% - 28.00%. Maximum Amount: $800 and Below; Small personal loans of $800 or less will incur a $20 application fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

First Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Farm Equipment (New or Pre-owned)	-	-	7.30%	1 - 72 months
Details Published APR range: 7.30% - 17.80%. Maximum Amount: 100% of purchase price; maximum amount not to exceed 72 months; Effective 03/01/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Regular, Roth & Educational	0.499%	-	0.50%
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Business Share Account	0.35%	-	0.35%
Min Deposit $5 Min Balance $100 Details Minimum balance to earn interest is $100.00; interest compounded and paid quarterly on the daily balance Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Free Kasasa Cash Checking	-	-	5.00%
Min Deposit $25 Details Qualifications Required; Qualifying balance up to $10,000.00; Refunds on ATM withdrawal fees, nationwide; Minimum to open $25 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 5.00% ▲ 4.50 pts · high 5.00% / low 0.50% Oct 14, 20265.00%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kasasa Cash Checking	4.889%	-	5.00%
Details Qualifications Required: Have at least 12 check card purchases post and settle; Enroll and receive e-statement notice; Be enrolled and log into online banking; Balance: Up to $10,000.00; Effective 09/01/23; Qualifying balance up to $10,000.00 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Oct 14, 20265.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kasasa Saver Savings	1.982%	-	2.00%
Details Qualifications Required; Qualifying balance up to $20,000.00; Effective 09/01/23 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 2.00% ▲ 1.95 pts · high 2.00% / low 0.05% Oct 14, 20262.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Kirby Kangaroo (age 0-12)	0.35%	-	0.35%
Min Deposit $5 Min Balance $25 Details Ages: 0-12; Child must be present to receive Kirby Kangaroo prize; One prize per child each day; $5 balance to avoid account closure; $25 average daily balance to obtain disclosed APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.15%	-	0.15%
Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.349%	-	0.35%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Prestige Draft Accounts	0.499%	-	0.50%
Min Balance $15,000 Details Balance: $15,000 and Greater Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Youth Account (age 13-17)	0.35%	-	0.35%
Min Deposit $5 Min Balance $25 Details Ages: 13-17; $5 balance to avoid account closure; $25 average daily balance to obtain disclosed APY Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

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.
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Financial Health History

First Central Credit Union’s Texas Ratio stayed near 6.17% in Q3 2023 to 6.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
June 30, 2026	$192M	6.12%	5.0	A
March 31, 2026	$188M	5.80%	5.0	A+
December 31, 2025	$181M	8.36%	5.0	A
September 30, 2025	$178M	8.18%	5.0	A
June 30, 2025	$175M	8.57%	5.0	A
March 31, 2025	$176M	9.28%	5.0	A
December 31, 2024	$169M	10.69%	5.0	A
September 30, 2024	$169M	9.63%	5.0	A
June 30, 2024	$172M	7.71%	5.0	A
March 31, 2024	$171M	6.74%	5.0	A
December 31, 2023	$166M	7.33%	5.0	A
September 30, 2023	$154M	6.17%	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 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 57

Part-Time Employees 14

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.12%

Return on Assets (ROA)

0.5972%

Return on Equity (ROE)

3.7928%

Non-Performing Loans Ratio (NPL)

1.95%

Total Assets

191,743,660

Total Amount of Shares and Deposits

160,196,680

Total Shares and Deposits < 1 Year

144,666,288

Total Shares and Deposits 1 3 Years

15,063,244

Total Shares and Deposits > 3 Years

467,148

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

8,231,577

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

8,434,577

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

151,762,103

Total Interest Expense (Sum of items 6 8)

1,233,006

Share Certificates

1,250

Number of Accounts for Share Drafts

15,050

IRA KEOGH Accounts

301

Number of Accounts for Regular Shares

23,155

All other shares

316

Non Member Deposits

Money Market Shares

118

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)

16,244,890

Total Liabilities

163,709,068

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Central Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About First Central Credit Union

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

12-Month CD3.50%
24-Month CD3.55%
60-Month CD3.15%
Savings0.50%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Central Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Central Credit Union Texas Ratio

First Central Credit Union Health Trend

First Central Credit Union CD Rates

First Central Credit Union Business CD Rates

First Central Credit Union Savings Rates

First Central Credit Union Money Market Rates

First Central Credit Union Business Money Market Rates

First Central Credit Union Checking Rates

First Central Credit Union Business Checking Rates

First Central Credit Union Home Equity & HELOC

First Central Credit Union Auto Loan Rates

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First Central Credit Union Personal Loan Rates

First Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Central Credit Union

How many branches does First Central Credit Union operate?

Is a member application needed to join First Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Central Credit Union offer online and mobile banking?

Current First Central Credit Union Rates

Compare to Other Credit Unions