What are the current interest rates at First Community Credit Union Houston, TX?

Current rates for First Community Credit Union Houston, TX include: 12-Month CD: 3.90%, 18-Month CD: 4.05%, 24-Month CD: 4.15%, 60-Month CD: 4.40%, Savings: 0.30%, MMA: 2.25%

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First Community Credit Union Houston, TX

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First Community Credit Union Houston, TX Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

First Community Credit Union Houston, TX's top rates as of October 13, 2026 are 4.70% APY on its 5 Year Business CD, 0.30% APY on savings, 2.25% APY on money market accounts, 5.00% APY on checking, 6.25% on its 10 Year Fixed mortgage, personal loans from 10.24% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other First Community Credit Union Houston, TX CD rates include 4 Year Business CD at 4.60%, 5 Year Business CD at 4.60%, and 3 Year Business CD at 4.50%. Other First Community Credit Union Houston, TX mortgage rates include Mortgage Refinance - 10 Year Fixed at 6.25%, 15 Year Fixed at 6.38%, and Mortgage Refinance - 15 Year Fixed at 6.38%. 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 3.58%. Rates last updated and verified on 10/13/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Community Credit Union Houston, TX
Administration

15260 FM 529 Rd
Houston, TX 77095-3252

https://fccu.org

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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 Community Credit Union Houston, TX Business CD Rates

Product	Rate	APY	Term
5 Year Business CD	-	4.70%	5 Year
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
4 Year Business CD	-	4.60%	4 Year
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
5 Year Business CD	-	4.60%	5 Year
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Year Business CD	-	4.50%	3 Year
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Year Business CD	-	4.50%	3 Year
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Year Business CD	-	4.50%	3 Year
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Year Business CD	-	4.50%	3 Year
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
4 Year Business CD	-	4.50%	4 Year
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
5 Year Business CD	-	4.50%	5 Year
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
4 Year Business CD	-	4.40%	4 Year
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
5 Year Business CD	-	4.40%	5 Year
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Business CD	-	4.35%	18-Month
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Month Business CD	-	4.30%	3 month
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
4 Year Business CD	-	4.30%	4 Year
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Business CD	-	4.25%	18-Month
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
1 Year Business CD	-	4.20%	1 Year
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Month Business CD	-	4.20%	3 month
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Business CD	-	4.15%	18-Month
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
2 Year Business CD	-	4.15%	2 Year
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
2 Year Business CD	-	4.15%	2 Year
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
2 Year Business CD	-	4.15%	2 Year
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
2 Year Business CD	-	4.15%	2 Year
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
1 Year Business CD	-	4.10%	1 Year
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Month Business CD	-	4.10%	3 month
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
18 Month Business CD	-	4.05%	18-Month
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
9 Month Business CD	-	4.05%	9 month
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
1 Year Business CD	-	4.00%	1 Year
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Month Business CD	-	4.00%	3 month
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
9 Month Business CD	-	3.95%	9 month
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
1 Year Business CD	-	3.90%	1 Year
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Business CD	-	3.90%	6 month
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
9 Month Business CD	-	3.85%	9 month
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Business CD	-	3.80%	6 month
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
9 Month Business CD	-	3.75%	9 month
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Business CD	-	3.70%	6 month
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month Business CD	-	3.60%	6 month
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Savings Rates

Product	Rate	APY	View More
Savings	-	0.30%
Details Featured rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Money Market Rates

Product	Rate	APY	View More
Money Market Fund	-	2.25%
Details Featured rate Last Updated 10/13/2026 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: 3.58%

First Community Credit Union Houston, TX Checking Rates

Product	Rate	APY
Checking	-	5.00%
Details Featured rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Management Checking	-	1.25%
Details Featured rate Last Updated 10/13/2026 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: 3.58%

First Community Credit Union Houston, TX Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.25%	-	6.563%	10 years
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.01% → 6.56% ▲ 0.55 pts · high 6.56% / low 6.01% Oct 1, 20266.56%▲ from 6.01% Sep 14, 20266.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mortgage Refinance - 10 Year Fixed	6.25%	-	6.563%
Details Monthly Principal & Interest: $3,368.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15 Year Fixed	6.375%	-	6.583%	15 years
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.12% → 6.58% ▲ 0.46 pts · high 6.58% / low 6.12% Oct 1, 20266.58%▲ from 6.12% Sep 14, 20266.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mortgage Refinance - 15 Year Fixed	6.375%	-	6.583%
Details Monthly Principal & Interest: $2,593.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home - VA Loan	6.875%	-	7.234%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 6.71% → 7.23% ▲ 0.53 pts · high 7.23% / low 6.71% Oct 1, 20267.23%▲ from 6.71% Sep 22, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
20 Year Fixed	7.125%	-	7.316%	20 years
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.80% → 7.32% ▲ 0.52 pts · high 7.32% / low 6.80% Oct 1, 20267.32%▲ from 6.80% Sep 14, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mortgage Refinance - 20 Year Fixed	7.125%	-	7.316%
Details Monthly Principal & Interest: $2,348.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
30 Year Fixed	7.25%	-	7.404%	30 years
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.90% → 7.40% ▲ 0.50 pts · high 7.40% / low 6.90% Oct 1, 20267.40%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mortgage Refinance - 30 Year Fixed	7.25%	-	7.404%
Details Monthly Principal & Interest: $2,047.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Jumbo 30 Year Loan	7.375%	-	7.466%	30 years
Details Jumbo loans are loans greater than $832,750; 20% down payment required and up to 80% LTV Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mortgage Refinance - Jumbo 30 Year	7.375%	-	7.466%
Details Monthly Principal & Interest: $6,907.00; Jumbo loans greater than $832,750; 20% down payment required, up to 80% LTV Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
FHA Loan	6.875%	-	7.763%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 7.24% → 7.76% ▲ 0.52 pts · high 7.76% / low 7.24% Oct 1, 20267.76%▲ from 7.24% Sep 22, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	10.00%
Details Published APR range: 10.00% - 11.25%. Other Mortgage Loans; Variable Rate APR; Membership in good standing required; Homestead properties in Texas only Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 1, 202610.00%▲ from 9.75% Sep 22, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Auto Loan Rates

Product	Rate	Points	APR	Term
Auto New	-	-	3.99%	36-84 Months
Details As Low As; Fixed Rate APR range: 3.99% - 17.44%; New vehicle loan; 84-month term applies to vehicle model years 2024 or newer and minimum $30,000 financed; 96-month term applies to model years 2025 or newer and minimum $50,000 financed; lowest rate includes discounts up to 1.00% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Used	-	-	3.99%	36-84 Months
Details As Low As; Fixed Rate APR range: 3.99% - 17.44%; Used vehicle loan; 84-month term applies to vehicle model years 2024 or newer and minimum $30,000 financed; 96-month term applies to model years 2025 or newer and minimum $50,000 financed; lowest rate includes discounts up to 1.00% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New and Used Auto	-	-	3.99%
Details Featured rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Credit Card Rates

Product	Rate	APR
Credit Cards	-	12.49%
Details Featured rate Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 9, 202612.49%▲ from 11.99% Sep 18, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Visa Rewards (including Secured)	-	12.49%
Details Published APR range: 12.49% - 17.99%. Open-end credit card; Variable Rate APR column, listed as Non-Variable Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 9, 202612.49%▲ from 11.99% Sep 22, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Personal Loan Rates

Product	APR	Term
Personal Loans	10.24%
Details Featured rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Oct 9, 202610.24%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Debt Consolidation Loan	11.74%	24-84 months
Details Fixed Rate APR range: 11.74% - 17.99%; Type: Debt Consolidation Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

First Community Credit Union Houston, TX Other Rates

Product	Rate	Points	APY/APR
GENIUS Loan	-	-	12.49%
Details Published APR range: 12.49% - 17.99%. Open-end credit card; Fixed Rate APR column, listed as Non-Variable Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 9, 202612.49%▲ from 11.99% Sep 22, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Line of Credit - RediCash	-	-	14.74%
Details Variable Rate APR; Term: open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Line of Credit - RediCash Plus	-	-	17.24%
Details Variable Rate APR; Term: open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 17.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Certificate of Deposit (CD)	-	-	4.70%
Details Featured rate Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.35% → 4.70% ▲ 0.35 pts · high 4.70% / low 4.35% Oct 13, 20264.70%▲ from 4.35% Sep 18, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Accounts	-	-	0.30%
Details Featured rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Community Credit Union Houston, TX’s Texas Ratio rose from 2.63% in Q3 2023 to 3.58% in Q2 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

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	$3.1B	3.58%	5.0	A+
March 31, 2026	$3.0B	3.51%	5.0	A+
December 31, 2025	$3.0B	3.99%	5.0	A+
September 30, 2025	$2.9B	5.29%	5.0	A+
June 30, 2025	$2.7B	5.08%	5.0	A+
March 31, 2025	$2.7B	4.80%	5.0	A+
December 31, 2024	$2.6B	5.32%	5.0	A+
September 30, 2024	$2.4B	5.66%	5.0	A+
June 30, 2024	$2.4B	5.29%	5.0	A+
March 31, 2024	$2.6B	3.58%	5.0	A+
December 31, 2023	$2.5B	3.50%	5.0	A+
September 30, 2023	$2.5B	2.63%	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 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 356

Part-Time Employees 70

Branch Locations 16

ATM Locations 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

0.4243%

Return on Equity (ROE)

5.3157%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

3,074,860,378

Total Amount of Shares and Deposits

2,026,115,258

Total Shares and Deposits < 1 Year

1,944,609,031

Total Shares and Deposits 1 3 Years

60,820,433

Total Shares and Deposits > 3 Years

20,685,794

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

200,624,549

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

200,624,549

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

1,825,490,709

Total Interest Expense (Sum of items 6 8)

29,454,293

Share Certificates

14,928

Number of Accounts for Share Drafts

131,082

IRA KEOGH Accounts

2,188

Number of Accounts for Regular Shares

200,807

All other shares

1,113

Money Market Shares

9,862

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)

76,607,223

Total Liabilities

2,850,609,355

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Community Credit Union Houston, TX earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Community Credit Union Houston, TX

How 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

12-Month CD3.90%
18-Month CD4.05%
24-Month CD4.15%
60-Month CD4.40%
Savings0.30%
MMA2.25%

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

Compare to Other Credit Unions

First Community Credit Union Houston, TX Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Community Credit Union Houston, TX Texas Ratio

First Community Credit Union Houston, TX Health Trend

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First Community Credit Union Houston, TX Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Community Credit Union Houston, TX earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Community Credit Union Houston, TX

How many branches does First Community Credit Union Houston, TX operate?

Is a member application needed to join First Community Credit Union Houston, TX?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Community Credit Union Houston, TX offer online and mobile banking?

Current First Community Credit Union Houston, TX Rates

Compare to Other Credit Unions