PO Box 840129
Houston, TX 77284


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 66818
Date Established 1954
Assets $1,477.31 million
Loans $1,107.12 million
Deposits $1,306.69 million
Capital $138.23 million

First Community is an NCUA insured institution located in Houston, TX. It was founded in 1954 and has approximately $1477.31 millions in assets.

Who can join?

Individuals that live, work, worship or go to school within Harris County.

Individuals that live, or work within Fort Bend County and parts of Tomball

Individuals that have a family member who is currently a member with FCCU

Individuals that work for a Select Employer Group (SEG) company

Field of Membership Restrictions

Membership is open to those who live or work in Harris, Montgomery or Fort Bend Counties.

Deposit Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.65% $2,500 $4,999 Learn MoreShow Less
Money Market
0.70% $5,000 $24,999 Learn MoreShow Less
Money Market
0.80% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.80% $25,000 $99,999 Learn MoreShow Less
2.20% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.65% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.75% $100,000 - Learn MoreShow Less
1.70% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.85% $100,000 - Learn MoreShow Less
2.20% $500 $99,999 Learn MoreShow Less
12 Mo CD
2.45% $100,000 - Learn MoreShow Less
18 Mo CD
2.35% $500 $99,999 Learn MoreShow Less
18 Mo CD
2.60% $100,000 - Learn MoreShow Less
2.40% $500 $99,999 Learn MoreShow Less
24 Mo CD
2.65% $100,000 - Learn MoreShow Less
2.45% $500 $99,999 Learn MoreShow Less
36 Mo CD
2.70% $100,000 - Learn MoreShow Less
2.50% $500 $99,999 Learn MoreShow Less
48 Mo CD
2.75% $100,000 - Learn MoreShow Less
2.55% $500 $99,999 Learn MoreShow Less
60 Mo CD
2.80% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $100 $25,000 Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FIRST COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.527% 3.500% 0.38 $852 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are First Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

First Community Locations

Financial Details

First Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Community U.S. Average
5.77% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, First Community had $8,306,627 in non-current loans and $0 in owned assets. To cover these potential losses it had $138,225,621 in net worth and $5,698,968 in loans loss reserves. That gives it a Texas Ratio of 5.77%.

Net Worth
First Community U.S. Average
9.35% 13.47%

First Community FCU has a net worth of 9.35% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Community

Branches and Savings

What is First Community?

A federal credit union, registered with the NCUA under certificate #66818.
Learn more about credit unions here.

Is First Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join First Community?

Please see Field of Membership information above for information on who is eligible to join.

What are First Community's share account and share certificate rates?

First Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Community?

First Community has total capital of $138.23 million. Full information on First Community's financial position is located above.

Who owns First Community?

Credit Unions are owned by their members.

Where are First Community branches located?

See branch locations nearby.

Are First Community ATMs Open 24/7?

Do First Community ATMs accept cash deposits?

Can First Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Community have a mobile app?

Does First Community have mobile deposit?

Does First Community have quick pay?

How can First Community transfer money to other banks or credit unions?

Does First Community report to credit bureaus?

Does First Community use Chexsystems?

Does First Community use Equifax?

What is First Community's toll free phone number?

What is First Community's ACH Routing Number?

What is First Community's SWIFT code?

Where can I find First Community's wire transfer form?

What is the First Community address for deposits?

What Products Does First Community Offer

Does First Community offer mortgages?

Compare mortgage rates here.

Does First Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community offer auto and RV loans?

Compare auto loan rates here.

Does First Community offer student loans or personal loans?

Compare personal loan rates here.

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