First Central Credit Union
Verified rate book
Current First Central Credit Union rates
30 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 100% Of Purchase Price; Maximum Amount Not To Exceed 72 Monthsother | 7.300% APR | 7.300% | — | Standard |
Auto & vehicle rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Rec Vehicles* (1 - 36 months)auto_new_36mo | 6.040% APR | 6.040% | 36 mo · new | Standard |
| New Rec Vehicles* (37 - 48 months)auto_new_48mo | 6.190% APR | 6.190% | 48 mo · new | Standard |
| New Rec Vehicles* (67 - 72 months)auto_new_72mo | 6.340% APR | 6.340% | 72 mo · new | Standard |
| New Rec Vehicles* (49 - 66 months)auto_new_66mo | 6.340% APR | 6.340% | 66 mo · new | Standard |
| New Rec Vehicles* (73 - 84 months)auto_new_84mo | 7.340% APR | 7.340% | 84 mo · new | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 5-Year Home Equity Loanheloc | 5.550% APR | 5.550% | — | Standard |
| 7-Year Home Equity Loanheloc | 6.050% APR | 6.050% | — | Standard |
| 10-Year Home Equity Loanheloc | 6.550% APR | 6.550% | — | Standard |
| 15-Year Home Equity Loanheloc | 6.800% APR | 6.800% | — | Standard |
| 20-Year Home Equity Loanheloc | 7.050% APR | 7.050% | — | Standard |
Savings & CD rates
19 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Kasasa Saver* (If qualifications are not met)savings | 0.05% APY | 0.05% | — | Standard |
| Kasasa Saver* (Over $20,000)savings | 0.99% APY | 0.99% | — | Standard |
| Kasasa Saver* (Up to $20,000)savings | 1.98% APY | 1.98% | — | Standard |
| Business Term Certificate* (6 months)share_certificate_6mo | 3.00% APY | 2.97% | 6 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 3.00% APY | 2.97% | 6 mo | Standard |
| Business Term Certificate* (4 years)share_certificate_48mo | 3.10% APY | 3.06% | 48 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.10% APY | 3.06% | 48 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.15% APY | 3.11% | 60 mo | Standard |
| Business Term Certificate* (5 years)share_certificate_60mo | 3.15% APY | 3.11% | 60 mo | Standard |
| Business Term Certificate* (3 years)share_certificate_36mo | 3.25% APY | 3.21% | 36 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.25% APY | 3.21% | 36 mo | Standard |
| Business Term Certificate* (1 year)share_certificate_12mo | 3.50% APY | 3.45% | 12 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.55% APY | 3.50% | 24 mo | Standard |
| Business Term Certificate* (2 years)share_certificate_24mo | 3.55% APY | 3.50% | 24 mo | Standard |
| 25-Month Certificateshare_certificate_25mo | 3.55% APY | 3.50% | 25 mo | Standard |
| 13-Month Certificateshare_certificate_13mo | 3.70% APY | 3.65% | 13 mo | Standard |
| Kasasa Cash* (Over $10,000)savings | 5.00% APY | 5.00% | — | Standard |
| Kasasa Cash* (Up to $10,000)savings | 5.00% APY | 5.00% | — | Standard |
As of August 4, 2026, First Central Credit Union offers mortgage rates from 7.3% APR. Auto loans available from 6.04% APR for 36 months. HELOC rates from 5.55% APR. Savings and certificate yields up to 5.00% APY.
Source: RateAPI.dev, verified from First Central Credit Union's official website
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About First Central Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 20.8K
- Assets
- $188.4M
- Founded
- 1937
- Locations reported
- 6
- NCUA charter
- 67644
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Central Credit Union
Membership eligibility from First Central Credit Union's own published criteria. How we verify this.
Community charter: live/work in McLennan, Hill, Brown +15 more
- LocationMcLennan, Hill, Brown, Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, San Saba
Cost to join: About $5.
Verified from First Central Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Central Credit Union?
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Frequently Asked Questions
What rates does First Central Credit Union offer?
First Central Credit Union currently offers mortgage, Auto loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Central Credit Union rates updated?
RateAPI verifies First Central Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get First Central Credit Union's rate data?
Rate data is collected directly from First Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Central Credit Union's mortgage rate?
As of August 4, 2026, First Central Credit Union offers mortgage rates from 7.3% APR.
What are First Central Credit Union's auto loan rates?
As of August 4, 2026, First Central Credit Union offers auto loans from 6.04% APR.
What is First Central Credit Union's HELOC rate?
As of August 4, 2026, First Central Credit Union offers home equity lines of credit from 5.55% APR.
What is First Central Credit Union's best CD rate?
As of August 4, 2026, First Central Credit Union offers savings and certificate (CD) yields up to 5.00% APY.
Related Rate Data
Compare First Central Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for First Central Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/first-central" \
-H "Authorization: Bearer YOUR_API_KEY"