Back to Abilene credit unions

First Watch

1118 Pine St, Abilene, TX 79601
NCUA Insured3.4 (29 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1118 Pine St

Abilene, TX 79601

Service Area

This credit union is located in Abilene and serves members in the TX area. Currently serving 9,379 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.85%

Used Auto Loan

5.37%

Personal Loan

10.12%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.4

29 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Natalie Hopkins

Natalie Hopkins

6 months ago

The bank itself is okay but the professionalism has gone down. The first lady I saw had a face full of earrings. This is not what I want to see in what is supposed to be a professional business like a bank. Those clear holders have been around for decades or she could simply take them out for her job. I've had facial piercings I took out. This is the first impression people will see & it makes it seem the bank doesn't actually care. The septum piercing is one that belongs nowhere near any such jobs. I feel this is equivalent to showing up in gym clothes for work. It shows the company doesn't put any effort into their business. Why would I think they would handle my money correctly if they can't even have their employees show up & look like they care? Buying a car through them has always had a good interest rate but I'll keep most of my business at my other bank based on this bad decision by the credit union.

Ray Bellman

Ray Bellman

7 months ago

Terrible service, lies and constant issues with this bank. Do not use them period unless you want a headache every single week.

RBarton Travel

RBarton Travel

2 years ago

This post is specifically about a woman that works there named Elaine. My parents are aging and wanted me to be added to their banking accounts to help make sure everything keeps running smoothly, however, my mother was embarrassed to admit she needs help. When we walked in and told Elaine why we were there she immediately talked about what a great idea it was. She was so enthusiastic and comforting she really helped put my mom at ease by making her feel this is something that happens regularly. I don't know if it does or not, but Elaine's demeanor and professionalism was wonderful!

Gary Collins II

Gary Collins II

2 years ago

My absolute gratitude and appreciation to all the staff at First Watch Credit Union. Particularly Lucy, and Elle who helped me most recently. I have great appreciation for the help I have received at both the Pine Street and the Catclaw branches

Margie Ramirez

Margie Ramirez

4 years ago

I had been trying to log in to check my account on the app. I called several times to AFCU Pine st.. and they were rude and were and didn't care to help. They said we don't know what to tell you other than come up here. I live in Hawley. So I decided to call AFCU Catclaw the teller actually took her time to help me. She reset the pass word and gave it to me so could actually go through the process of logging in. It took maybe 5 min. AFCU Pine has horrible people working there.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).