First Service

PO Box 941914, Houston, TX 77094

NCUA Insured4.3 (204 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1977

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

Membership Eligibility

Anyone who lives, works, or worships in or around Houston, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1977

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 941914

Houston, TX 77094

Google Maps 🗺Waze

(713) 676-4344

Service Area

This credit union is located in Houston and serves members in the TX area. Currently serving 106,409 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

5.39%

Used Auto Loan

5.89%

Personal Loan

11.99%

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).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

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

Branches & Locations(14 total)

Member Reviews

4.3

204 Google reviews

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

View on Google Maps

Curtis Perry

5 months ago

The people at location were very warm and friendly. My car was having battery problems on the highway and I saw one of my bank locations. I pulled over to this location and waited till they open. I offered assistance with acquiring a tow truck and warm cup coffee. All the people at branch made me feel right at home. Even the security guard Tanya knew the local customers. I love that. I live in Kingwood but I will drive all the way back for that banking experience. People that truly care about you

Garian Mason

5 months ago

Best credit union ever! Jesus is the man and the ladies are always helpful! I like going to this branch just to say hi and see the team. The manager Sonja does a great job building relationships with everyone as you can tell she knows everyone. Open an account here, they take great care of you!

robert gonzales

3 months ago

They got the name incorrect on my first service card couldn't sign in came back another day. They realized they put the wrong phone number in got the card corrected, but they never gave me the card. I had to go back again.\n Problems.

Cynthia Widacki

a year ago

We have been members of the credit union for many many years and always wonderful experiences. However, the greatest has been recently and made me realize we bank at the best. My mother passed away over the holidays and went to the CU for banking and was not a good day, as doing business Irma checked on me to be sure all was ok and when I explained she offered sincere condolences and it made my heart warm. Well several days later I received a wonderful condolence card signed by several and that truly made me feel like family and again warmed my heart. The tellers always have a smile and helpful attitude whether you go in for banking or use the drive thru. Thank you FSCU at the Northwest Branch, you are the best!!!! Cynthia W.