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First Central

PO Box 21809, Waco, TX 76702
NCUA Insured4.5 (208 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1937

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

Location & Directions

Address

PO Box 21809

Waco, TX 76702

Service Area

This credit union is located in Waco and serves members in the TX area. Currently serving 20,527 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

9.97%

Used Auto Loan

10.73%

Personal Loan

18.17%

Credit Card APR

14.61%

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(6 total)

Member Reviews

4.5

208 Google reviews

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

View on Google Maps
Brian F.

Brian F.

5 months ago

This credit union was a good company 15 years ago. Now- they clearly have lowered their standards and not kept up with the times. It’s 2026 it shouldn’t take a month to get a debit card reissued, and it shouldn’t take up to 45 to dispute a charge that they themselves flagged as fraud. Really disappointing.

Mimi Jasek

Mimi Jasek

8 months ago

No complaints! In house and phone service excellent, employees eager to help if at all possible, and privacy is paramount. I had used various other banks and credit unions prior to joining FCCU, and know I am home now permanently with this financial institution. They are all in for the sake of their members.

Stormy Louise

Stormy Louise

7 months ago

I walked into the bank first thing this morning at 9 am with a line of 6 people in front of me which is completely okay, it's busy I get it! While I'm waiting all 4 tellers walked out which gave me some hope. Once I finally got to the front to get some help there was a gentleman not helping anyone watching racing on his phone clear as day, the other lady who looked to be the boss was just pacing around on her phone. So technically only two tellers working while they are slammed once I finally got HALF the help I needed when I turned around to leave there were 10 more customers waiting to be helped. I have banked with this bank for 10 years now (I deal with the bellmead branch who has NEVER LET ME DOWN) but I came to the Sanger location because it was closer, I'll never do that again. I seriously am considering changing banks after today. I still have to go back to the bank to finish what I started today but I will be doing to the bellmead location next time. It was truly disappointing costumer service coming from someone who works in customer service

kelly whitehead

kelly whitehead

5 months ago

Just opened an account over the phone . Daniel A. Was excellent helping Mr choose the right option for me and getting me all set up extremely satisfied with the ease of opening an account and customer service I received from him.

Connie Lozano

Connie Lozano

7 months ago

I recently visited the First Central Credit Union on Sanger Ave. I noticed new staff, and a whole new atmosphere. Offices which were once closed and used as storage rooms were neat, clean and occupied. I have used First Central for several years as my financial institution and this is the FIRST time I have seen such a positive, organized and customer friendly office. Thank you to Ms. Joy, the new Branch Manager for her most pleasant, friendly and caring help. Continue the Great Service.

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).