--- title: "First Central Credit Union Rates (Nov 2026): CDs to 4.00%" description: "First Central Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join First Central Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/first-central" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Central Credit Union Rates (Nov 2026): CDs to 4.00% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **100% Of Purchase Price; Maximum Amount Not To Exceed 72 Months** other | — APR | 7.300% | — | Standard | First Central Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **New Rec Vehicles* (1 - 36 months)** auto_new_36mo | — APR | 6.040% | 36 mo · new | Standard | | **New Rec Vehicles* (37 - 48 months)** auto_new_48mo | — APR | 6.190% | 48 mo · new | Standard | | **New Rec Vehicles* (49 - 66 months)** auto_new_66mo | — APR | 6.340% | 66 mo · new | Standard | | **New Rec Vehicles* (67 - 72 months)** auto_new_72mo | — APR | 6.340% | 72 mo · new | Standard | | **New Rec Vehicles* (73 - 84 months)** auto_new_84mo | — APR | 7.340% | 84 mo · new | Standard | First Central Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan** heloc | — APR | 5.550% | — | Standard | | **7-Year Home Equity Loan** heloc | — APR | 6.050% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 6.550% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 6.800% | — | Standard | | **20-Year Home Equity Loan** heloc | — APR | 7.050% | — | Standard | First Central Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Business Plus Checking** checking | — APY | 0.05% | — | Eligibility restricted | | **Kasasa Saver* (If qualifications are not met)** savings | — APY | 0.05% | — | Context only | | **Kasasa Saver* (Over $20,000)** savings | — APY | 0.99% | — | Context only | | **Kasasa Saver* (Up to $20,000)** savings | — APY | 1.98% | — | Context only | | **Business Term Certificate* (6 months)** share_certificate_6mo | 3.00% APY | 2.97% | 6 mo | Eligibility restricted | | **6-Month IRA Certificate** ira_cd_6mo | 3.00% APY | 2.97% | 6 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 3.10% APY | 3.06% | 48 mo | Standard | | **Business Term Certificate* (4 years)** share_certificate_48mo | 3.10% APY | 3.06% | 48 mo | Eligibility restricted | | **60-Month IRA Certificate** ira_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 | Eligibility restricted | | **36-Month IRA Certificate** ira_cd_36mo | 3.25% APY | 3.21% | 36 mo | Standard | | **Business Term Certificate* (3 years)** share_certificate_36mo | 3.25% APY | 3.21% | 36 mo | Eligibility restricted | | **Business Term Certificate* (1 year)** share_certificate_12mo | 3.50% APY | 3.45% | 12 mo | Eligibility restricted | | **12-Month IRA Certificate** ira_cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **Business Term Certificate* (2 years)** share_certificate_24mo | 3.55% APY | 3.50% | 24 mo | Eligibility restricted | | **24-Month IRA Certificate** ira_cd_24mo | 3.55% APY | 3.50% | 24 mo | Standard | | **25-Month Certificate** share_certificate_25mo | 3.80% APY | 3.75% | 25 mo | Standard | | **13-Month Certificate** share_certificate_13mo | 4.00% APY | 3.94% | 13 mo | Standard | | **Kasasa Cash* (Over $10,000)** savings | — APY | 5.00% | — | Context only | | **Kasasa Cash* (Up to $10,000)** savings | — APY | 5.00% | — | Context only | First Central Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/first-central) , verified from [First Central Credit Union's official website](https://www.firstcentralcu.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Educators** MAIN · WACO · TX · 76710-5589 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/educators) [**Members Choice of Central Texas** Main Branch · Waco · TX · 76710 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/members-choice-of-central-texas) [**Fontana** Data Systems of Texas · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/california/fontana) [**Kraftman** Bradford Scott · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/louisiana/kraftman) [**Mcmurrey** Sharetec · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/texas/mcmurrey) [**Pba** DATA SYSTEMS OF TEXAS · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/arkansas/pba) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Central Credit Union's website. Check the membership page below to confirm whether you qualify. - Location mclennan, hill, brown, bell, bosque, callahan, coleman, comanche, coryell, eastland, falls, limestone, mcculloch, milam, mills, navarro, robertson, san saba — TX - Employer select employment groups Verified from [First Central Credit Union's membership page](https://www.firstcentralcu.com/about-us/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for First Central Credit Union Geography 18 counties · Employers · Family 70 published paths to membership, last verified August 27, 2026, quoted from First Central Credit Union’s own published criteria. ### Geography 18 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Bell County, TX - Bosque County, TX - Brown County, TX - Callahan County, TX - Coleman County, TX - Comanche County, TX - Coryell County, TX - Eastland County, TX - Falls County, TX - Hill County, TX - Limestone County, TX - Mcculloch County, TX - Mclennan County, TX - Milam County, TX - Mills County, TX - Navarro County, TX - Robertson County, TX - San Saba County, TX “If you live or work in McLennan County; or live, work or worship in Hill or Brown Counties; or have an eligible family member who is a member of First Central Credit Union, then you are eligible for membership.” > [source ↗](https://www.firstcentralcu.com/about-us/become-a-member.html) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of select employment groups “Membership is open to employees of our select employment groups.” > [source ↗](https://www.firstcentralcu.com/about-us/become-a-member.html) - Employee of select employment groups ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “or have an eligible family member who is a member of First Central Credit Union” > [source ↗](https://www.firstcentralcu.com/about-us/become-a-member.html) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Central Credit Union? Yes No ## Work at First Central Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Central Credit Union ranks against Texas peers. - See which AI assistants fetched First Central Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-central&state=texas&code=TX&name=First%20Central%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 best CD rate? As of November 12, 2026, First Central Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join First Central Credit Union? First Central Credit Union publishes its membership criteria on its own website. RateAPI tracks 70 published membership paths covering 18 counties and 1 employer for First Central Credit Union, each quoted from First Central Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Central Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.firstcentralcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Central Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Central Credit Union curl "https://api.rateapi.dev/credit-unions/texas /first-central " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Central Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/first-central Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp