First Central Credit Union

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A short history of First Central CU

Since its inception in 1937 the First Central Credit Union has been serving its members in the WACO, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jo Betsy Tyler, the First Central CU has grown its membership to over 14,155 with assets of more than $80,217,083. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (254) 776-9333 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WACO, TX.

General Information For First Central CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67644
Address PO BOX 21809 
City WACO 
State Texas 
Zip-Code 76702
Phone Number (254) 776-9333
Fax Number (254) 741-2212
Email Address:
CEO/President Jo Betsy Tyler
Members 14,155 
Full-Time Employees 44 
Part-Time Employees 11 
Number of Branch Offices
Total Assets 80,217,083 

Compare First Central Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Highway District 9 CU Highway District 9 Credit Union 2417 Columbus Ave 76701 (254) 756-6331 No 0.57
Mclennan County Employees CU Corporate Office 215 N 5th St Ste 224 76701 (254) 757-5015 No 0.97
Waco CU Main 826 N 3rd St 76703 (254) 753-0361 No 1.15
1st University CU Aramark Management Offices 2100 River St 76703 (254) 710-1414 No 1.44
Genco CU Valley Mills 731 N Valley Mills Dr 76714 (254) 776-9550 No 2.31

First Central Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

First Central Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.95 9.70 8.45 5.80 6.38
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 337 622 659 354 379
Rank Among All Texas Credit Unions 69 214 217 104 97

First Central Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.20 0.30 0.50 1.22 0.45
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 102 88 60 131 234
Rank Among All Texas Credit Unions 24 31 11 38 60
First Central Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.9501,2141,765,158
All Other Unsecured Loans/Lines of Credit 16.2803,1243,437,373
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.590279556,853
New Vehicle Loans 9.7001954,148,883
Used Vehicle Loans 8.4502,37724,597,979
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.80030312,642,150
Total Other Real Estate Loans/Lines of Credit 6.380780,653
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.8802341,986,155
TOTAL LOANS & LEASES 7,73349,215,204

First Central Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 544,804,3185482,000
    b. 15 Years or less 2497,837,83223869,800
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 780,65300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 31012,722,803281,351,800


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

First Central Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes