First Community Credit Union

  • +1

A short history of First Community CU

Since its inception in 1954 the First Community Credit Union has been serving its members in the Houston, 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 Ronald Downing, the First Community CU has grown its membership to over 122,619 with assets of more than $1,278,872,185. They have a main office and 16 branch offices. Please see the credit unions website or contact them by phone at (281) 856-5300 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 Houston, TX.

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

Charter Number 66818
Address PO Box 840129 
City Houston 
State Texas 
Zip-Code 77284
Phone Number (281) 856-5300
Fax Number (281) 856-6421
Email Address:
CEO/President Ronald Downing
Members 122,619 
Full-Time Employees 268 
Part-Time Employees 69 
Number of Branch Offices 16 
Total Assets 1,278,872,185 

Compare First Community Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
People's Trust CU Shell Woodcreek 150 N Dairy Ashford Rd Ste E-0170 77079 (713) 428-3200 No 0.33
Harris County CU Main Office 1400 Franklin St 77002 (713) 755-5160 No 0.46
Houston Police CU Willowbrook Branch 17314 State Highway 249 Ste 107 77007 (281) 469-9657 No 0.66
Kbr Heritage CU KBR HERITAGE FCU 601 JEFFERSON ST # KT-02 77210 (713) 753-3022 No 0.91
St. Stephen's CU St. Stephens FCU 1215 James St 77009 (713) 862-8945 No 1.17

First Community Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

First Community 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 11.50 5.10 5.50 5.50 6.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 380 407 384 324 391
Rank Among All Texas Credit Unions 79 154 128 95 102

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

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.10 0.20 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 129 114 174 158
Rank Among All Texas Credit Unions 35 47 24 54 31
First Community Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.50024,19155,335,149
All Other Unsecured Loans/Lines of Credit 10.00015,13149,591,048
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.10011,670269,647,408
Used Vehicle Loans 5.50016,516286,081,809
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.5001,534344,412,739
Total Other Real Estate Loans/Lines of Credit 6.50042715,767,065
Leases Receivable 5.250441,808,550
Total All Other Loans/Lines of Credit 7.2503,52034,894,125
TOTAL LOANS & LEASES 73,0331,057,537,893

First Community 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 784117,445,75615028,352,841
    b. 15 Years or less 65587,102,646536,371,548
    a. > 15 years 4979,794,405513,137,006
    b. 15 Years or less 4559,333,36236,044,352
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1736,57000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2999,445,333241,300,016
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1286,321,7328331,700
Open-End Fixed Rate 0000
TOTALS 1,961360,179,80424355,537,463


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 Community Credit Union Member Offerings
First Time Homebuyer Program Yes
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