Welcome to first-central, a pillar of financial empowerment and community service since 1937. With a mission to serve our members—especially military personnel and local families—we are dedicated to providing exceptional banking services that cater to your unique needs. Under the leadership of CEO JoBetsy Tyler and Board President Lori Alambar, we have built a reputation for trust, accessibility, and a member-first approach. Our headquarters in Waco, TX is a hub of innovation where modern banking solutions are at your fingertips.

As a federally insured institution since 7/16/1991 0:00, we prioritize the security and well-being of our members' finances. Our comprehensive suite of services includes Online Banking, Mobile App access, P2P Transfers, E-Statements, Mobile Payments, and E-signature Authorization, ensuring that you can manage your finances easily and securely. At first-central, we believe in making banking simple and convenient for everyone. For more information about our offerings or to connect with us, visit our website at https://www.firstcentralcu.com/ or reach out via fax at (254) 741-2212. Join us today and experience the difference that comes with being part of a community-focused financial institution.

At first-central, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to more specialized offerings such as auto loans, mortgage loans, and credit cards with rewards, we have something for everyone. Our business banking services cater to small businesses, providing essential tools such as merchant services and business loans that help entrepreneurs thrive. Additionally, we understand the importance of convenience in today's fast-paced world; that's why we provide robust online banking options, a user-friendly mobile application, and seamless ATM access for cash withdrawals.

Managing your finances has never been easier with features like Person-to-Person transfers, mobile payments, e-statements, and e-signatures at your fingertips. Whether you're planning for life's milestones or seeking to grow your small business, our digital tools empower you to take control of your financial journey. Membership is accessible and straightforward—learn about the qualifications by visiting http://www.firstcentralcu.com/about-us/become-a-member.html . For those looking to explore loan options or check rates, our partnership with loan aggregators allows you to compare various offers effortlessly at https://www.lendmesh.com/loans/vehicle_loans . If you have questions or need personalized support, feel free to reach out via fax at (254) 741-2212. At first-central, we're here to assist you every step of the way as you navigate your financial goals.

First Central Credit Union has established itself as a trusted and valuable financial partner for its members. With a total membership of 19,844, it is clear that our community places their confidence in us to manage their financial needs effectively. Our robust financial foundation is reflected in our total assets, which stand at an impressive 168,681,567. This strong asset base allows us to offer competitive products and services that cater to a diverse range of financial needs.

The net worth of 26,118,117 underscores our commitment to maintaining financial stability and security for our members. In addition, our net worth ratio of 1,548 demonstrates the strength of our capital position, providing peace of mind that we are well-equipped to support both current and future member needs. We take pride in our ability to attract deposits, with total deposits reaching 12,723,279, showcasing the trust our members place in us.

Our lending capabilities are equally noteworthy, with a total loans and leases amounting to 9,081. This includes a significant credit card loan volume of 3,849 and an auto loan volume of 4,636, reflecting our commitment to helping members achieve their personal finance goals through accessible credit solutions. Importantly, we operate without any commercial loans or borrowings, reinforcing our position as a financially sound institution focused solely on serving our members.

With a dedicated team of 72 employees, we strive for excellence in customer service, ensuring that each member receives personalized attention and support tailored to their unique circumstances. Our transparent operations and dedication to community impact further solidify First Central as a reliable partner in your financial journey.

Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . Compare real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.