First Central Credit Union Brownwood TX | Affordable Auto Loans & Business Banking

Introduction

At First Central's Brownwood Branch, located at 1602 Austin Ave, Brownwood, TX 76801, we understand that banking is not just about transactions; it's about building relationships and fostering community. Established in 1937, our credit union has grown to serve over 19,844 members, reflecting a commitment to personal service and community support. With total assets of $168,681,567 and deposits amounting to $12,723,279, we pride ourselves on maintaining financial stability while ensuring that our members' needs come first. Our dedicated team of 72 employees, led by CEO JoBetsy Tyler and Board President Lori Alambar, works tirelessly to provide a range of services that include personal banking, auto loans, mortgage financing, and business banking solutions. We believe in making finance accessible and straightforward for everyone in the Brownwood area. While members can visit us at our branch for friendly assistance or to conduct their banking needs, any official correspondence should be directed to our mailing address: PO Box 1745, Brownwood, TX 76804. Our drive-thru service is available from 7:30 AM to 6:00 PM, Monday through Friday, providing convenience for those on the go. Whether you're looking for help with loans (with over 9,081 loans currently active) or want to explore investment options, we're here to guide you every step of the way. Join us at First Central today! Feel free to reach out by calling us at 325-641-2943 or visit our website at firstcentralcu.com for more information. Your financial journey is important to us, and we are excited to support you in achieving your goals!

Branch History & Mission

Welcome to First Central, located in the heart of Brownwood, Texas! Since our establishment in 1937, we have been dedicated to serving our community and providing a range of financial services that empower individuals and families. Our journey began with a small group of visionaries who believed in the power of community banking. Over the years, we have grown significantly and now proudly serve over 19,800 members. Our branch is conveniently situated at 1602 Austin Ave, Brownwood, TX 76801, a location that has become a familiar hub for local residents. Whether you're stopping by to access our drive-thru service or withdrawing cash from our ATM, you'll find our friendly staff ready to assist you with all your banking needs. If you need to send official correspondence, please note that our mailing address is PO Box 1745, Brownwood, TX 76804. At First Central, we believe in a mission that goes beyond just banking. We are committed to providing quality financial services while also giving back to our community. This commitment is reflected in everything we do from offering competitive rates on auto loans and mortgages to facilitating personal loans and credit cards with rewards. Our goal is not only to help our members achieve their financial dreams but also to foster strong relationships within the community. As technology has advanced, so have we. Our members can enjoy online and mobile banking options, making it easier than ever to manage accounts anytime and anywhere. We take pride in being ADA compliant and ensuring that everyone has equal access to our services. In addition to traditional banking products, we participate in shared service centers that allow members from partner credit unions to access their funds conveniently. This collaborative spirit strengthens our community ties and enhances the services available to everyone. First Central's growth reflects not just numbers but the trust placed in us by our members. With total assets now exceeding $168 million, we are well-positioned to continue supporting the financial needs of Brownwood residents for many more years. We invite you to join us on this journey! Experience the difference of being part of a credit union that truly cares about its members and the community. For any inquiries or assistance, feel free to reach us at 325-641-2943 or visit our website at First Central. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At First Central, we believe that banking should be accessible for everyone. Our facilities are ADA compliant, featuring ramps and designated parking spaces for those who need them. Whether you're using our drive-thru or visiting inside, we strive to make your experience as smooth as possible.

Conveniently Located

Nestled near local landmarks like the Brownwood Regional Medical Center and the vibrant downtown area, our branch is ideally situated for both residents and visitors. With ample parking available, you'll find it easy to visit us anytime during our drive-thru hours from 7:30 AM to 6:00 PM on weekdays.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 325-641-2943. While members can visit us at our physical location for their banking needs, official correspondence should be sent to PO Box 1745, Brownwood, TX 76804. We invite you to stop by First Central today and discover how we can support your financial journey!

Services Tailored for You

We offer a wide range of services including personal banking accounts, auto loans, mortgage options, and credit cards with rewards. If you prefer banking on-the-go, our online and mobile banking services are just a click away. Plus, if you're a member of another partner credit union, you can take advantage of our shared service center for basic transactions.

Member Eligibility

At First Central, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is straightforward and open to anyone who lives, works, worships, or attends school in our area. Whether you're looking to open a checking account, secure a loan, or just find a place that truly cares about your financial well-being, we welcome you with open arms. To see the full details on eligibility criteria, feel free to check out our website at http://www.firstcentralcu.com/about-us/become-a-member.html. Joining us means gaining access to a variety of services designed with you in mind, from personal banking options to auto loans and more. You can easily start your membership journey by reaching out to us at (325) 641-2943, or simply drop by our branch located at 1602 Austin Ave Brownwood Tx 76801. We're excited to help you take the first step towards better financial health!

Business Banking & Commercial Services

Merchant Services

Beyond loans, our merchant services simplify everyday transactions. Picture this: your customers making quick payments while you track sales effortlessly. Our services ensure that your business runs smoothly, allowing you to focus on what truly matters serving your customers and growing your brand. Located at 1602 Austin Ave Brownwood Tx 76801 in Brownwood, TX, we're here to partner with you every step of the way. Contact us at (325) 641-2943 to learn more about how we can help your business reach its full potential!

Comprehensive List Of Services

Accessible Banking Facilities

When you visit us at First Central, you'll find that we've made banking straightforward with our Basic Drive-Thru Banking services for deposits and withdrawals. Plus, as a member of partner credit unions, you can access basic shared branch transactions for added convenience. If you're interested in learning more about how First Central can assist you with your financial journey or if you're ready to open an account today, don't hesitate to reach out! Give us a call at 325-641-2943 or visit our website at First Central. Your financial well-being is our priority!

Business Banking Assistance

For entrepreneurs and business owners in Brownwood, TX, we haven't forgotten about you! Our Business Banking services include essential features like Merchant Services & Business Loans, ensuring that your business has the support it needs to grow and thrive.

Digital Banking Convenience

In today's fast-paced world, digital banking is crucial. With Online & Mobile Banking, you can manage your accounts right from your smartphone or computer. Our mobile app allows for transactions such as ATM withdrawals and balance checks at the touch of a button. We also offer person-to-person payment options for quick transfers between friends or family members.

Financial Support When You Need It

Sometimes, unexpected expenses arise. That's where our Personal Loans & Debt Consolidation services come in handy. We aim to provide flexible solutions that give you peace of mind during tough times. Additionally, if you want to earn rewards while spending, consider our Credit Cards with Rewards a great way to get more from your purchases.

Personal Banking Solutions

For those managing personal finances, our offerings include Checking & Savings Accounts that make it easy to keep track of your money and achieve your savings goals. We understand that life can be unpredictable, which is why we also offer Auto Loans & Vehicle Financing to help you get on the road with ease. If you're dreaming about home ownership or need to refinance, our Mortgage Loans & Refinancing options are tailored to fit your situation.

Digital & Online Banking

Manage Your Accounts Anytime

With our commitment to providing real-time account management, you can keep an eye on your finances wherever life takes you. From paying bills to checking transaction history, our tools simplify every aspect of banking so that you can focus more on what matters most. Experience the convenience and security of digital banking today with First Central your trusted partner for financial success!

Mobile Banking On-the-Go

For those who prefer banking from their mobile devices, our mobile application is a game-changer. Available for download now, it allows you to make mobile payments effortlessly and even send money to friends with our person-to-person transfer feature. Whether you're at home or out and about, you'll have everything you need right at your fingertips.

Stay Secure and Informed

Your security is our top priority. Our electronic signature authorization feature ensures that your transactions are safe and verified, giving you peace of mind every time you log in. Additionally, e-statements are available for those who prefer a paperless way to track their financial activity. You'll receive timely updates without the clutter of physical statements.

User-Friendly Online Banking

With our online banking platform, accessible at https://www.firstcentralcu.com/, you can take control of your finances with just a few clicks. Whether you want to check your balance, pay bills, or transfer funds, our user-friendly interface makes it easy. Plus, with 24/7 access, you can manage your accounts on your schedule day or night.

Financial Strength

Growing Trust

With net shares (funds available for lending and investments) at $599,928, along with a robust total of 38,700 share accounts, we showcase a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Central is your trusted partner. Visit us at 1602 Austin Ave Brownwood Tx 76801 or call (325) 641-2943 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $24,835,421 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $2,318 in used auto loans and $91,218,334 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $21,743,971 in share certificates and $9,139,335 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $13,751,362, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 56 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $26,118,117, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,548 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $38,541,973 in used vehicle loans and $6,688,689 in new vehicle loans already helping members get on the road. We offer financing for both new and used vehicles, ensuring that you can find the right fit for your budget and lifestyle.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,681,768 in loans helping members manage their finances effectively. With our credit cards, you can enjoy rewards while keeping track of your spending easily.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,213,318, make buying or refinancing simple. We aim to guide you through every step of the mortgage process so that you can focus on making your house a home.

Other Financing Options

In addition to auto and mortgage loans, we provide access to credit lines totaling $13,000,000, which can be an excellent resource for managing unexpected expenses or funding personal projects. If you're considering refinancing your current loans or checking eligibility for any of our loan products, feel free to reach out. We're here to assist you in finding the best solutions tailored to your financial situation. For more information or assistance with applications, call us at 325-641-2943 or visit our website at First Central. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with confidence!

Loan Aggregator

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First Central