First Central Credit Union Hillsboro TX | Best Auto Loans & Business Banking

Introduction

Welcome to First Central at our Hillsboro Branch, located at 305 Coke Ave, Hillsboro, TX 76645. Since our establishment in 1937, we have been dedicated to providing exceptional financial services to our community. With a total membership of over 19,844 individuals and total assets reaching an impressive $168,681,567, we take pride in being a trusted partner for your banking needs. At First Central, we believe in the power of community. Our committed team of 72 employees, led by CEO JoBetsy Tyler and Board President Lori Alambar, is here to support you every step of the way. Whether you're looking for personal loans, auto financing, or business banking services, we are focused on helping you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to 305 Coke ST, Hillsboro, TX 76645. We encourage you to take advantage of our comprehensive offerings including online and mobile banking, ATM services, and convenient drive-thru access. Our dedication extends beyond just numbers; with a net worth of $26,118,117 and total deposits amounting to $12,723,279, we ensure that your financial journey is secure and rewarding. Join us at First Central where your success is our mission! For more information or assistance, feel free to call us at (254) 582-2489 or visit our website at www.firstcentralcu.com. We look forward to serving you!

Branch History & Mission

At First Central, our journey began in 1937, rooted in the heart of Hillsboro, TX. Over the decades, we have grown from a small financial institution into a vital part of our community, now serving nearly 20,000 members. Our branch is located at 305 Coke Ave, conveniently positioned near local landmarks that make us easily accessible to everyone. Our mission is straightforward yet profound: to empower our members with the financial tools and support they need to achieve their dreams while fostering a sense of community. We believe in putting people before profits, ensuring that every service we offer be it checking and savings accounts, auto loans, or mortgage options is designed with our members' best interests in mind. From our humble beginnings to reaching total assets of $168,681,567 today, First Central has consistently prioritized member satisfaction and community engagement. Our headquarters in Waco continues to guide our vision while we proudly operate right here in Hillsboro. The dedication of our team ensures that every member receives personalized service and attention. As technology evolves, so do we. First Central is committed to providing modern banking solutions such as online and mobile banking for convenience without sacrificing personal touch. Our branch also offers ADA-compliant services and initiatives aimed at making banking accessible for everyone. We actively seek partnerships within the community to enhance our outreach efforts. Whether through local events or educational programs about financial literacy, we strive to make a positive impact beyond just banking. While members can visit us at 305 Coke Ave for all their banking needs including drive-thru services during weekdays from 9 AM to 5:30 PM official correspondence should be sent to our mailing address at 305 Coke ST if different. We invite you to join First Central and experience the benefits of being part of a credit union that truly cares. Your financial success is our priority, and together we can build a stronger community for all. For more information or to become a member today, call us at 254-582-2489 or visit us online at First Central's website.

Branch Location & Accessibility

Get in Touch

Have questions or ready to become a member? Don't hesitate to reach out! You can give us a call at (254) 582-2489. We look forward to welcoming you into the First Central family!

Nearby Landmarks and Accessibility

You can find us near popular local spots like the Hill County Courthouse and just a short drive from Lake Whitney State Park. We've made sure our location is easily accessible for all our members. Our branch features ADA-compliant entrances and parking spaces, so everyone can visit us comfortably. If you prefer to handle your banking on the go, we also offer ATM services right at our location for quick cash withdrawals and balance inquiries.

Operating Hours

We understand that life gets busy! That's why we're here to serve you Monday through Friday from 9 AM to 5:30 PM. For those who prefer drive-thru banking, you can take advantage of our drive-thru service during these hours for deposits, withdrawals, and other simple transactions.

Services Offered

At First Central, we pride ourselves on offering a wide range of services tailored to meet your needs. From personal banking accounts like checking and savings to auto loans and mortgage refinancing, we've got you covered. We also offer business banking solutions, including merchant services and business loans. Plus, our online and mobile banking options make managing your finances easier than ever. While members can visit us at 305 Coke Ave, official correspondence should be sent to 305 Coke ST, Hillsboro, TX 76645 if needed.

Member Eligibility

Becoming a member of First Central is like stepping into a welcoming community where your financial well-being is our priority. Anyone who lives, works, worships, or attends school in Hill County can join us, making it easy for many to experience the benefits we offer. Whether you're looking to save for the future, buy a car, or simply manage your everyday expenses more effectively, our range of services is designed with you in mind. Plus, as a member, you'll enjoy competitive rates and personalized service that big banks often overlook. If you want to dive deeper into the specific eligibility details, feel free to check out this link: Eligibility Details. Ready to get started? Opening an account with us is straightforward and friendly just give us a call at (254) 582-2489 or visit us at 305 Coke Ave Hillsboro Tx 76645. We can't wait to welcome you to our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to process payments seamlessly while also having access to the tools that can streamline your operations. Our merchant services offer just that. Whether you're a local retailer or a service provider, our solutions make it easy for you to accept payments and manage transactions efficiently. Visit us at 305 Coke Ave Hillsboro Tx 76645 in Hillsboro, TX, or call us at (254) 582-2489 to learn how we can support your business journey today!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services for Your Needs

In addition to these primary offerings, we provide essential ATM and cash withdrawal services for quick access to funds when you need them most. Our basic drive-thru banking allows for simple transactions like deposits and withdrawals without stepping inside the branch perfect for those busy days! As part of our commitment to serving our community, we also offer shared branch transactions for members from partner credit unions, making it easy to access funds even while traveling. We invite you to explore all that First Central has to offer at Hillsboro Branch. For more information about our services or how we can assist you further, feel free to give us a call at (254) 582-2489 or visit us in person! Your financial journey starts here let's take the next steps together!

Business Banking Solutions

At First Central, we also understand the needs of local businesses. Our Business Banking services include merchant services and business loans aimed at helping entrepreneurs thrive. Whether you're starting out or looking to expand, we have the tools you need.

Convenient Digital Banking Features

We know that convenience is key in today's world. That's why our Online & Mobile Banking platforms allow you to manage your accounts from the comfort of your home or on-the-go. With features like person-to-person payments and e-statements, banking has never been easier.

Credit Cards That Reward You

With our Credit Cards with Rewards, every purchase can earn you points toward exciting rewards. Whether it's cashback or travel points, you'll find that using your card becomes more rewarding than ever.

Home Financing Options

For those looking to buy or refinance their home, our Mortgage Loans & Refinancing services are designed with you in mind. We know that homeownership is a significant milestone, and our knowledgeable staff will guide you through every step from application to closing.

Personal Banking Solutions

Managing your money should be easy and accessible. That's why we offer a variety of Personal Banking options, including checking and savings accounts designed to help you keep track of your finances effortlessly. Imagine having a checking account that fits your lifestyle whether it's for daily spending or building up savings for that special vacation. Our accounts come with features like online banking and mobile payments, allowing you to monitor your balance and make transactions anytime, anywhere. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing can simplify the process. With competitive rates and flexible terms, you'll drive off in your new car without breaking the bank.

Personal Loans Made Easy

Need a little extra cash? Our Personal Loans & Debt Consolidation options can assist with unexpected expenses or help streamline existing debts into one manageable payment. Think of it as a way to regain control over your finances without feeling overwhelmed.

Digital & Online Banking

Convenient Online Access

With our online banking services, available 24/7 at https://www.firstcentralcu.com/, you can easily check your account balances, view transactions, and transfer funds whenever it suits you. Whether you're at home or on the go, accessing your accounts has never been easier.

Easy Transactions with Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service makes it simple. Just enter their details, and you'll be able to send funds instantly without any hassle.

Mobile App for On-the-Go Banking

Stay connected with our mobile application, which provides all the features of online banking right on your smartphone. You can make payments, deposit checks, and manage your finances with just a few taps. Plus, our mobile payments feature allows you to pay for purchases directly from your phone making shopping quick and convenient.

Security You Can Trust

Your security is our priority. We offer electronic signature authorization for important documents, so you can sign without needing to visit a branch. Additionally, we provide e-statements for easy access to your financial information while reducing paper clutter. At First Central, we strive to make banking accessible and user-friendly. With our digital services at your disposal, you can manage your finances in real-time while enjoying peace of mind knowing your information is safe. Dive into the future of banking today!

Financial Strength

At First Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our financial strength reflects our commitment to providing you with reliable services and support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1548 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. With $24,835,421 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $23,184,073 in used auto loans and $91,218,334 in total loans and leases. Our current operational efficiency is reflected in our net income of $0, which positions 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 team dedicated to your needs. Net Shares (Funds available for lending and investments): $599,928. Total Share Accounts: 38,700, showing 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 305 Coke Ave Hillsboro TX 76645 or call 254-582-2489 to learn more about how we can help you achieve your financial goals.

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 flexible terms and competitive rates for both new and used vehicles to fit your budget.

Credit Lines

If you need extra flexibility in managing expenses or unexpected costs, our credit lines totaling $13,000,000 can be an excellent option. They allow you to access funds as needed without the hassle of reapplying for a loan each time. For those interested in refinancing options or checking eligibility for any of our products, we encourage you to reach out. Our team is here to help you navigate the choices available and find what best suits your financial situation. At First Central, we're committed to providing personalized service and expert advice every step of the way. For more information or to discuss which loan product is right for you, feel free to contact us at (254) 582-2489 or visit us at 305 Coke Ave Hillsboro Tx 76645. 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 take that important step toward securing your financial future!

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 guide you through the process and offer various plans to ensure you find a solution that fits your lifestyle.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $2,681,768 in loans helping members manage their finances effectively. These cards come with rewards and benefits that can enhance your purchasing power while keeping your spending in check.

Loan Aggregator

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Ensuring Accurate Comparisons

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First Central