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

Introduction

Welcome to First Central, your trusted financial partner located at 6201 Sanger Ave, Waco, TX 76710. Since opening our doors in 1937, we have proudly served over 19,844 members with a commitment to enhancing their financial well-being. Our team, led by CEO JoBetsy Tyler and Board President Lori Alambar, is dedicated to providing personalized service that meets the diverse needs of our community. At First Central, we understand that banking is about more than just numbers; it's about building relationships. With total assets of $168,681,567 and total deposits reaching $12,723,279, we are well-equipped to offer a range of financial products including personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our branch operates with a strong foundation; our net worth stands at an impressive $26,118,117, ensuring stability for our members. We also have $7,675,430 cash in hand, which allows us to provide prompt services like loans currently totaling 9,081 across various categories. While members can visit us at our physical location in Waco for face-to-face interactions or utilize our convenient drive-thru service from 7:30 AM to 6 PM on weekdays and 9 AM to 1 PM on Saturdays, official correspondence should be directed to our mailing address at PO Box 21809, Waco, TX 76702. At First Central Credit Union, we're not just about transactions; we strive to make a positive impact on the lives of our members and the greater community. Our team is here to support you every step of the way whether you're looking for guidance on your first loan or seeking advice on saving for the future. We invite you to reach out at 254-776-9333 or explore more about us online at firstcentralcu.com. Join us in shaping a brighter financial future together!

Branch History & Mission

Community Engagement

We take pride in being more than just a credit union; we are actively involved in community outreach and partnerships that uplift those around us. Through various programs and events, we aim to make a lasting difference in the lives of our members and neighbors. Our drive-thru service and ATM availability ensure that accessing your funds is convenient anytime you need them. With operating hours from 7:30 AM to 6 PM Monday through Friday and 9 AM to 1 PM on Saturdays, we're here when you need us most.

Join Us!

With a dedicated team of 72 employees focused on delivering excellent service, First Central invites you to experience the benefits of membership firsthand. Join us today and discover how we can help you achieve your financial goals while making a positive impact in your community. For more information about becoming a member or utilizing our services, feel free to reach out at (254) 776-9333 or visit us online at First Central. Together, let's build a brighter future!

Our Mission

At First Central, our mission is simple yet powerful: we strive to empower our members with personalized banking solutions that meet their unique needs. We believe in supporting not only the financial well-being of individuals but also the growth of our local community. Whether it's offering competitive auto loans or helping families secure their first homes through mortgage financing, every service we provide is aimed at making a positive impact. As we continue to adapt and innovate in today's fast-paced world, we ensure that our services are always user-friendly and accessible. Our commitment includes maintaining ADA compliance and embracing digital advancements like mobile banking and online services. These initiatives make banking easier for everyone.

Branch Location & Accessibility

Accessibility and Parking

At First Central, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces for individuals with disabilities. Whether you prefer to walk in or use our drive-thru service, we've made sure that your experience is comfortable and convenient.

Call to Action

Ready to take control of your finances? We invite you to visit us at the Sanger Office today or give us a call at 254-776-9333. Our friendly staff is eager to assist you with all your banking needs!

Operating Hours

Our doors are open during flexible hours to accommodate your busy schedule. Visit us Monday through Friday from 7:30 AM to 6 PM, and on Saturdays from 9 AM to 1 PM. These hours allow you to handle your banking tasks without feeling rushed.

Services Offered

We're proud to offer a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something for everyone! Plus, if you're in a hurry, our drive-thru banking allows for quick deposits and withdrawals without leaving your car. Additionally, First Central is part of a shared service network. This means that members can perform basic transactions at partner credit unions as well. And don't forget about our ATM availability it's here for those moments when you need cash on the go!

Member Eligibility

Becoming a member of First Central is like joining a welcoming family where your financial needs are prioritized. To qualify for membership, you simply need to live, work, worship, or attend school in McLennan County, Texas, or have an immediate family member who is already a member. This means that if you're part of our community in any of these ways, we'd love for you to join us! As a member at First Central, you'll enjoy personalized service and a range of products designed just for you like competitive loan rates and savings accounts that can help you reach your financial goals. To get started on your journey with us, feel free to reach out at (254) 776-9333 or check out the detailed eligibility criteria at http://www.firstcentralcu.com/about-us/become-a-member.html. We're here to guide you through the easy application process so you can take full advantage of all the benefits we offer. Welcome aboard!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

Imagine running a bustling café that needs a reliable way to process payments. Our merchant services offer easy solutions so you can focus on serving customers rather than worrying about transactions. From credit card processing to online payment systems, we provide tools that help streamline your operations and boost sales. If you're ready to take your business further, visit us at 6201 Sanger Ave Waco Tx 76710 in Waco, TX or call us at (254) 776-9333. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM Access & Drive-Thru Services

Need cash? Our ATMs are readily available for quick withdrawals and balance checks whenever you need them. Plus, take advantage of our drive-thru banking for easy deposits and withdrawals without leaving your car.

Business Banking Services

Entrepreneurs will appreciate our business banking solutions, which include merchant services and business loans designed to help you grow your enterprise. At First Central, we understand that businesses come in all shapes and sizes, so we tailor our services to meet the unique needs of each member.

Credit Options

Our credit card offerings come with rewards that give back to you every time you spend. With each purchase, you can earn points towards exciting rewards that enhance your lifestyle.

Digital Banking Convenience

In today's fast-paced world, managing finances on-the-go is crucial. That's why we offer robust online and mobile banking services. Check balances, transfer funds, and pay bills from the comfort of your home or while out and about it's banking made simple!

Personal Banking Solutions

When it comes to personal banking, First Central offers an array of options designed for your convenience and financial growth. Open a checking or savings account with us and enjoy features that make managing your money easier. Whether you are saving for a dream vacation or simply want to keep track of your daily expenses, our accounts cater to all lifestyles. If you're in the market for a vehicle, look no further than our auto loans and vehicle financing solutions. We understand that purchasing a car is a significant investment, and our competitive rates can help put you behind the wheel without straining your budget. For those who want to own their home, our mortgage loans and refinancing options offer flexible terms that can be tailored to fit your financial situation. Plus, if you're facing unexpected expenses or consolidating debt, our personal loans and debt consolidation services are here to provide the support you need.

Shared Branch Transactions

If you're traveling or away from home, don't worry! With basic shared branch transactions available for members of partner credit unions, accessing your funds is easier than ever.

Your Financial Partner

At First Central, we strive to make every interaction smooth and welcoming. Whether you have questions about opening an account or need assistance with a loan application, don't hesitate to reach out! You can contact us at (254) 776-9333 during business hours: Monday through Friday from 7:30 AM - 6 PM, and Saturday from 9 AM - 1 PM. Ready to start your financial journey? Visit us at 6201 Sanger Ave Waco Tx 76710 today or check out more about our services online at Sanger Office. Let us help you achieve your financial goals!

Digital & Online Banking

Accessibility and Convenience

For those who love using their smartphones, our mobile application is here for you. It offers all the features of online banking in a user-friendly interface that fits right in your pocket. You can even make person-to-person transfers with ease perfect for splitting bills or sending money to friends. Our 24/7 online banking services ensure that no matter what time it is, you have full control over your finances. With real-time account management and easy navigation, managing your finances has never felt so secure and convenient. At First Central, we are committed to providing accessible banking solutions tailored to meet your needs. Join us today and experience the convenience of modern banking!

Key Services

With our online banking platform, accessible through https://www.firstcentralcu.com/, you can check your account balance, pay bills, and transfer funds anytime you need. Plus, our electronic signature authorization makes signing documents simple and secure no more printing and scanning! You can also take advantage of e-statements, giving you quick access to your financial statements without the clutter of paper. If you prefer mobile payments, you'll be glad to know that we support this feature, allowing you to make purchases with just a tap from your smartphone.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $0, enabling 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. With net shares available for lending and investments totaling $599,928, we show that we are prepared to help you achieve your financial dreams. The trust placed in us is further illustrated by our total share accounts reaching 38,700, indicating a strong and growing member base that relies on us for their financial needs.

Investing Back into Our Members

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 is robust with $2,318 in used auto loans and $91,218,334 in total loans and leases, supporting your financial goals across various sectors.

Secure Savings Options

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.

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.

Your Partner in Financial Growth

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 6201 Sanger Ave Waco Tx 76710 or call (254) 776-9333 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. Whether you're purchasing a new or used vehicle, our financing options ensure that you can find a plan that fits your budget.

Business Financing

For business owners, while we currently do not have outstanding commercial loans available, we recognize the importance of having access to capital when needed. As our offerings evolve, we aim to support local businesses through tailored lending solutions. In addition to our loan products, First Central provides resources to help you understand eligibility requirements and refinancing options. If you're interested in learning more about how we can assist you financially, feel free to reach out at (254) 776-9333 or visit us at 6201 Sanger Ave Waco Tx 76710. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At First Central, we're here to guide you through every step of your financial journey.

Credit Cards and Personal Loans

Managing everyday expenses can be challenging. 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. Our personal loans are designed for various needs be it debt consolidation or unexpected expenses making it easier for you to stay on top of your finances.

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 also offer various refinancing options to help you lower your monthly payments or access equity in your home.

Loan Aggregator

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First Central