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

Introduction

Welcome to First Central, your trusted credit union located at 9101 Chapel Rd, Waco, TX 76712. Since our establishment in 1937, we have been dedicated to serving our community with integrity and care. With a strong membership of 19,844 individuals and total assets reaching an impressive $168,681,567, we pride ourselves on being a reliable financial partner for all your banking needs. At First Central, we offer a variety of services tailored to meet your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts, or you need assistance with auto loans and mortgages, we've got you covered. Our total deposits stand at $12,723,279, reflecting the trust our members place in us. Led by our CEO, JoBetsy Tyler, and Board President Lori Alambar, our team of 72 employees is committed to ensuring that every member receives personalized service. We believe in giving back to the community and are proud of our role in helping members achieve their dreams. While members can visit us at 9101 Chapel Rd, official correspondence should be sent to the same address. For any inquiries or assistance, feel free to reach out at (254) 776-9333 or explore more about our offerings on our website here. Join us today and experience the difference that comes with being part of First Central!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join the First Central family. Experience the benefits of being part of a credit union that values its members above all else. Whether you're looking for personal banking solutions or business services tailored to your needs, we're here for you every step of the way. To learn more about membership eligibility or explore our offerings further, visit our website. Together, let's make great things happen!

Modern Services

In addition to traditional banking services, First Central embraces modern advancements for your convenience. With options like online banking and mobile payments available, managing your finances has never been easier. We also ensure accessibility through ADA-compliant facilities and offer both drive-thru banking and shared service centers for added flexibility. Our operating hours are designed with your schedule in mind; we're open from 7:30 AM to 6 PM Monday through Friday. And yes, we have ATMs available for quick access to your funds whenever you need them.

Our Journey

Over the years, First Central has evolved significantly. We started as a small institution focused on helping families and individuals achieve their financial goals. Today, with total assets amounting to $168,681,567, we provide a wide range of services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. This growth reflects not just our commitment to our members but also our adaptability in an ever-changing financial landscape. While members can visit us at 9101 Chapel Rd Waco Tx 76712, official correspondence should be sent to 9101 Chapel Rd, Waco, TX 76712. We encourage you to come by and experience firsthand how we prioritize your financial well-being.

Our Mission

At First Central, our mission is simple yet powerful: to empower our members through exceptional financial services while actively supporting the community. We believe that everyone deserves access to quality financial tools that enhance their lives. By offering competitive rates and personalized service, we aim to make banking a positive experience for all. We take pride in our commitment to community outreach as well. Our partnerships with local organizations allow us to give back and support initiatives that uplift those around us. We are more than just a credit union; we are your neighbors and allies in building a better future.

Branch Location & Accessibility

Location Highlights

Whether you're heading to a nearby park or just passing through McLennan County, our branch is a great place to take care of your finances. We offer ample parking right outside the building, making it easy for you to pop in without any hassle. Plus, our branch is fully ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

At First Central, we know your time is valuable. That's why we're open Monday through Friday from 7:30 AM to 6:00 PM. Our drive-thru service allows you to handle quick transactions on the go without ever leaving your car. Need assistance? Don't hesitate to call us at 254-776-9333 our team is always ready to help!

Services Offered

From personal checking and savings accounts to auto loans and mortgages, we provide a variety of financial services tailored to meet your needs. Our ATM is available for quick cash withdrawals and balance checks whenever you need them. Additionally, we participate in shared branch transactions, so if you're a member of one of our partner credit unions, you can easily make deposits and withdrawals here too! While members can visit us at 9101 Chapel Rd for all their banking needs, official correspondence should be sent to the same address since it's also our mailing address.

Visit Us Today!

We invite you to visit First Central's Chapel Office today! With convenient services and a friendly staff ready to assist you, we look forward to becoming your trusted partner in financial success. Whether it's a simple transaction or a more complex financial inquiry, we're here for you!

Member Eligibility

Becoming a member of First Central is like joining a warm, supportive family where your financial well-being is our priority. We welcome anyone who lives, works, worships, or attends school in our community to join us. If you're looking for personalized service and a variety of financial products designed with you in mind, you're in the right place! To get started, simply visit our website at http://www.firstcentralcu.com/about-us/become-a-member.html for detailed eligibility criteria and to ensure that you meet the requirements. Once you're ready, opening an account is easy and convenient; just give us a call at (254) 776-9333, or stop by our branch located at 9101 Chapel Rd Waco Tx 76712. We can't wait to help you achieve your financial goals as part of the First Central family!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine your customers making payments seamlessly while you focus on what you do best running your business. Our merchant services simplify transactions, allowing you to accept various payment types easily. This not only enhances customer satisfaction but also helps streamline your operations. Located at 9101 Chapel Rd Waco Tx 76712, Waco, TX 76712, our team is ready to assist you with tailored solutions that fit your unique needs. Contact us today at (254) 776-9333 to explore how we can support your business journey!

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

Need quick access to cash? Utilize our ATM services for withdrawals or balance checks without any hassle. Our drive-thru banking allows you to conduct simple transactions like deposits and withdrawals quickly from the comfort of your car. Additionally, we provide basic shared branch transactions for partner credit union members, ensuring you have access even when traveling. At First Central, located at 9101 Chapel Rd Waco Tx 76712, we strive to meet all your financial needs with a friendly touch. If you're ready to explore how we can help you achieve your financial goals, don't hesitate to reach out! Call us today at (254) 776-9333 or visit our website at Chapel Office for more information on becoming a member.

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. These tools can help streamline your operations and support your growth ambitions.

Digital Banking Features

In today's fast-paced world, we know how important it is to have control over your finances at your fingertips. That's why we offer robust online and mobile banking platforms, enabling you to manage your accounts anytime, anywhere. With features like mobile payments, e-statements, and person-to-person transfers, accessing your money has never been easier.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are here to assist you every step of the way. We want to make homeownership a reality for our members, ensuring that you find a plan that aligns with your budget and goals.

Loans and Credit

If you're facing unexpected expenses or planning a big purchase, our personal loans and debt consolidation services can provide the financial relief you need. Plus, our credit cards come with rewards that can benefit you every time you shop. Enjoy the flexibility and convenience of using credit while earning perks along the way.

Personal Banking

For those looking to manage their everyday expenses, our personal banking options include both checking and savings accounts designed to fit your lifestyle. Imagine having a safe place for your funds while also earning interest on your savings. We also offer auto loans and vehicle financing to help you drive off in the car of your dreams, with competitive rates that make monthly payments manageable.

Digital & Online Banking

Key Features

Our online banking platform at https://www.firstcentralcu.com/ makes it easy to check your account balances, transfer funds, and pay bills with just a few clicks. You'll appreciate the user-friendly interface that simplifies managing your finances. Plus, with electronic signature authorization, signing important documents is quick and secure no more waiting for paperwork to arrive in the mail! For those who prefer going paperless, we provide e-statements that give you a clear view of your transactions without cluttering your mailbox. This feature not only saves trees but also helps you keep track of your finances effortlessly.

On-the-Go Access

Staying connected is easier than ever with our mobile application. Whether you want to check your balance or make person-to-person transfers, our app has got you covered. Mobile payments are also supported, allowing you to pay at stores or send money to friends quickly and securely. All these features work together to ensure that managing your money feels simple and straightforward. You can enjoy peace of mind knowing that each transaction is protected by top-notch security measures. In summary, First Central combines convenience with robust security in its digital and online banking services. Experience effortless financial management today by visiting https://www.firstcentralcu.com/ or downloading our mobile app!

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. We are proud to share our strong financial health, which you can trust as the foundation of your banking experience. 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 15.48% 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $2,318 in used auto loans and $91,218,334 in total loans and leases. Our $637,471 reflects our operational efficiency, 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. Net Shares (Funds available for lending and investments): $599,928. Total Share and Deposit 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 9101 Chapel Rd Waco Tx 76712 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 interested in financing a new or used vehicle, our flexible terms can meet your needs.

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. Our credit cards come with rewards that fit your lifestyle while providing a reliable option for everyday purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,213,318, making buying or refinancing simple. We're here to guide you through the process and ensure you understand your options every step of the way.

Refinancing Options

If you're considering refinancing existing loans whether it's an auto loan or mortgage we're here to discuss eligibility options that can save you money over time. It's always worth exploring how refinancing might work in your favor. For business owners looking for financing solutions, while we currently do not have outstanding commercial loans available, we are committed to supporting your business growth when opportunities arise. Our team at First Central is dedicated to ensuring you have access to the right financial products that align with your goals. If you have any questions or want more information about our loan offerings, don't hesitate to call us at 254-776-9333. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit our website at First Central for more details on how we can assist you today!

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). The platform only features legitimate financial institutions, which fosters trust and accountability.

Benefits of Using LendMesh

- Verified Data: Every loan offer listed on LendMesh comes from accredited financial institutions. This verification process ensures that users can trust the information presented. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is straightforward: to provide unbiased results that help users find the best loan options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates pulled from multiple institutions. This feature allows individuals to stay informed about their options and make choices that align with their financial goals. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping people secure better financing deals. Ready to take control of your loan search? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRST CENTRAL CREDIT UNION - Waco, TX

Compare Loan Rates Near You

Loan rates in Waco, TX (76712)