First Community Credit Union Katy TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to First Community at our Cinco Ranch branch, where we've been proudly serving the Katy community since 1954. Our commitment to you goes beyond just banking; it's about building lasting relationships and fostering a sense of belonging among our 165,959 members. Located conveniently at 23120 Cinco Ranch Blvd, Katy, TX 77494, we're here to support your financial journey with personalized services tailored to meet your needs. With total assets exceeding $2.42 billion, we are well-equipped to provide a wide range of financial products. Whether you're looking for auto loans, personal loans, or business banking options, we have you covered. Currently, our loan portfolio includes 93,054 loans and leases, reflecting our dedication to helping you achieve your financial goals. Our branch is managed by CEO TJ Tijerina, under the guidance of Board President Martin Miracle. Together with our team of 419 employees, we strive to ensure that every member receives exceptional service. We understand that each person has unique needs, which is why we offer various services from checking and savings accounts to online and mobile banking options. While you can visit us at our physical location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 840129, Houston, TX 77284-0129. We invite you to explore everything First Community has to offer! For inquiries or assistance, feel free to call us at 281-856-5300. Your financial wellness is our priority let's work together towards a brighter future!

Branch History & Mission

Looking Ahead

As we look toward the future, First Community remains dedicated to embracing technological advancements while ensuring ADA compliance and customer-centric initiatives. We are actively involved in community outreach efforts and partnerships aimed at improving the quality of life for residents in Katy and beyond. Join us at First Community! Experience firsthand how we can help you navigate your financial journey while making a positive impact in our shared community. Visit our website at FCCU.org or call us at 281-856-5300 for more information on membership eligibility or to open an account today!

Our Mission

At First Community, our mission is clear: to enrich lives by providing accessible financial services while fostering community development. We understand that each member's financial journey is unique, which is why we prioritize personalized service in every interaction. Our goal is to help you achieve your financial aspirations while also giving back to the community we call home. We are committed to being there for you whenever you need us. With operating hours designed for your convenience Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM we ensure that you have access to the support you deserve. Our drive-thru service and ATM availability further enhance your banking experience.

Our Story

Located at 23120 Cinco Ranch Blvd, Katy, TX 77494, First Community has been a cornerstone of the local community for nearly seven decades. Since opening our doors, we've embraced the mission of providing personalized banking experiences tailored to meet the unique needs of our members. Over the years, we have expanded our services to include everything from checking and savings accounts to auto loans, mortgage financing, and business banking solutions. As a credit union built on the principles of member service and community support, we believe that strong financial health leads to stronger communities. We strive to make banking not just a transaction but a relationship based on trust and understanding. While members can visit us at 23120 Cinco Ranch Blvd, official correspondence should be sent to PO Box 840129, Houston, TX 77284-0129.

Branch Location & Accessibility

Operating Hours

At First Community, we understand that life can be busy! That's why we offer flexible operating hours to serve you better. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 3:00 PM. Please note that we are closed on Sundays. For those who prefer the convenience of drive-thru banking, our drive-thru is available Monday through Thursday from 7:30 AM to 7:00 PM and on Fridays until 7:00 PM as well.

Services Available

We're here to help with a range of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. If you're looking for business banking solutions or want to make use of online and mobile banking services, we've got options for you too! Our shared service center also allows members of partner credit unions to conduct basic transactions like deposits and withdrawals. While members can visit us at 23120 Cinco Ranch Blvd Katy Tx 77494, official correspondence should be sent to our mailing address at PO Box 840129, Houston, TX 77284-0129. For any questions or assistance, feel free to call us at (281) 856-5300. We can't wait to welcome you into our branch! Come visit us today at First Community - where your financial journey begins!

Member Eligibility

At First Community, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is simple and welcoming! If you're a resident of the areas we serve or affiliated with our partner organizations, you're likely eligible to join us. We invite individuals who share our values and commitment to community growth to experience the benefits we offer, from personalized service to competitive rates on loans and savings accounts. Ready to take the next step? Opening an account with us is straightforward, and our friendly team is here to help you every step of the way. You can find more details about eligibility by visiting https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility . If you have questions or need assistance, don't hesitate to reach out at (281) 856-5300. We look forward to having you as part of the First Community family at 23120 Cinco Ranch Blvd Katy Tx 77494!

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 $114 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $218,504,352, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools you need to accept payments easily and efficiently. Our merchant services allow you to focus on what you do best running your business. Whether it's point-of-sale systems or online payment processing, we help streamline transactions so you can serve your customers better. For more information on how we can partner with you to enhance your business banking experience, visit us at 23120 Cinco Ranch Blvd, Katy, TX 77494 or call us at 281-856-5300. Join us at First Community and let's build your business together!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face interactions or need quick transactions, our branch offers convenient drive-thru banking for deposits, withdrawals, and simple transactions. Plus, enjoy easy access to cash with our ATM services available right at our location.

Business Banking Services

For entrepreneurs and business owners, our business banking services provide essential support for growth. We offer merchant services and business loans tailored to help you expand your operations or manage day-to-day expenses seamlessly.

Credit Cards with Rewards

We also understand that credit can play an important role in your financial journey. That's why we offer credit cards with rewards designed to give back to you as you spend. Enjoy benefits that fit your lifestyle while managing expenses effectively.

Digital Banking Convenience

In today's fast-paced world, having access to banking services at your fingertips is crucial. Our robust online and mobile banking options allow you to manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, staying on top of your finances has never been easier.

Home Financing Options

Buying a home is one of the biggest decisions you'll make, and at First Community, we simplify the process with our mortgage loans and refinancing options. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team will guide you through competitive rates and terms that fit your budget.

Personal Banking Solutions

Our personal banking services are designed with your everyday needs in mind. From checking and savings accounts that help you manage your finances effectively, to personal loans and options for debt consolidation, we offer tailored solutions to suit various situations. If you're in the market for a vehicle, our auto loans and vehicle financing can get you behind the wheel without hassle.

Shared Branch Transactions

As part of our commitment to community service, we also provide basic shared branch transactions for partner credit union members. This means you can deposit or withdraw funds even if you're visiting from another credit union. At First Community in Katy, TX, we're dedicated to making financial management straightforward and accessible for everyone. For more information about any of these services or how we can assist you further, please don't hesitate to reach out at 281-856-5300 or visit us online at FCCU.org. We look forward to welcoming you!

Digital & Online Banking

Key Features

Our 24/7 online banking services make it simple for you to keep track of your finances. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. And if you prefer using your smartphone, our mobile application brings all these features right into the palm of your hand. Plus, with our mobile payments feature, making purchases has never been easier. Security is a top priority for us. You can rest assured knowing that our electronic signature authorization allows you to complete transactions safely and securely from home or on the go. Additionally, e-statements are available for those who want to reduce paper clutter while still keeping an eye on their account activity.

Real-Time Management

Need to send money to a friend? Our person-to-person transfers are quick and hassle-free, allowing you to send funds in real time without any extra fees. All these features come together to give you complete control over your finances whenever you need it. With user-friendly navigation and robust security measures, managing your money has never been this easy or secure. Join us at First Community today and experience the future of banking with our comprehensive digital solutions!

Financial Strength

Member Savings and Growth

Members' savings are secured through $545,851,702 in share certificates and $536,485,478 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

Total Share Accounts stand at 329,662, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $4,248,111, further enhancing our ability to support you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Community is your trusted partner. Visit us at 23120 Cinco Ranch Blvd Katy Tx 77494 or call (281) 856-5300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our $9,343,123 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 355 full-time employees and 64 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $217,335,266, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $896 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinventing for the Future

With $202,776,282 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 across various sectors with $19,116 in used auto loans and $1,844,593,728 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $452,194,805 in used vehicle loans and $293,906,658 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we provide flexible financing options tailored to your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $218,504,352 provide the capital needed to grow and expand. We understand that having access to the right funding can be crucial for your business success.

Credit Lines

In addition to these offerings, we also provide credit lines totaling $843,222,921, giving you additional financial flexibility whenever necessary. We invite you to explore refinancing options if you're looking to lower your monthly payments or obtain better rates on existing loans. Our team is ready to assist you in evaluating eligibility and finding solutions that best fit your situation. For more information or questions about any of our loan products, don't hesitate to reach out at (281) 856-5300. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards achieving your financial aspirations starts here at First Community!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,452,304, make buying or refinancing simple. We know that securing a mortgage can be daunting, which is why we're dedicated to guiding you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $81,975,596 in loans helping members manage their finances effectively. These credit cards come with competitive rates and no collateral requirement, making it easier for you to access funds when you need them.

Loan Aggregator

Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. By using verified data from legitimate financial institutions, LendMesh provides peace of mind to those seeking loans.

Key Benefits

LendMesh offers several key benefits designed to build trust with its users: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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 kind of feedback reflects the value that many have found in using this service. 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 COMMUNITY CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Looking Ahead

Our Mission

Our Story

Branch Location & Accessibility

Operating Hours

Services Available

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

ATM & Drive-Thru Services

Business Banking Services

Credit Cards with Rewards

Digital Banking Convenience

Home Financing Options

Personal Banking Solutions

Shared Branch Transactions

Digital & Online Banking

Key Features

Real-Time Management

Financial Strength

Member Savings and Growth

Member Trust

Operational Efficiency

Our Financial Health

Reinventing for the Future

Loan Offering

Auto Loans

Business Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Accurate Comparisons

Key Benefits

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