First Community Credit Union Houston TX | Cheap Mortgage Refinance & Auto Loans

Introduction

Welcome to First Community, where your financial well-being is our top priority! Located at 15260 Fm 529 Rd, Houston, TX 77095, our credit union has been serving the community since 1954. With a strong commitment to our members, we have grown to support over 165,959 individuals and families with a total of $2,421,246,359 in assets. At First Community, we believe in fostering trust and reliability in all our services. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we are here to help you navigate your financial journey. Our dedicated team of 419 employees, led by our CEO TJ Tijerina and Board President Martin Miracle, works diligently to ensure that each member receives personalized support tailored to their unique needs. While you can visit us at our branch for direct assistance, please note that official correspondence should be sent to our mailing address: PO Box 840129, Houston, TX 77284-0129. With robust financial offerings including a loan portfolio of 93,054 loans and total deposits amounting to $32,370,341, we are well-equipped to provide the resources you need. Our solid net worth of $217,335,266 reflects our stability and dedication to serving our members effectively. Explore how we can enhance your financial experience by visiting us online at FCCU.org or give us a call at 281-856-5300. Join us today and discover the benefits of being part of the First Community family!

Branch History & Mission

Welcome to First Community, a credit union that has been a cornerstone of financial support in Houston, TX since it opened its doors in 1954. Over the decades, we have grown significantly, evolving to meet the needs of our members and the community. Today, with a total membership of 165,959, we proudly serve as a trusted partner for individuals and families seeking financial guidance and assistance. Our branch is located at 15260 Fm 529 Rd, Houston, TX 77095, making it easily accessible for all members. If you need to send official correspondence, please use our mailing address: PO Box 840129, Houston, TX 77284-0129. The convenience of our location is complemented by our drive-thru service and ATM availability, ensuring that your banking needs are met promptly and efficiently. At First Community, our mission is straightforward yet impactful: to provide exceptional financial services while fostering a strong sense of community. We believe in empowering our members through personal banking solutions such as checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our commitment extends beyond financial products; we actively engage in community outreach efforts that help uplift those around us. Through digital advancements like online banking and mobile applications, we ensure that our services are not only accessible but also user-friendly. We are dedicated to maintaining ADA compliance to guarantee that everyone can benefit from what we offer. As part of our mission, we also recognize the importance of partnerships within the community. By working together with local organizations and initiatives, we strive to make a lasting impact on the lives of our members and their families. Join us at First Community to experience the difference that comes from being part of a member-focused credit union. Together, we can build a brighter financial future for you and your loved ones. For more information or to become a member today, call us at 281-856-5300 or visit us online at FCCU.org.

Branch Location & Accessibility

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! Call us at (281) 856-5300 or stop by during our operating hours. We look forward to welcoming you at First Community and helping you achieve your financial goals. Visit us today!

Operating Hours

We understand that life can get busy! That's why we offer flexible hours to suit your schedule. Our lobby is open from 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Fridays, and 9 AM to 3 PM on Saturdays. Whether you're dropping by during the week or on the weekend, we're here for you.

Services Offered

At First Community, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you with whatever you need. We also have an ATM available for quick cash withdrawals, and if you prefer drive-thru banking, we've got that too! You can handle deposits, withdrawals, and simple transactions without leaving your car. Additionally, our shared service center allows members from partner credit unions to access basic transactions seamlessly.

Member Eligibility

At First Community, we believe that becoming a member is like joining a close-knit family dedicated to your financial well-being. If you're wondering how to become part of our community, it's simple! Membership is open to anyone who lives, works, worships, or attends school in the Houston area, as well as their family members. This means that whether you're just starting out on your financial journey or looking for a better banking experience, we're here for you. Plus, being a member at First Community comes with plenty of perks, including competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products tailored just for you. To kick off your membership journey, all you need to do is visit us at our branch located at 15260 Fm 529 Rd Houston Tx 77095 or give us a call at (281) 856-5300. We've made the account opening process straightforward and welcoming just check out our detailed eligibility criteria and steps for opening an account at https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility. We can't wait to welcome you into the First Community family!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From credit card processing to online payment solutions, we provide the tools necessary for smooth operations. Located at 15260 Fm 529 Rd Houston Tx 77095 in Houston, TX, we're here to partner with you every step of the way. Reach out at (281) 856-5300 or visit us online at https://fccu.org/ to discover how we can help your business thrive!

Tailored Loan Options

Imagine securing the funds you need to launch a new product line or open another location. 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.

Comprehensive List Of Services

Accessibility and Convenience

Accessibility is key at First Community. Our drive-thru service allows you to handle simple transactions like deposits and withdrawals without leaving your car. Plus, our shared branch transactions mean you can access services even when you're away from home. With ATMs available for quick cash withdrawals and balance checks, managing your finances has never been easier. In today's fast-paced world, convenience is crucial. That's why we offer online banking features such as mobile payments and person-to-person transfers so you can send money easily between friends or family. If you're ready to experience all these services firsthand or if you have any questions about how we can assist you further, don't hesitate to reach out! Call us at (281) 856-5300 or visit us at 15260 Fm 529 Rd Houston Tx 77095 in Houston, TX. We look forward to helping you achieve your financial goals!

Business Banking

For entrepreneurs and business owners, First Community provides essential services such as merchant services and business loans. We understand that running a business can be challenging, so we're here to support your growth with financial products that suit your unique needs.

Credit Cards

We also offer credit cards with rewards that allow you to earn while you spend. Whether you're planning a trip or just want to enjoy some everyday perks, our credit card options come with benefits designed for our members.

Loans and Financing

When it comes to financing options, we have something for everyone. Need a new vehicle? Our auto loans and vehicle financing are tailored to fit your budget. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans offer competitive rates to make home ownership attainable. For personal needs like debt consolidation or unexpected expenses, our personal loans can provide the support you need without breaking the bank.

Personal Banking

For those seeking personal banking solutions, we offer various options, including checking and savings accounts designed to help you manage your money effectively. With features like online and mobile banking, accessing your account is easy and convenient. Imagine being able to check your balance or transfer funds from anywhere, anytime our digital banking tools make that possible!

Digital & Online Banking

Accessibility and Ease-of-Use

We strive to create an accessible banking experience for everyone. Our digital services are designed with user-friendliness in mind so that managing your money feels straightforward and stress-free. Whether you're tech-savvy or just starting out with online banking, you'll find everything easy to navigate. With all these features combined, First Community is committed to providing you with the tools needed for effective account management right at your fingertips. Enjoy the freedom of banking anywhere because at First Community, we believe banking should fit seamlessly into your life.

Key Features

Our online banking services are available 24/7, giving you real-time access to your accounts whenever you need it. You can easily check balances, transfer funds, and pay bills all from the comfort of your own space. If you're looking for a hassle-free way to send money to friends or family, our person-to-person transfer feature makes it easy and quick. Security is a top priority for us. With electronic signature authorization available, you can sign documents safely without the need for paper. Plus, our mobile payments feature allows you to make purchases directly from your phone, adding another layer of convenience to your financial transactions. For those who prefer keeping track of their statements digitally, e-statements are readily available. This not only helps reduce clutter but also gives you instant access to your financial information at any time. And if you're always on the move, our mobile application ensures that all these features are just a tap away.

Financial Strength

Commitment to Growth

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 is impressive; with $19,116 in used auto loans and $1,844,593,728 in total loans and leases, we support our members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts: 329,662, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,248,111. 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 15260 Fm 529 Rd Houston Tx 77095 or call (281) 856-5300 to learn more about how we can help you achieve your financial goals.

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.

Secure Savings Options

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.

Strong 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.

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. We provide flexible terms that can accommodate your budget and lifestyle. Plus, if you're considering refinancing your current auto loan, our team can assist you in exploring eligibility options to help lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $218,504,352 provide the capital needed to grow and expand your business. Our team understands the challenges faced by entrepreneurs and is here to support you with competitive rates and personalized service. At First Community, we are committed to providing our members with accessible financial products that help achieve their goals. For more information about our loan offerings or to apply today, give us a call at (281) 856-5300 or visit us at our branch located at 15260 Fm 529 Rd Houston Tx 77095 in Houston, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Personal Loans

For those looking to manage unexpected expenses or consolidate debt, our credit lines totaling $843,222,921 offer flexible borrowing solutions. Additionally, we also offer unsecured credit card loans with a total of $81,975,596 available. These loans help members manage their finances effectively while enjoying rewards on their spending.

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 purchasing a home is one of the biggest decisions you'll make, which is why we strive to provide clear guidance and support throughout the process.

Loan Aggregator

Benefits of Using LendMesh

- 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 their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback underscores LendMesh's reputation as a reliable tool for borrowers seeking the best deals. 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.*

Ensuring 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 commitment to accuracy ensures that you receive fair and transparent offers when comparing loan rates.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Get in Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Options

Comprehensive List Of Services

Accessibility and Convenience

Business Banking

Credit Cards

Loans and Financing

Personal Banking

Digital & Online Banking

Accessibility and Ease-of-Use

Key Features

Financial Strength

Commitment to Growth

Member Trust

Operational Efficiency

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Credit Lines and Personal Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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