First Community Credit Union Katy TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Community, your trusted partner in financial services right here in Katy, Texas! Located at 23120 Cinco Ranch Blvd, we have been serving our community since 1954. With a commitment to empowering our 165,959 members, we pride ourselves on being more than just a credit union; we're a community hub where you can find the financial tools and support you need. Our dedication is reflected in our impressive financial standing, boasting total assets of $2,421,246,359 and total deposits reaching $32,370,341. We understand that every member's journey is unique, which is why we offer a diverse range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Whether you're looking to purchase your first home or expand your business with one of our competitive loans currently totaling 93,054, we are here to help. While members can visit us at our branch location in Katy, official correspondence should be sent to PO Box 840129, Houston, TX 77284-0129. You can reach us at 281-856-5300 for any inquiries or assistance you may need. Led by our dedicated CEO TJ Tijerina and Board President Martin Miracle, our team of 419 employees is committed to ensuring that your financial experience with us is seamless and supportive. We believe in transparency and accountability; with a net worth of $217,335,266 and cash in hand amounting to $41,598,013, you can trust that your funds are secure with us. At First Community, we're not just about numbers; we're about people. Our mission focuses on building lasting relationships with our members and giving back to the community we serve. Join us today and experience the difference of a member-centric approach to banking! Feel free to explore more about our services online at FCCU.org or stop by the branch we look forward to welcoming you!

Branch History & Mission

Welcome to First Community, where our journey began in 1954. Nestled in the heart of Katy, TX, at 23120 Cinco Ranch Blvd, we have grown from a small credit union into a thriving financial institution that proudly serves over 165,959 members. Our commitment to community and member satisfaction has been the driving force behind our success and evolution. From our humble beginnings, we have continuously expanded our services to meet the needs of our diverse membership. As we progressed through the years, we not only increased our total assets to an impressive $2,421,246,359, but also embraced digital advancements that allow us to offer modern banking solutions. Today, you can access your accounts online or via mobile apps, making banking more convenient than ever. At First Community, our mission is clear: we strive to empower our members through accessible financial services while fostering a sense of community. We believe in providing personalized support for every financial journey be it savings accounts, auto loans, mortgages, or business banking solutions. Our goal is to help you achieve your dreams while ensuring that our community thrives together. You can visit us at our branch during the following hours: 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. For those who prefer drive-thru services, we're open Monday through Thursday from 7:30 am to 7:00 pm and Friday from 7:30 am to 7:00 pm as well. While members can visit us at 23120 Cinco Ranch Blvd, official correspondence should be sent to PO Box 840129, Houston, TX 77284-0129. We also provide shared service center options and ATM availability for added convenience. As we look ahead, we remain dedicated to our roots while adapting to the changing needs of our community. Our partnerships with local organizations and ongoing outreach efforts reflect our commitment not just to finance but also to social responsibility. Join us today and experience the benefits of being part of First Community! Together, let's build a brighter future for ourselves and our neighbors. For more information about membership eligibility or opening an account, please visit our website or call us at 281-856-5300.

Branch Location & Accessibility

Accessibility and Nearby Landmarks

Our Cinco Ranch location is designed with accessibility in mind. We are proud to offer ADA-compliant features including ramps for easy entry and ample parking space right outside our doors. Plus, if you're nearby, you can find us just a stone's throw away from popular local spots like the LaCenterra shopping complex, making your visit even more convenient.

Connect with Us

Got questions? Don't hesitate to reach out! You can give us a call at 281-856-5300 for any inquiries or simply stop by during our operating hours. We look forward to welcoming you into our branch and helping you navigate your financial journey with confidence!

Operating Hours and Services

We understand that life can be busy, so our lobby hours are tailored to fit your schedule. 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. On Sundays, we take a break to recharge! For those who prefer drive-thru service, we're open Monday through Thursday from 7:30 AM to 7:00 PM, Friday from 7:30 AM to 7:00 PM, and Saturday from 9:00 AM to 5:00 PM. At First Community, we provide a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our shared service center also allows members from partner credit unions to complete basic transactions with ease.

Member Eligibility

At First Community, we believe that everyone deserves a chance to thrive financially, and becoming a member is your first step into a welcoming community. If you live, work, worship, or attend school in certain areas of our region, you're likely eligible to join us! Our membership criteria are designed to be inclusive and straightforward, allowing individuals from various backgrounds to benefit from our services. Whether you're looking for personal banking options like checking and savings accounts, loans, or credit cards with rewards, we have something for everyone. Joining is easy! To find out more about the specific eligibility details and see if you qualify, please visit our website at https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility. When you're ready to open an account, you can do so through this link as well: https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility. If you have any questions or need assistance, feel free to call us at (281) 856-5300. We're excited to help you start your journey with us at First Community, located at 23120 Cinco Ranch Blvd Katy Tx 77494!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Imagine running your business smoothly while processing payments effortlessly. Our merchant services take the hassle out of transactions, allowing you to focus on what truly matters serving your customers. With easy-to-use payment solutions, you can accept various forms of payment, giving your customers flexibility and enhancing their shopping experience. Located at 23120 Cinco Ranch Blvd Katy Tx 77494 in Katy, TX, we're here to help you navigate your business banking needs. Reach out to us at (281) 856-5300 to learn more about how our services can benefit you!

Tailored Loan Solutions

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

Additional Services for Your Needs

For those who prefer face-to-face interactions, our drive-thru banking allows for quick deposits and withdrawals without needing to leave your vehicle. We also offer shared branch transactions for members of partner credit unions, ensuring that you can access necessary services even when traveling. Whether you're stopping by or using our digital resources, First Community is committed to making banking accessible and straightforward for everyone in Katy and beyond. If you're ready to take the next step towards better banking solutions or want to learn more about how we can serve you, please give us a call at 281-856-5300 or visit our website at fccu.org. Join us today and discover how easy it is to manage your finances with First Community!

Credit Cards and Business Solutions

For members interested in rewards while spending, our credit cards come with attractive benefits that can enhance your purchasing power. If you're a business owner, First Community has your back with specialized business banking services. From merchant services that streamline transactions to business loans that support growth and expansion, we're here to empower your entrepreneurial journey.

Digital Banking Convenience

We recognize the importance of convenience in today's fast-paced world. That's why our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, as well as person-to-person payment options, you have full control over your finances right at your fingertips.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effortlessly. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates, making it easier for you to get behind the wheel of your dream car. If you're considering buying a home or refinancing your current mortgage, we offer flexible mortgage loans designed to fit various budgets. In addition to these core services, we understand that life can sometimes throw financial surprises your way. That's why we also provide personal loans and debt consolidation options. These services can assist you in managing unexpected expenses or consolidating debts into a single, more manageable payment.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features to help you stay on top of your finances. You can easily access your accounts, transfer funds, and pay bills all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfers make it quick and easy. Plus, with our electronic signature authorization, you can sign documents securely without needing to visit a branch.

Mobile Banking

For those who prefer using their smartphones, our mobile application provides a full range of services right at your fingertips. You can view e-statements, which are not only environmentally friendly but also keep your financial records organized and accessible whenever you need them. And if you're interested in making purchases easier, our mobile payments feature allows you to pay with just a tap.

Security and Accessibility

Your security is our priority. At First Community, we employ top-notch security measures to protect your personal information while you bank online. Whether you're logging in from a desktop or using our mobile app, you can rest assured that your data is safe. With all these convenient options available through First Community, managing your finances has never been easier or more secure. Explore our digital banking services today and take control of your financial future!

Financial Strength

At First Community, 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 committed to providing a strong foundation for your financial future, ensuring that you can trust us with your savings and loans. 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. 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. 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 robust; 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. Our operational efficiency is reflected in our $9,343,123, which enables 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. Total Share and Deposit Accounts: 329,662, 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 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.*

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 financing options tailored to fit your budget. Whether you're purchasing a brand-new model or a reliable used vehicle, we have solutions that make it easier for you.

Business Loans

For business owners, our outstanding commercial loans totaling $218,504,352 provide the capital needed to grow and expand. We understand that running a business requires access to reliable funding, and we're here to support your entrepreneurial journey.

Eligibility and Refinancing Options

If you're interested in any of our loan products but unsure about eligibility or how refinancing works, don't hesitate to ask! Our team is well-equipped to guide you through the requirements and help you explore the best options available for your situation. At First Community, we are committed to providing exceptional service and comprehensive financial solutions tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey with confidence!

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. With competitive rates and personalized service, we can help turn your dream of owning a home into reality.

Unsecured Credit Cards

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 cards can be an excellent choice for building credit or covering unexpected expenses without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its emphasis on transparency: - Verified Data: Loan offers come only from legitimate financial institutions, ensuring peace of mind for users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results, giving you a true picture of your options. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, allowing users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates how effective and user-friendly the tool truly is. 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 sourcing ensures that users receive fair and transparent offers. By relying on reputable financial institutions, LendMesh guarantees that all loan comparisons are based on verified data.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Nearby Landmarks

Connect with Us

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Merchant Services for Everyday Needs

Tailored Loan Solutions

Comprehensive List Of Services

Additional Services for Your Needs

Credit Cards and Business Solutions

Digital Banking Convenience

Personal Banking Made Easy

Digital & Online Banking

Key Features

Mobile Banking

Security and Accessibility

Financial Strength

Loan Offering

Auto Loans

Business Loans

Eligibility and Refinancing Options

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Join Our Community