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

Introduction

Welcome to First Community, your trusted financial partner located at 23803 Fm 1093 Rd, Richmond, TX 77406. Established in 1954, we have proudly served our community for nearly seven decades, growing alongside our members. With a total membership of over 165,959 and assets exceeding $2.4 billion, we are dedicated to providing personalized banking solutions that empower you to achieve your financial goals. At First Community, we believe in building lasting relationships with our members. Our CEO, TJ Tijerina, and Board President, Martin Miracle, lead a passionate team of 419 employees who are committed to delivering exceptional service. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we have you covered. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 840129, Houston, TX 77284. Our commitment goes beyond just numbers; it's about making a positive impact in the community. With total deposits of $32,370,341 and net worth amounting to $217,335,266, we ensure that your money is safe while also supporting local initiatives. We invite you to explore the array of services we offer and experience firsthand how First Community prioritizes your financial well-being. To learn more or if you have any questions, feel free to call us at 281-856-5300. Visit our website at FCCU.org for further information or to get started with your banking journey today!

Branch History & Mission

At First Community, we take pride in our rich legacy that began in 1954. Nestled in the heart of Richmond, TX, at 23803 Fm 1093 Rd, our branch has grown and evolved alongside the community we serve. Since our inception, we have been dedicated to providing exceptional financial services while fostering a strong sense of belonging among our members. Today, with over 165,959 members and assets totaling $2,421,246,359, we stand as a trusted partner in your financial journey. Our mission at First Community is simple yet powerful: to empower individuals and families through accessible banking solutions while actively contributing to the well-being of our community. We believe that everyone deserves the opportunity to thrive financially. Our commitment goes beyond just transactions; we strive to build lasting relationships with our members by offering personalized services tailored to their unique needs. As technology has advanced over the years, so have we. Our digital offerings include online banking, mobile payments, and e-statements to ensure that managing finances is convenient for all members. Additionally, our branch is fully ADA compliant, making sure everyone can access our services without barriers. Community support lies at the core of what we do. From partnerships with local organizations to outreach programs that help those in need, First Community is dedicated to making a difference in Richmond and surrounding areas. We believe that by investing in our community's growth and prosperity, we can create a brighter future for everyone. While you can visit us at 23803 Fm 1093 Rd, official correspondence should be directed to our mailing address: PO Box 840129, Houston, TX 77284. Our operating hours are designed for your convenience: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 3 PM. We also offer drive-thru banking for those on the go. We invite you to join First Community today! Experience firsthand how our dedication to service can help you achieve your financial goals while being part of a supportive community. Call us at 281-856-5300 or visit our website for more information on membership eligibility and account opening options. Together, let's build a prosperous future!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with your convenience in mind. We offer ample parking space and have made sure that our facilities are accessible for all members, including those who may need ADA-compliant features such as ramps. Whether you're stopping by for a quick transaction or looking to discuss financial options, you'll find everything you need right here.

Get in Touch

Have questions? Don't hesitate to give us a call at 281-856-5300. Our dedicated team is always ready to assist you with your financial needs. We look forward to seeing you soon at First Community's Westpark branch!

Operating Hours & Services

We invite you to visit us during our welcoming hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 3 PM. Our drive-thru service operates Monday through Friday from 7:30 AM until 7 PM, and on Saturdays from 9 AM to 5 PM, allowing for flexible banking options that fit your busy schedule. At First Community, we provide a range of services tailored for personal and business needs. From checking and savings accounts to auto loans and mortgages, we have solutions designed just for you. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Plus, if you're a member of a partner credit union, feel free to use our shared services for deposits and withdrawals. While members can visit us at 23803 Fm 1093 Rd, official correspondence should be sent to PO Box 840129, Houston, TX 77284.

Member Eligibility

At First Community, we believe that becoming a member is like joining a close-knit family where everyone supports one another. To be eligible for membership, you simply need to live, work, or worship in the communities we serve, which makes it easy and welcoming for many people. We also consider family members of existing members as part of our community, so even if you're not directly connected to us yet, you might still qualify! For more details on the specific eligibility criteria, feel free to visit our website at https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility. Once you're ready to join us at our branch located at 23803 Fm 1093 Rd Richmond Tx 77406, opening an account is a breeze! You can find all the information you need about the process by checking out this link: https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility. If you have any questions or need assistance, don't hesitate to give us a call at (281) 856-5300. We're excited to welcome you into our vibrant community!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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 That Simplify Transactions

In today's fast-paced market, effective payment processing can set your business apart. Our merchant services provide seamless transaction solutions that are designed to enhance your customer experience. Imagine the convenience of accepting payments from anywhere whether at your storefront or online allowing you to focus on what matters most: growing your business. Visit us at 23803 Fm 1093 Rd Richmond Tx 77406 in Richmond, TX, or call us at (281) 856-5300 to learn more about how we can support your business goals. Join the many local businesses thriving with the help of First Community!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide specialized services like Business Banking, which includes merchant services and business loans tailored for small enterprises. We recognize the challenges of running a business and are committed to supporting your growth through financial solutions that work for you.

Convenient Access Points

In addition to personal service at our branch, we offer essential features like ATM access for cash withdrawals and balance checks. Our Drive-Thru Banking allows you to complete simple transactions without leaving your vehicle, making it easier than ever to bank on the go. Plus, with Basic Shared Branch Transactions, members from partner credit unions can enjoy easy access to their accounts right here at First Community. We invite you to explore all these services further by visiting us or calling us at (281) 856-5300. At First Community, we're more than just a credit union; we're your partner in financial well-being. Visit us today and discover how we can assist you in achieving your financial dreams!

Credit Cards for Everyday Needs

Our credit cards come with rewarding benefits, allowing you to earn points on everyday purchases. Whether you're shopping for groceries or planning a vacation, our Credit Cards with Rewards can enhance your spending experience while helping you save.

Loans and Financing Options

When it comes to financing major purchases like a car or home, we offer competitive rates on Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing. Perhaps you're considering consolidating debt; our Personal Loans & Debt Consolidation options can help you streamline payments and reduce stress. With our flexible terms and personalized service, achieving your financial goals is within reach.

Personal Banking Solutions

Whether you're looking to open a checking account for everyday spending or a savings account to grow your funds, First Community has you covered. Our Personal Banking services include checking and savings accounts designed to suit various lifestyles. Imagine easily accessing your money via our user-friendly online and mobile banking platforms, giving you the freedom to manage your finances anytime, anywhere.

Digital & Online Banking

Key Features

Our electronic signature authorization makes signing documents quick and secure, so you can complete transactions without any hassle. Plus, with e-statements available, you'll receive your account statements electronically, helping you save paper while keeping everything organized in one place. If you're looking for easy ways to send money to friends or family, our person-to-person transfer feature is just what you need. It's fast and simple perfect for those last-minute payments or splitting the bill after a night out. With our mobile application, available on both iOS and Android devices, you can manage your accounts right from your smartphone. Want to make a purchase? Our mobile payments feature lets you do just that quickly and securely. At First Community, we prioritize security in all our digital services. Your personal information is protected with advanced security measures, giving you peace of mind as you bank online. Experience the freedom of real-time account management with First Community's digital banking services because taking control of your finances should be easy and safe!

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 supports your financial goals with $19,116 in used auto loans and $1,844,593,728 in total loans and leases.

Growing Member Base

Total Share Accounts stand at 329,662, showing a strong and growing member base that trusts us with their finances. This growth allows us to expand our services while maintaining the personal touch that sets us apart. 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 23803 Fm 1093 Rd Richmond Tx 77406 or call (281) 856-5300 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Opportunities

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.

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.

Solid 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. Whether you're purchasing a new or used vehicle, our friendly staff can guide you through the process and ensure you find an option that fits your budget.

Business Loans

For business owners looking to expand or improve operations, our outstanding commercial loans totaling $218,504,352 provide the capital needed for growth. We understand the unique challenges businesses face and are here to support you every step of the way.

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 provide flexible terms and competitive rates to help you secure your dream home without unnecessary stress.

Refinancing Options

If you're considering refinancing any of your current loans or credit products for better rates or terms, we encourage you to reach out to us. Our team will assess your eligibility and guide you through any potential refinancing options available. For more information about our loan offerings or to discuss which product might be best for you, please don't hesitate to call us 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. At First Community, we're committed to helping our members succeed financially let's work together to find the right loan solution for you!

Unsecured Credit Card Loans

Managing day-to-day expenses or planning for a big purchase? 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. This option provides you with the freedom to spend while keeping your finances under control.

Loan Aggregator

Accurate Loan 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 fair and transparent offers, giving users confidence in the accuracy of their loan options. LendMesh provides several key benefits that build trust with 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 quickly. 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 reinforces LendMesh's reputation as a reliable resource for finding competitive loan rates. For those looking to secure the best financing options available, 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

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Get in Touch

Operating Hours & Services

Member Eligibility

Business Banking & Commercial Services

Business Loans That Fuel Growth

Merchant Services That Simplify Transactions

Comprehensive List Of Services

Business Banking Services

Convenient Access Points

Credit Cards for Everyday Needs

Loans and Financing Options

Personal Banking Solutions

Digital & Online Banking

Key Features

Financial Strength

Commitment to Growth

Growing Member Base

Member-Centric Savings Opportunities

Operational Efficiency

Solid Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Accurate Loan Comparisons

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