First Community Credit Union Richmond TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Community, your trusted partner in financial wellness located at 10161 W Grand Parkway, Richmond, TX 77407. Since our establishment in 1954, we have dedicated ourselves to serving our members with integrity and compassion. With a robust membership of over 165,959 individuals, we pride ourselves on being more than just a financial institution; we are a community. At First Community, we understand that each member's needs are unique. That's why we offer a diverse range of services tailored to fit your lifestyle from checking and savings accounts to auto loans and credit cards with rewards. Our commitment is reflected in our impressive total assets of $2,421,246,359 and total deposits amounting to $32,370,341, ensuring that you can trust us with your financial future. Under the leadership of CEO TJ Tijerina and Board President Martin Miracle, our dedicated team of 419 employees is here to support you every step of the way. Whether you need assistance with personal banking or are seeking business financing options, we're ready to help. Plus, for those who prefer digital banking solutions, we offer convenient online and mobile banking services. While members can visit us at our branch location, official correspondence should be sent to PO Box 840129, Houston, TX 77284-0129. Join us today at First Community where financial empowerment meets community spirit! For more information or to speak with one of our friendly representatives, call us at 281-856-5300 or explore our services online at FCCU.org. We look forward to welcoming you into our family!

Branch History & Mission

At First Community, we take pride in our rich history and deep commitment to the community of Richmond, TX. Founded in 1954, our branch has grown alongside our members, evolving from a small credit union into a trusted financial partner for over 165,000 individuals. With total assets exceeding $2.4 billion, we have established ourselves as a cornerstone of financial stability and support in the region. Located at 10161 W Grand Parkway, our branch is easily accessible to all members of the community. Just a short drive from local landmarks like the Grand Parkway Marketplace, we invite you to stop by and experience our welcoming atmosphere firsthand. While members can visit us at this address for their banking needs, official correspondence should be sent to PO Box 840129, Houston, TX 77284-0129. Our mission at First Community is simple yet profound: to provide exceptional financial services while fostering a sense of community among our members. We aim to empower individuals and families through a range of offerings, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our dedication extends beyond transactions; we prioritize building lasting relationships with each member. As we look back on nearly seven decades of service, we celebrate not only our growth but also our ongoing commitment to innovation and accessibility. Our branch features modern conveniences such as online banking and mobile payment options to make managing finances easier than ever before. We are proud to be ADA compliant, ensuring that everyone can access our services comfortably. Community outreach is at the heart of what we do. Over the years, we've partnered with various local organizations to promote financial literacy and support initiatives that uplift those in need. Whether it's hosting workshops or sponsoring community events, First Community believes in giving back to Richmond and enhancing the lives of its residents. In addition to our physical presence, we're also here for you digitally! With convenient ATM availability and shared service centers nearby, we strive to ensure that you have access to your funds when you need them most. We invite you to join First Community today! Experience the benefits of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a brighter future for ourselves and our community! For more information or assistance, feel free to call us at 281-856-5300 or visit us online at FCCU.org.

Branch Location & Accessibility

Welcome to First Community at our Aliana branch, where convenience and friendly service come together. Located at 10161 W Grand Parkway in Richmond, TX, our branch is easy to find and accessible for all members of the community. Whether you're stopping by for banking needs or just passing through, we're here to help. While you can visit us at this location for all your banking needs, please remember that official correspondence should be sent to our mailing address at PO Box 840129, Houston, TX 77284-0129. Our branch is situated near well-known landmarks that make it even easier to locate us. If you're familiar with the area, you'll find us close to shopping centers and local parks, perfect for a quick stop after your errands. We offer ample parking right outside the entrance, ensuring that your visit is hassle-free. Additionally, our facility is equipped with ADA-compliant features and ramps to ensure accessibility for everyone. We take pride in our welcoming atmosphere and dedicated team. Our lobby hours are designed to fit your busy schedule: we are open Monday through Thursday from 9:00 AM to 7:00 PM, Friday from 9:00 AM to 7:00 PM, and Saturday from 9:00 AM to 5:00 PM. We are closed on Sundays. If you need assistance earlier in the day, our tellers are available Monday through Thursday starting at 7:30 AM until 7:00 PM, and on Fridays from 7:30 AM until 7:00 PM. At First Community, we offer a range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need cash? Our ATM is available for quick withdrawals and balance checks anytime you need it. Even though we do not have drive-thru services at this location, we do provide shared services for basic transactions like deposits and withdrawals for partner credit union members. If you have any questions or want more information about how we can assist you, feel free to give us a call at 281-856-5300 or drop by during our operating hours. We look forward to serving you!

Member Eligibility

Becoming a member of First Community feels like joining a close-knit community where your financial well-being is the top priority. To be eligible, you can be anyone who lives, works, worships, or attends school in the Richmond area, and even your family members can join too! This inclusive approach means that when you become a member, you're not just gaining access to amazing financial products and services; you're also becoming part of a supportive network dedicated to helping you succeed. You can find more detailed eligibility criteria at https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility, which is a great resource for understanding how you can be part of our family. Opening an account at First Community is simple and straightforward. Just reach out to us at (281) 856-5300 or visit us at our branch located at 10161 W Grand Parkway Richmond Tx 77407. We're here to guide you through every step of the process so you can start enjoying all the benefits we offer. Whether you're looking for checking accounts, loans, or other financial services, we're excited to help you on your journey! For further details on opening an account, check out this link: https://oao.fccu.org/AppSite/default?_gl=1*oyojl2*_gcl_au*ODAwOTE3ODEzLjE3Mzk1NTEyMjM.&FormName=MembershipEligibility.

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 Made Easy

Imagine being able to process payments quickly and efficiently, allowing you to focus on what matters most your customers. Our merchant services simplify transactions so you can provide an excellent experience at the point of sale. From mobile payment options to easy integration with your existing systems, we make it easy for you to handle sales effortlessly. Located at 10161 W Grand Parkway Richmond Tx 77407, Richmond, TX 77407, our team is ready to partner with you. Call us at (281) 856-5300 or visit our website at https://fccu.org/ to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Planning to buy a new car? We offer competitive auto loans and vehicle financing options that can help make your dream car a reality. With flexible terms and rates, you can find the perfect loan that works for your budget. Picture driving away in your new vehicle while knowing that you secured an excellent rate with us!

Business Banking Services

For our business members, we provide comprehensive business banking services, including merchant services and business loans. As a local partner in your entrepreneurial journey, we aim to support the growth of businesses in our community.

Convenient Access and Support

With an ATM on-site, cash withdrawals and balance checks are always convenient. Plus, if you're a member of a partner credit union, feel free to utilize basic shared branch transactions like deposits and withdrawals without any hassle. At First Community, we understand the importance of flexibility and convenience in banking. That's why we offer digital features such as mobile payments and the ability to send money directly through person-to-person transfers. We invite you to explore all these services and more by visiting us or giving us a call at 281-856-5300. Our team is eager to assist you with any questions or concerns you may have about our offerings. Experience banking redefined at First Community your trusted partner in financial success!

Home Loans Made Easy

If homeownership is on your mind, our mortgage loans and refinancing services can guide you every step of the way. Whether you're purchasing your first home or looking to refinance an existing mortgage for better terms, we are here to assist you with personalized advice tailored to your situation.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, First Community has options that fit your lifestyle. Our personal banking services are designed for everyday needs, helping you manage your finances with ease. Imagine being able to access your funds whenever you need them through our user-friendly online and mobile banking platforms. You can check your balance, transfer money, and pay bills right from your smartphone!

Personal Loans for Every Need

Sometimes life throws unexpected expenses our way. That's where our personal loans and debt consolidation options come into play. Whether you need funds for home repairs or want to consolidate multiple debts into one manageable payment, we have solutions that can help relieve financial stress.

Rewarding Credit Card Options

Looking for a credit card that gives back? Our credit cards with rewards program allows you to earn points on every purchase. Enjoy benefits like cashback or travel rewards while managing your spending effectively.

Digital & Online Banking

Accessibility and Ease-of-Use

Navigating your finances should never feel overwhelming. That's why at First Community, we focus on providing an accessible and intuitive experience tailored just for you. Our services ensure that whether it's day or night, help is always available with real-time account management right at your fingertips. Join us today and discover how our digital banking services can simplify your life! For more information, visit https://fccu.org/ or give us a call at (281) 856-5300.

Key Features

Experience the convenience of e-statements, which let you view your financial statements electronically rather than waiting for them to arrive in the mail. This not only helps reduce clutter but also allows for quicker access to important documents. Plus, with electronic signature authorization, signing important forms is a breeze no more printing or mailing required! Our mobile application makes it even easier to manage your accounts on-the-go. Whether you're making person-to-person transfers to friends or using our mobile payments feature to shop at your favorite stores, all transactions are just a tap away. And if you prefer checking things on a larger screen, our online banking platform is designed for user-friendliness.

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts stand at 329,662, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $4,248,111, we're positioned to meet the needs of our community effectively. 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 10161 W Grand Parkway Richmond Tx 77407 or call (281) 856-5300 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

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 your financial goals across various sectors.

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.

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

Additional Options

In addition to these products, we also offer credit lines with a total of $843,222,921 available for those who may need flexible financing solutions. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, feel free to reach out. You can contact us at 281-856-5300 for personalized assistance. 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 here to help make your financial aspirations a reality!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued more than $452,194,805 in used vehicle loans and $293,906,658 in new vehicle loans to help our members get on the road with confidence. Whether you want a brand-new model or a reliable pre-owned vehicle, we have options for you.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $218,504,352 provide the capital needed to expand and succeed. We know how vital it is for businesses to thrive in today's economy.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $34,452,304, allowing you to invest in your future and secure the home you've always wanted.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we provide flexible terms on unsecured credit card loans, with a total of $81,975,596 in loans helping members manage their finances effectively. Enjoy peace of mind knowing you have access to funds when you need them most.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can explore all your options without worrying about hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions. You won't miss out on favorable terms simply because you didn't have access to timely information. 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!" Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. 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 ensures that all offers presented are fair and transparent. Every listing reflects the current rates and terms set by these reputable lenders, giving you confidence in your choices.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Business Loans that Fuel Growth

Merchant Services Made Easy

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Business Banking Services

Convenient Access and Support

Home Loans Made Easy

Personal Banking Solutions

Personal Loans for Every Need

Rewarding Credit Card Options

Digital & Online Banking

Accessibility and Ease-of-Use

Key Features

Financial Strength

A Growing Member Base

Investment in Member Services

Operational Efficiency

Secure Savings Options

Solid Financial Health

Loan Offering

Additional Options

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Join Our Community