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Continue Using Online & Drive-thru Services While Lobby Re-Opens

Please refer to this page for notices and up-to-date information.  

We continue to offer drive-thru and online services in order to keep working toward a safe solution for our members and employees. Our lobbies have re-opened. As First Central works through this phase of our COVID19 circumstances, we must support our goals to keep members and employees protected with priority placed on your well-being and financial security.

In our efforts to remain healthy, please continue to use our many remote banking resources. We have expanded services to better serve you. Mondey Orders, Cashier Checks, Statement Prints and Temporary Checks -- all can be obtained at the drive-thru. We encourage you to use First Central's remote services:

  • Deposit Checks and Cash at 24/7 ATMs with a FCCU debit or ATM card
  • Open New Accounts online
  • Access existing account 24/7 with FCCU Mobile App
  • Use FCCU Online Banking
  • Mobile Check Deposit may be set up for current members
  • Loan Application and Document Signatures can conveniently be done online
  • From this website or FCCU Mobile App, loan payments can be made using a debit or credit card

Senior citizen curb-side service will be available each Tuesday from 9 to 11 a.m., for those 65+ years old.

The wearing of a mask is allowed inside the lobbies with the understanding that you will be asked to lower your mask before you enter the lobby and again by the individual conducting your transaction to establish your identity.

Lobby walk-in traffic will be accepted by staff availability with the objective of creating social distancing space within our lobbies. We will admit 1 member per available teller plus 2 more members waiting or conducting other business inside the lobby at any given time. Members will not be allowed to wait inside the lobbies. For your protection and ours, you will be asked to wait outside of the entry door, and you will be called inside when it is your turn. Groups will be limited to 2 people or you may choose our curb-side service.

To make an appointment or if remote banking assistance is needed, please reach out to a First Central member service representative at these phone numbers: SANGER (254) 761-3597; BELLMEAD (254) 761-3540; HILLSBORO (254) 582-2489; BROWNWOOD (325) 641-2943; CHAPEL branch is temporarily closed for renovation.

If you find our phone lines busy, please leave a voice mail message vs. repeat phone calls. We have staff dedicated to serving members via the phone. You can also reach out to us via email at: [email protected]. Emails however, are not a secure coorespondence, therefore please do not email sensitive information. We will be glad to assist you in setting up a safe and financially secure method of interaction. One secure option is contacting us online at: | About Us | Contact Us

Planning ahead for the following processes will save time:

  • Forms / Applications can be found online and should be filled out prior to coming inside the branch.
  • Member services will be by appointment. Please call ahead to set up a convenient time.

You will see new protective teller screens in the lobbies, and we continue to take precautions to disinfect user areas. The lobbies will be open during our regular hours with social distancing markers inside and outside. We also reserve the right to ask someone to leave who appears ill or indicates to us that they are ill; or refuses to cooperate with our guidelines.

RENOVATIONS will temporarily close the 9101 CHAPEL ROAD branch location beginning Monday, April 27, 2020.

  • During renovation, you will be able to use the 24 / 7 ATM at the Chapel Road branch location as you have conveniently done so in the past. It now has the enhanced ability to deposit cash or checks on your own time.
  • We look forward to continuing to serve you during this anticipated 8-week renovation period at other branch locations and through remote banking options available on the FCCU Mobile App and here on this web site. 

New! Text MessagePay

MessagePay allows you to make loan payments via text messaging on your mobile phone. It's a great reminder you can instantly react to when you receive a "loan payment due" text or email message -- saving you time and giving you peace of mind.

At this time when you have to be more aware, we want you to know this new feature is not a scam. MessagePay accepts ACH payments (account & routing number needed) and debit card payments (VISA & MasterCard). When using this method to make a payment, a fee of $4.95 applies for this service.  However, during the pandemic situation, the credit union is waiving this fee through June 30, 2020.  

"Our primary focus is to continue to deliver service to those who are counting on us. Everything we do, we do for you." 

Credit union membership comes in handy during tough times.  To help with unforseen financial difficulties we have reduced and adjusted several fees and limits. We have reduced the overdraft and NSF fees from $27 to $20. First Central has absorbed fees associated with loan and credit card payments, so payments can be made via phone or online. These reductions will remain through June 30, 2020.  

In-lobby appointments should be made by calling the above phone numbers for specific purposes such as: Notary Service, Safe Deposit Box Access, IRA Transactions, CDs, and Mortgage Real Estate Loans.

Effective April 20, 2020 Shared Branching Waco guest members will no longer be offered services at the Waco locations. Hillsboro and Brownwood branches will accommodate shared branching guest members with a lane #1 drive-thru option. Cash advances will not be performed. As a guest member with a cash advance need, please contact the issuer of your card and obtain a PIN to do cash withdrawals via ATM with the PIN.  

We thank you for your patience and understanding. We remain confident in our ability to provide the exceptional service that First Central members expect and deserve while ensuring the well-being of all.   

It's an unprecedented time for all of us and we know many will be affected financially. If there is any way we can help you through this period in addition to our efforts currently in place, please let us know.