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Use Online & Digital Services; All Branch Lobbies Closed To Walk-Ins Until Further Notice

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

Welcome back to the 9101 Chapel Road branch location! At the Chapel location, we encourage you to use our newly expanded drive-thru interactive teller machines (ITMs). You can complete most transactions you are used to doing inside the branch -- including deposits, loan payments, withdrawals, balance inquiries, transfers and even requesting specific bills for cash back.

"I get off work at 6 a.m. and I use to have to wait around until 7:30 for the drive-thru to open. I love being able to bank without planning around banking hours!" Eddie G. 

"I like that I can go to the ITM and get whatever mix of bills I need -- not just $20s!" Mandi B.  

Most importantly is that YOU can use the ITMs to complete all these functions on your own time -- 24/7. In the upcoming months, ITMs will be available at our other convenient branch locations. 

All branch lobbies are closed to walk-ins until further notice. For in-person service the drive-thru at each branch is available during business hours.  The ATMs are available 24/7 for cash withdrawals and to deposit checks and cash with a FCCU Debit or ATM card. Please continue to use online and remote banking as your first choice. 

We continue to offer drive-thru and online services in order to keep working toward a safe solution for our members and employees.  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.

To make a "curb-side" appointment or if remote banking assistance is needed, please reach out to a First Central member service representative by calling: (254) 776-9333. 

In accordance with the State of Texas, the wearing of masks will be required of members and employees.

When there is entrance into the lobbies, the required wearing of a mask inside the lobbies will be 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. We will prioritize appointment times made in advance by members. 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. We also reserve the right to ask someone to leave who appears to be ill or indicates to us that they are ill; or refuses to cooperate with our guidelines.

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: www.firstcentralcu.com | 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.

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. 

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

In-lobby appointments should be made by calling (254) 776-9333 ext. 5108 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.