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Notice Details

Introducing call queues, calls answered first-come, first serve -- stay in queue for best service

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

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IF OUR RECORDS INDICATE THAT THE LAST ACTIVITY ON YOUR ACCOUNT IS OVER 3 YEARS OLD and per State of Texas regulations your account is determined to be in-active. A deposit or withdrawal of any amount will reset the account and remove the inactive status. To avoid your funds from being sent to the State of Texas, please conduct a transaction on your account. If you would like to close the account, please contact us and we will remit the funds to you.The deadline is May 31, 2022.  

GENERAL NOTICE TO THE MEMBERSHIP A verification of members' accounts is being performed as of March 31, 2022. All members should receive a statement either by mail or e-statement. Please compare your statement with your records and report any differences in balances to: Cornerstone Resources, P.O. Box 655147, Dallas, TX 75265-5147

INTRODUCING CALL QUEUES ... Thank you for your patience with our newly installed phone system. Your call will be answered in a first-come, first-serve order, so stay in queue. If you hang up you lose your spot in line. Instead of hanging up, please continue to hold. Trust that our system is routing your call to the next agent as quickly as possible. If at all feasible, try to avoid calling during our peak times of 9 to 10 a.m. and noon to 1 p.m. Accessing your account information can also be done through online banking, our free mobile app, and chat/secure messenger. Our FirstTeller (800) 492-3843 number is available 24/7.  

SAVE-TO-WIN ACCOUNTS PAY $3,125 TO MEMBERS LAST MONTH! Save to Win certificate accounts paid over $3,125 to local First Central members in the most recent drawing. Congratulations to local $100 winner Tevin! In the state monthly drawing Jeniva won $25. In the national monthly drawing Jean won $500. There were also the first quarter drawings where Dana won $500; Herbert won $500; Jordon won $500; and Alexander won $1,000! It is fun to save and win. You can get your Save to Win certificate account during the next enrollment period January 1 - April 30, 2023. For more information and official rules: Save to Win

FIRST CENTRAL IS NOT A PPP LENDER - Although First Central is a designated Community Development Financial Institution (CDFI), we are not a Payroll Protection Plan (PPP) lender. First Central services and products are not geared toward business accounts / lending. If you have experienced some confusion about this matter, it may be that online the Small Business Administration (SBA) does list types of institutions that do that type of loan, including credit unions. There is also an online listing of all the CDFIs, which First Central is one, but it states that not all CDFIs are PPP lenders.

For more information about our CDFI status:

NEW PHONE NUMBERS - First Central "PIN-by-Phone" and "Card Activation" phone numbers have changed. The "Activate My Card" icon on our website is no longer available. The new phone number for both "Card Activation" and PIN changes for ATM / Debit / Credit cards is 1-800-290-7893. You can follow the prompts on the automated system.

ATTENTION REWARD CREDIT CARD HOLDERS - First Central has a new Extra Awards website page. All users currently on Extra Awards have been automatically moved onto the new platform. Your points will update automatically on the new system and you will receive points for any purchases made during the transition. For more details click here:

SATURDAY HOURS - ASSISTED DRIVE-THRU SATURDAY HOURS for Bellmead, Hillsboro, Waco - Chapel Road and Sanger Avenue, and Brownwood branches! Teller assistance available Monday - Friday 7:30 a.m. to 6 p.m. also.

We encourage you to use the interactive teller machines (ITMs). You can complete most teller withdrawals, balance inquiries, transfers and even request specific bills for cash back. Most importantly, you can use the ITMs to complete all these functions on your own time — 24/7.

It's easy to use an ITM. If you need assistance during business hours, touch anywhere on the ITM screen, and a teller will appear on the screen to service your transaction, including securely authenticating your transaction by your driver's license. That's it — your teller will assist you with your banking needs and walk you through the quick process. They can even guide you to feel comfortable enough to try it yourself after hours. After hours, you can use them to complete all of these functions just unassisted -- 24/7. We look forward to showing you how! 

DIRECT DEPOSIT NOTICE - Do you have Direct Deposits into your First Central account? In order to comply with ACH rules and regulations, effective January 1, 2021, ACH Direct Deposits will be returned to the issuer if the name on the Direct Deposit does not match the name on your First Central account.Currently a Direct Deposit requires the First Central routing number and the member's account number — not a name on the account. If your account meets this criteria no action is required by you.

DID YOU KNOW WE HAVE A FINANCIAL HOTLINE YOU CAN CALL? Through Knowledge of Financial Education (KOFE) you can see free monthly webinars on this website. Or you can call the member financial hotline 844-203-0038. It is our way of supporting your goals with financial resources all free of charge as a member benefit. Learn more here:

IF YOU PREFER TO WEAR A MASK inside the lobbies — you will be asked to lower your mask by the individual conducting your transaction to establish your identity. Lobby walk-in traffic will be accepted by staff availablity with the objective of creating social distancing space within our lobbies. We will prioritize appointment times made in advance by members. Every effort to social distance members will be made. 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.

To make an appointment or if remote banking assistance is needed, please reach out to a First Central member service representative by booking an appointmnt (button shown above) or calling: (254) 776-9333 ext. 5108. Specific purposes will require in-lobby appointments such as Notary Service, Safe Deposit Box Access, IRA Transactions, CDs, Mortgage Real Estate Loans, Money Orders, Cashier's Checks, Cash Advances and Statements.

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 when possible.
  • Loan Applications can be found online and should be filled out completely before submitting, inorder tocontact you.
  • Member service appointments save you time. Please set up a convenient time. 

Quicker loan processing and funding is the result of the centralized lending concept now being utilized at First Central. You still have the local, friendly lending team working for you, just without a long wait time in the lobby. Simply apply online and a loan officer will contact you shortly to review your current information.

We continue to offer drive-thru and online services in order to keep working toward a safe solution for our members and employees. We have expanded services to better serve you. We encourage you to also 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 Applicaion 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

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 payment (VISA & MasterCard).

Yes, You Can - 24/7! New enhanced teller machines (ETMs) have replaced each branch location's automatic teller machines (ATMs). the upgrades allow a member to deposit cash and checks on your own time 24/7 — with fast and secure ease. You can deposit up to 50 checks or bills at a time and cash deposited is available immediately. When you deposit a check, you can choose to have the receipt print with a copy of the check image. These transactions can be performed in both Spanish and English. You can make your deposit and never leave your vehicle on your own time — even weekends — "Yes, You Can 24/7!

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

Remote control cards give you the opportunity for real-time management — once you set this feature up on the First Central mobile app, you will have access to mark your First Central debit and credit cards as active or disabled. You can change this "On" or "Off" status on your mobile app as often as you desire. If your card is lost or stolen, you can turn it "Off" immediately from your phone, so all activity is stopped. If you find your card, you can simply reactivate your original card. If your card was stolen, contact us to receive your new credit/debit card. With this convenient easy-to-do-option of added security — you're in charge anytime, anywhere!

Shared branching guest memberswill be accommodated inside the branch lobbies only. 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.

Beware of Fraudsters! An attempt to target First Central members ... a website posing as First Central Credit Union has surfaced in an attempt to secure personal and financial information from our members. The phone number on this bogus website, when called lets the caller know that the call is being recorded and to press "1" to continue.

If you have arrived at this website or experience a call like this, please hang up and do not give out any of your personal information. This fraudulent activity may be a form of phishing, vishing, or spoofing — all criminal forms of securing information for misuse. If you personally experience this, help us catch the bad guys! Please call us at (254) 761-3503 immediately or leave a message for a call back.

If you have been affected financially, and there is any way we can help you through this period in addition to our efforts currently in place, please let us know.