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For All Branch Lobby Appointments Call (254) 776-9333 ext. 5108; Use Online & Digital Services;

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

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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. We have approximately 276 members who are effected by this at this time. They will be contacted individually in order to resolve this issue. If your account meets this criteria no action is required by you. However, since this is a change to our current procedures we felt it is appropriate to inform all our members.

If a member is allowing a completely different person use of their account for Direct Depost purposes, that person will need to make other arrangements. Again, the deadline is December 31, 2020.  

Credit bureaus offer FREE CREDIT REPORT through April 2021. The three major credit bureaus in the U.S. have collectively agreed to offer free weekly credit reports to consumers. Equifax, Experian and TransUnion will provide free reports through www.annualreport.com at no charge through April 2021. You can obtain a weeky report to check for identity theft, credit inquiries, Covid-19 deferred payments and debt consolidation accuracy. Learn more here: https://www.consolidatedcredit.org/fin.../free-credit-reports or https://firstcentralcu.kofetime.com/

All First Central lobbies have re-opened. 

In accordance with the State of Texas, the wearing of masks will be required of members and employees inside the lobbies -- with the understanding that 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 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 or in your vehicle. You will be called inside when it is your turn. Groups will be limited to 2 people. 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 calling: (254) 776-9333 ext. 5108.

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 when possible.
  • Loan Applications can be found online and should be filled out completely before submitting, inorder to contact you.

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 office will contact you shortly to review your current information.


  • Member services will be by appointment. Please call ahead to set up a convenient time.

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. Money Orders, Cashier Checks, Statement Prints and Temporary Checks -- all can be obtained at the drive-thru. 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 crrent 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! 

New Saturday hours for Chapel Road's expanded drive-thru experience. Welcome back to the newly renovated 9101 Chapel Road branch location, where 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. Their assistance will now be available on Saturdays from 9 a.m. to 1 p.m. at the Chapel Road location. In the upcoming months ITMs will be available at our other convenient branch locations. 


Specific purposes will require in-lobby appointments. Please call (254) 776-9333 ext. 5108 for: Notary Service, Safe Deposit Box Access, IRA Transactions, CDs, and Mortgage Real Estate Loans.

Shared branching guest members will 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.  

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.