Intro – First Community Credit Union Reviews & Ranking
First Community Credit Union was recently ranked and reviewed by AdvisoryHQ as a top rated credit union. Firms on our top rated lists were selected after they successfully passed AdvisoryHQ’s groundbreaking, four-step banks and credit unions selection methodology.
Click here for a step-by-step breakdown of the methodology and selection process used during our First Community Credit Union review: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
The First Community Credit Union review below provides a detailed assessment, including some of the factors used by AdvisoryHQ News in its ranking and selection of First Community Credit Union.
First Community Credit Union Review
First Community Credit Union has the distinction of being the Official Credit Union of the Houston Texans. It was founded by Spring Branch Independent School District employees in 1954 and has been in the “people-helping-people” business ever since.
Today, this top credit union serves over 125,000 members and has 17 branch locations. It has grown from its modest beginnings to now being one of the largest credit unions in Houston, TX and having over $1.4 billion in assets.
Top Credit Unions 2020-2021
First Community offers multiple financial services and products to assist their members with their financial needs including Visa Rewards, student loans, and a variety of checking accounts, including free and rewards checking.
See Also: GECU | Ranking & Review
Key Factors Leading Us to Rank First Community Credit Union as One of the 2020-2021 Top Credit Union Firms
Upon completing our detailed reviews, First Community Credit Union was included in AdvisoryHQ’s ranking of the 2020-2021 best credit unions based on the following factors.
First Community Credit Union Review: Overdraft Options
Life doesn’t always go as planned and FCCU understands this. To offer convenience and peace of mind, this credit union offers several different overdraft options for members if they attempt to make a transaction and don’t have enough funds to cover it.
One option is Overdraft Transfers, where a linked savings account or line of credit is added to a savings account. An FCCU Credit Card can also be linked as an Overdraft Transfer source. If an overdraft happens, funds are automatically transferred between accounts for a small fee.
Overdraft Privilege is another option, which is available to members who have had a checking account with the credit union and meet certain qualifications. With this option, FCCU covers overdrawn accounts and pays transactions up to a certain limit
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First Community Credit Union Review: Rewards Checking
For those that want to earn interest on their checking account, FCCU’s First Rewards Checking offers an attractive 2.25% APY with no fees, when certain qualifications are met.
The account holder must have at least 12 debit card purchases post and clear each month. They must also receive full payroll through direct deposit and receive eStatements to be eligible.
This account can be opened with just $25; no minimum balance is required, and there is an overdraft privilege option.
All checking accounts from First Community include online banking, mobile banking, Bill Pay, and a debit card.
First Community Credit Union Review: Visa® Debit cards
Visa® Debit cards are included with checking accounts from FCCU, and members can select from a variety of Texas-inspired designs for their card. These cards can be used anywhere Visa® is accepted and at ATMs located throughout the country.
These debit cards also come with fraud prevention tools to help ensure your account stays safe. These include:
- FCCU Card Manager: Allows you to take control of your debit and credit cards with transaction alerts and the ability to turn cards off and on
- Visa® Purchase Alerts: Know where your money is going and set up real-time alerts according to your desired criteria
- Fraud Notifications: Get real-time alerts to help identify potential fraud so you can stop it right away
Don’t Miss: A+ Federal Credit Union Review
Rating Summary
FCCU is a top credit union that takes the time to get to know their members and offer tailored solutions to meet their needs.
Programs like financial literacy for kids and financial counselors show how much FCCU cares about helping members get on the right financial path for a fulfilling future.
From attractive loan rates to the security tools they offer with standard debit cards, First Community Credit Union works to be the best and earns a 5-star rating as a top credit union.
In addition to reviewing the above First Community Credit Union review, you can click on any of the links below to browse exclusive reviews of AdvisoryHQ’s top credit unions:
Image Sources:
- https://www.fccu.org/
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
