First Community Credit Union of Houston

Checking Accounts - Available for consumers as well as businesses with various features, from free accounts to those with enhanced benefits. Checking accounts have been designed to meet the needs of all age groups and financial status. Teenager accounts are available (with a parent or guardian as a joint signer) to begin teaching proper money management Seniors qualify for our best checking account at a discounted rate. Fresh Start checking accounts are available to those who would normally be unable to establish a checking account elsewhere. High yield money management accounts are available to those who maintain high balances and wish to earn money market rates. Small businesses can also benefit from one of our three affordable and flexible business checking accounts. Additionally, FCCU extends the reach of these accounts to all members with free debit cards, free internet account access, free electronic bill payer services and free electronic statements. Some checking accounts offer dividends that are paid monthly. Over 50% of the credit union's members have a checking account.

Consumer Loans. FCCU provides a wide array of consumer loan products through an efficient and highly trained underwriting process. The consumer loan product line includes new and used auto loans, credit cards, personal loans, mortgage and equity loans, student loans, other secured loans and recreational vehicles, boats and motorcycles. Access to apply for a loan is available through our branch network or 24/7 through our call center or on-line at our website. Credit life and disability insurance is available on any of these loan types.

Savings Accounts - Offer access to members of all ages from youth accounts to senior accounts. Membership means access to a variety of products and services that can help build a sound financial foundation. Membership is also extended to all family members - spouses, parents, siblings, children, grandparents, cousins, aunts and uncles. FCCU had over 152,000 member-owner accounts as of 12/31/22 - each with a vote to elect our voluntary Board of Directors. Access is available through our 19 branch network, home banking, phone apps, 24/7 voice and automated phone center, ATMs as well as the shared-branch network worldwide. Savings accounts are designed to encourage the development of consistent savings habits. Savings accounts pay dividends quarterly.

As a full service financial institution, First Community Credit Union offers a variety of miscellaneous products and services that most consumers require to conduct their daily finances including safe deposit boxes, nationwide ATM services, free bill payer services, an overdraft privilege program, identity theft packages, wire transfers, notary services and investments through an independent brokerage service.