First Central Credit Union
1602 Austin Ave.
Brownwood, TX 76801 Map
Phone: (325) 641-2943

First Central Credit Union
6201 Sanger Ave.
Waco, TX 76710 Map
Phone: (254) 776-9333

First Central Credit Union
305 Coke St.
Hillsboro, TX 76645 Map
Phone: (254) 582-2489

First Central Credit Union
3100 Bellmead Dr.
Bellmead, TX 76705 Map
Phone: (254) 776-9333

First Central Credit Union
9101 Chapel Rd
Waco, TX 76712 Map
Phone: (254) 776-9333

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Our Story

First Central Credit Union has been serving the Waco area since 1937, striving to provide the best financial services for its members. In the beginning, First Central was formed by 14 Southwestern Bell Telephone employees in 1937 and was named Waco Telco Credit Union. In 1977, Texas Power and Light employees joined with Waco Telco. A few years later, in 1980, Brazos Electric Co-op Credit Union merged with the group as well. Membership has grown to include employees from many other local companies.

With its community charter, First Central offers memberships to anyone who either lives or works in McLennan County. In 2004, our field of membership grew to include anyone who lives, works or worships within 10 miles of our Hillsboro office, at 225 E. Franklin Street. By 2007, we were able to include all who live, work, or worship in all of Hill County and we also moved our office to 117 E. Franklin Street in Hillsboro. In July 2012, FCCU moved to the current Hillsboro branch office located at 305 Coke Street.

Our growth continued in July 2008, when FCCU merged with the Superior Community Credit Union in Brownwood, Texas. The Brownwood branch office was originally located at 2101 Fisk Street.  In 2016, renovations were completed on our current Brownwood branch located at 1602 Austin Avenue which serves all of Brown County. Through the Friends of Consumer Freedom Act those who live, work or worship in Bosque, Falls, Coryell, San Saba, Mills, Comanche, Eastland, Callahan, Coleman and McCulloch Counties are also eligible for membership.

In June 2011, First Central merged with the Waco-based Sears Credit union, which added more overall benefits of financial products and services for their members.

In 2014, a Bellmead branch office located at 3100 Bellmead Drive provided additional convenient McLennan County locations for FCCU members.

What started out with only 14 members has -- more than 80 years later -- become a credit union with more than 14,000+ members and exceeds $80 million in assets.

"We are growing and we hope to continue growing by offering a full spectrum of financial services with a commitment to service delivery that is second to none," states President Jo Betsy Tyler.

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