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First Community Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with online and mobile banking access.
Data compiled from public sources
First Community Credit Union (FCCU) operates as a credit union, a member-owned financial cooperative that provides traditional banking services. Based on their website, they serve consumers seeking alternatives to traditional banks with a focus on member benefits and tools. FCCU offers a range of core banking products including checking and savings accounts, personal loans, auto loans, home loans, and credit cards.
Their product lineup emphasizes member convenience through digital tools, including online banking, mobile app access, a Card Manager platform, and card swap functionality. The credit union differentiates itself as a member-owned institution rather than a shareholder-owned bank, which typically means profits are returned to members rather than shareholders. The routing number 313084674 is documented, suggesting active operations.
Without access to their full website, rates, fees, membership requirements, and specific loan terms remain unclear from available sources.
This is state-level context for Credit Unions consumers in Houston, TX. It does not confirm that First Community Credit Union or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Community Credit Union offers 12 services including Rewards checking accounts, Money management checking accounts, Savings accounts, Auto loans, Personal loans, and 7 more.
First Community Credit Union has profile signals associated with Consumers seeking a member-owned alternative to traditional banks, Existing credit union members wanting comprehensive banking services, Borrowers interested in auto loans, personal loans, or mortgages with credit union rates.
Key strengths: Member-owned credit union structure typically offers better rates and lower fees than traditional banks; Free mobile app available on Google Play for convenient banking; Multiple account types including rewards checking and money management checking options. Areas to consider: Website 404 error makes it difficult to access rates, fees, and membership requirements; Limited information available about APRs, loan terms, or competitive advantages.
In the Credit Unions category, comparable providers include Baptist Federal Credit Union, Bayou City Federal Credit Union, CPS IBEW Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Community Credit Union is profile signals for existing or prospective credit union members seeking traditional banking services (checking, savings, loans) with member ownership benefits. The primary caveat is that their website is currently inaccessible for rate, fee, and membership details, requiring direct contact to evaluate specific competitive terms and eligibility requirements.
Baptist Federal Credit Union is a Texas-based credit union serving Baptist churches, institutions, and members with auto loans, mortgages, credit cards, and deposit accounts.
Profile signals: Baptist church members and employees seeking faith-aligned financial services, Baptist organizations, churches, and religious institutions needing institutional lending and treasury management
Bayou City FCU is a not-for-profit credit union serving Memorial Hermann Healthcare employees and their families, plus nearby residents, with competitive loan rates and payroll-deduction savings.
Profile signals: Memorial Hermann Healthcare System employees seeking competitive auto and personal loans, Houston-area residents within the defined service boundary looking for credit union benefits
San Antonio-based credit union exclusively serving CPS Energy employees and families since 1938, offering checking, savings, loans, and credit cards with rate claims to verify.
Profile signals: CPS Energy employees seeking affordable financial services within their employee community, Family members of CPS Energy staff looking for accessible, personalized banking services
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