Credit union · NCUA insured
First Central Credit Union CD Rates
First Central Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Central Credit Union’s CD rates compare
Compared with banks and credit unions near Waco, TX, where First Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Central Credit Union
4.00%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $434
Term Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
First Central Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Central Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 4.00%APY · 8 terms
Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. 13 months, 25 months, and JUMBO certificates are non-renewable. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.00% | $149 |
| 12 monthsPenalty for early withdrawal | 3.50% | $350 |
| 13 monthsNon-renewable. Penalty for early withdrawal | 4.00% | $434 |
| 24 monthsEligible to adjust to higher current rate one time during certificate term. Penalty for early withdrawal | 3.55% | $723 |
| 25 monthsNon-renewable. Penalty for early withdrawal | 3.80% | $808 |
| 36 monthsEligible to adjust to higher current rate one time during certificate term. Penalty for early withdrawal | 3.25% | $1,007 |
| 48 monthsEligible to adjust to higher current rate one time during certificate term. Penalty for early withdrawal | 3.10% | $1,299 |
| 60 monthsEligible to adjust to higher current rate one time during certificate term. Penalty for early withdrawal | 3.15% | $1,677 |
Sources (2)
- firstcentralcu.com/accounts/pe…ement-accounts-iras.html
- firstcentralcu.com/accounts/pe…/share-certificates.html
All captured Oct 6, 2026
Save to Win
1.00%APY · 1 term
Start a saving certificate with $25 and enter to win monthly ($100 local prize) and quarterly (up to $5,000) prizes with each $25 deposit. Provides one withdrawal per 12-month term with a $25 fee. Renews automatically at maturity with no penalty at maturity to close account or withdraw savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo monthly service fee. One withdrawal per 12-month term with a $25 fee. Automatic renewal at maturity | 1.00% | $100 |
Sources (1)
- firstcentralcu.com/accounts/pe…savings/save-to-win.html · captured Oct 6, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 3.55%APY · 6 terms
Available for Traditional and Roth IRAs. $1,000 minimum deposit to open. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.00% | $149 |
| 12 monthsPenalty for early withdrawal | 3.50% | $350 |
| 24 monthsPenalty for early withdrawal | 3.55% | $723 |
| 36 monthsPenalty for early withdrawal | 3.25% | $1,007 |
| 48 monthsPenalty for early withdrawal | 3.10% | $1,299 |
| 60 monthsPenalty for early withdrawal | 3.15% | $1,677 |
Sources (1)
- firstcentralcu.com/accounts/pe…ement-accounts-iras.html · captured Oct 6, 2026
Who can join First Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, and San Saba counties are eligible for membership.
- Individuals who live, work, or worship in Hill or Brown Counties are eligible for membership.
- Individuals who live or work in McLennan County are eligible for membership.
Employers and groups
- Employees of select employment groups are eligible for membership.
Family and household
- Individuals who have an eligible family member who is a member of First Central Credit Union are eligible for membership.
Cost to join
- New members are required to open a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.