Credit union · NCUA insured
First Central Credit Union Credit Card Rates
First Central Credit Union credit card rates start at 11.24% APR. Rates checked October 16, 2026.
How First Central Credit Union’s credit card rates compare
Compared with banks and credit unions near Waco, TX, where First Central Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Central Credit Union
– –
No ongoing APR published
Lowest rate
GENCO Federal Credit Union
7.90%APR
2nd-lowest rate
Educators Credit Union
9.75%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Lifestyle Credit Card
The APRs will vary with the market based on the Prime Rate. Introductory APR for six (6) months, after which APR is based on creditworthiness. No annual fee. No balance transfer fee. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 8.90% | None | 8.90% introductory APR for six (6) months. |
| Ongoing | 11.49%–18.00% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
| Intro, 6 months | 8.90% | None | 8.90% introductory APR for six (6) months. No balance transfer fee. |
| Ongoing | 13.49%–18.00% | None | After introductory period, APR is based on creditworthiness. No balance transfer fee. |
Sources (2)
- firstcentralcu.com/loans-credi…share-secured-loans.html
- firstcentralcu.com/loans-credit/visa-credit-cards.html
All captured Oct 16, 2026
VISA Credit Card - Premium/Lifestyle
The APRs will vary with the market based on the Prime Rate. Introductory APR for six (6) months, after which APR is based on creditworthiness. No annual fee. No balance transfer fee. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 8.90% | None | 8.90% introductory APR for six (6) months. |
| Ongoing | 11.24%–18.00% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
| Ongoing | 13.24%–18.00% | None | After introductory period, APR is based on creditworthiness. No balance transfer fee. |
Sources (2)
- firstcentralcu.com/loans-credi…share-secured-loans.html
- firstcentralcu.com/loans-credit/visa-credit-cards.html
All captured Oct 16, 2026
VISA Credit Card - Rewards
The APRs will vary with the market based on the Prime Rate. Introductory APR for six (6) months, after which APR is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 8.90% | None | Introductory APR for six (6) months. |
| Ongoing | 12.99%–18.00% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
| Ongoing | 14.99%–18.00% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
Sources (1)
- firstcentralcu.com/loans-credi…share-secured-loans.html · captured Sep 25, 2026
VISA Credit Card - Secured
The APRs will vary with the market based on the Prime Rate. Introductory APR for six (6) months, after which APR is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 8.90% | None | Introductory APR for six (6) months. |
| Ongoing | 15.49% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
| Ongoing | 17.49% | None | After introductory period, APR is based on creditworthiness. Variable rate based on Prime Rate. |
Sources (1)
- firstcentralcu.com/loans-credi…share-secured-loans.html · captured Sep 25, 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.