Credit union · NCUA insured
First Service Credit Union
Top CarrotA $1.5B credit union, the 338th largest of 4,329, headquartered in Houston, TX, with 108,239 members and 14 branches in Texas. Best rates: CDs 3.70% and savings 1.00% APY.
First Service Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#29 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Service Credit Union
First Service Credit Union is a member-owned credit union headquartered in Houston, Texas.
- Headquarters
- 16430 Park Ten Pl, Houston, TX 77084-5056
- NCUA charter
- 68605
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or study in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD are eligible for membership.
Employers and groups
- Employees of select employee groups including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan are eligible for membership.
Family and household
- Individuals related to an existing First Service member are eligible for membership.
Other ways
- Individuals who make a donation to the You First Foundation are eligible for membership.
Branches
14 branches in Texas
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Texas
14 branches
Houston area · 13
- Park Ten BranchMain office16430 Park Ten Pl, Houston, TX 77084Directions
- Eldridge Branch1805 Eldridge Pkwy, Houston, TX 77077Directions
- Galleria Branch3390 Sage Rd, Houston, TX 77056Directions
- Gulf Freeway Branch8980 Clearwood Dr, Houston, TX 77075Directions
- Northwest Branch9621 W Sam Houston Pkwy N, Houston, TX 77064Directions
- Shell Woodcreek Branch150 N Dairy Ashford Rd, Suite E0170, Houston, TX 77079Directions
- Tunnels Branch910 Louisiana St, Houston, TX 77002Directions
- Atascocita Branch7720 FM 1960 Rd E, Humble, TX 77346Directions
- Katy Branch23665 Katy Freeway, Katy, TX 77494Directions
- Spring Cypress Branch8640 Spring Cypress Rd, Spring, TX 77379Directions
- Sugar Land Branch3601 Highway 6, Sugar Land, TX 77478Directions
- University Branch13533 University Boulevard, Suite 400, Sugar Land, TX 77479Directions
- Woodlands Branch9110 Grogans Mill RD, The Woodlands, TX 77380Directions
Bay City area · 1
- STP Branch12090 FM 521, Wadsworth, TX 77483Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.94% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.62% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.49% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio10.94%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.62%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Service Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.