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         Spring 2019

Why Pay More? First Central's VISA credit card is a great way to tackle high-rate credit card balances. Now is the time to consolidate debt at our low, low rate. You can start your application today online at Even if you already have our card or you have just received one -- you'll receive 3.9% APR* for 12 months on balance transfers. New card holders will find an introductory offer of 3.9% APR* for 6 months on purchases and there is no annual fee ....  ever.

Why pay more? Balance transfer offer good through March 31, 2019

*APR = Annual Percentage Rate

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Bellmead Branch Is Now Open On Saturdays

For your convenience, the 3100 Bellmead Drive location is now open Saturdays from 9 a.m. to 1 p.m. You will find all the services in the lobby and at the drive-through you enjoy week days.

Like A Boss No Closing Costs
Up to $50,000

A Home Equity Loan allows you to have a cash reserve available whenever you need it. You can keep your "nest egg" money, or savings, in tack while you handle all of life's needs.

Tax Reform 101: 5 Things to Know
Member Discounts on Turbo Tax

With so many changes under the new tax reform law, First Central Credit Union wanted to break down five big changes that may affect you this tax season.

It's Time To Cut The Strings
You deserve a reward

You deserve a reward with no strings attached. First Central members get a $100 cash reward for every new line activated with Sprint, now on unlimited lines! Yep, it really is that simple.

Compare All Your Dream Vehicles
Shopping fun at Auto Buying Central!

The car-shopping process can be daunting, but not with this rapid-fire comparison tool! It provides all the information to help with the decision-making process with side-by-side comparisons on all must have features on your car-buying list. "Compare Vehicles" is found on our website under the “Find a Car” pull-down menu. Experience it!

Community Development Financial Institution Award Goes To FCCU
One of six first-time awardees in U.S.A

First Central Credit Union has been awarded certification as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury. As an official CDFI, First Central's efforts to put the community first and value local, economic growth have been recognized.

Everything We Do, We Do For You
Calendar of Events

You are invited to bring friends and family to a FREE educational workshop, that continues to be popular with attendees. "Unlocking Social Security" presents a wealth of welcomed information well worth your time investment. See more calendar of event dates ...

Are You On Facebook? So Are We.
We invite you to get social

We invite you to like and share our Facebook, Twitter and Instagram posts with your friends and family. It's always fun to share First Central with friends and family!

You can also visit our web sites available in both English and Spanish. You'll find useful product and service information; the ability to interact and request specific materials; and the capability to open an account. Imagine being able to not only begin a loan application online, but you can finish your loan process through an electronic signature. For your convenience a loan payment can be made online using your credit or debit card. We have live chat too!
English Web Site

Spanish Web Site

It's Like Feeling Appreciated
Line your pockets. Not ours.

We Have Great Big Shoes To Fill
"Best of the best" -- our hero Rex

Pictured: Jo Betsy Tyler, Rex Johnson and Eduardo Vazquez ... at tribute event for Johnson's years of service to over 50,000 credit union employees. Eduardo welcomes the opportunity -- to take the tools learned from Johnson -- to be one of the best in his new position as online loan officer. 

April Credit Union Youth Month
Are you a young FCCU member?

Our young members have limitless potential, and First Central wants to be instrumental in helping them achieve it.

How to Prepare for Daylight Saving Time
Getting your body ready for the upcoming time change

With 2019 underway, your thoughts are likely already turning to the start of spring and the return of warmer weather. Before you can bask in the sunshine, there’s one bridge you’ll need to cross: daylight saving time.

What Are Roth IRA Conversions?
The ins and outs of converting your traditional IRA to a Roth IRA

If you’ve been saving for retirement in a traditional individual retirement account, you may have been advised somewhere along your journey to consider the benefits of converting to a Roth IRA.

3 Easy Side Dishes to Make for Easter Dinner
Simple, delicious dishes to complement your Easter dinner

Side dishes often play a supporting role at Easter dinner. With the following recipes, however, your accompaniments will be elevated to star-status.

Minimizing Damage When You’re Upside-Down on Your Car Loan
What to do when you have negative equity

If you unexpectedly need to pay off the entire balance of your car loan, you may face an unsavory bill if you are upside-down on your car loan — known as having negative equity, when you own more than the vehicle is worth.

5 Unique Sports to Try this Spring
Five fun activities that will put some spring in your step

After a cold and lengthy winter season, temperatures start to climb and birds start to sing. If you’ve been feeling cooped up inside your home, spring presents an opportunity to break out of hibernation with a new and exciting sporting activity.

Organizing and Storing Your Online Passwords
Keep your passwords secure and accessible with these storage methods

Considering how connected you are in today’s digital world, it’s important to ensure your online presence is secure with a strong set of passwords.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  

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