First Central Credit Union has proudly served the Waco area since 1937. What began as Waco Telco Credit Union, founded by 14 Southwestern Bell Telephone employees, has grown into a trusted community credit union serving members across Central Texas.

Over the years, First Central has expanded through community growth, and a continued commitment to providing safe, competitive financial services. Today, we serve more than 20,000 members with convenient branch locations in Hewitt, Waco, Bellmead, Hillsboro, and Brownwood, along with digital banking tools designed to make managing money easier.

Our mission is to provide valuable financial products and services while making a difference in the communities we serve. From checking accounts and auto loans to mortgages, home equity, credit cards, youth banking, and financial education, First Central is here to support members through every stage of life.

We believe in building lasting relationships and helping members move forward with confidence. Our vision is simple: to make members for life by being the preferred and most trusted resource for financial products and services in the communities we serve.

First Central Credit Union — Everything we do, we do for you.