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Since 1977, First Service Credit Union has been the financial backbone of Houston’s working families, educators, healthcare professionals, and small business owners across Harris, Fort Bend, and Montgomery counties. Today, the First Service Credit Union digital fortress delivers military-grade, encrypted access to your complete financial empire—from everyday checking and high-yield savings to ultra-competitive auto loans, first-time homebuyer mortgages, and full-scale business treasury management—all unified under one secure, member-owned platform. With over $1.8 billion in assets and 130,000+ members, First Service Credit Union combines Texas-sized service with cutting-edge technology, offering real-time control, predictive AI insights, and zero-compromise security across iOS, Android, and desktop environments.
Born in Houston in 1977 to serve employees of the Spring Branch ISD, First Service Credit Union has grown into one of Texas’s most trusted financial institutions, now open to anyone who lives, works, worships, or attends school in the Greater Houston area. The First Service Credit Union online and mobile banking portal is the culmination of over four decades of member-first innovation—delivering a secure, bilingual (English/Spanish), fully compliant digital gateway that empowers members to manage personal checking, youth savings, auto refinancing, jumbo mortgages, and commercial lines of credit with unmatched speed and precision. Unlike big banks, First Service Credit Union operates as a democratic cooperative: every member is an owner with voting rights, profit-sharing dividends, and access to exclusive community reinvestment programs that have distributed over $12 million in local scholarships and small business grants since 2015.
First Service Credit Union integrates enterprise-grade financial instruments directly into its member portal, enabling split-second execution and forensic-level oversight. From Zelle®-powered instant payments to AI-validated mobile check deposits and dynamic card controls, every tool is designed to accelerate your financial goals. Members can deposit checks up to $50,000 via smartphone, transfer between internal accounts with zero latency, and set custom spending limits by merchant category—all within the secure First Service Credit Union ecosystem. The platform also supports Apple Pay, Google Pay, and Samsung Pay, with real-time push notifications for every transaction.
The First Service Credit Union digital onboarding process is engineered for speed, security, and simplicity. New members can join online in under three minutes using a driver’s license or state ID, selfie verification, and a $5 opening deposit into a Prime Share savings account. Once verified, you gain immediate access to the full First Service Credit Union suite: mobile app with Touch ID/Face ID, web portal with dark mode, and 24/7 virtual assistant “FSCU Helper.” Existing members can link external accounts via Plaid, set up recurring transfers, and activate e-Statements—all without ever leaving the First Service Credit Union platform.
First Service Credit Union operates on a zero-trust security architecture backed by annual SOC 2 Type II audits, 24/7 dark web monitoring, and partnerships with Fortinet and Cisco. Every login, transfer, and data query is encrypted end-to-end with 256-bit AES and protected by multi-factor authentication (MFA) including SMS, authenticator apps, and hardware security keys. The First Service Credit Union fraud detection system uses machine learning to analyze over 200 behavioral signals per session, automatically freezing suspicious activity and notifying members via push, email, and phone. All data is stored in Tier IV data centers in Texas with 99.99% uptime.
First Service Credit Union invests over $3 million annually in digital innovation, with quarterly feature releases driven by member feedback collected via in-app surveys and town halls. The 2026 roadmap includes a neural financial advisor powered by generative AI, blockchain-based identity verification, and a small business treasury suite with automated AP/AR and predictive cash flow modeling—all accessible through your First Service Credit Union portal. Members will soon use voice commands in English and Spanish, control the app with hand gestures via smartphone cameras, and integrate with 200+ fintech apps including QuickBooks, Gusto, and Expensify.
Real Houston-area members share how First Service Credit Union transformed their financial lives with local expertise, digital speed, and member-first rates. From teachers in Spring Branch to entrepreneurs in The Woodlands, First Service Credit Union delivers measurable results.
"Refinanced my F-150 at 2.29% APR and saved $127/month—approved in 6 minutes using the First Service Credit Union app!" – Carla D., Katy ISD Educator
"Automated payroll for 42 employees and cut bookkeeping time by 70% with First Service Credit Union business tools." – Miguel S., Cypress Construction Owner
"Closed on my first home in Sugar Land in 17 days with a 2.65% VA loan—all digital via First Service Credit Union." – Nathan L., U.S. Army Veteran
As a not-for-profit cooperative, First Service Credit Union operates with one goal: maximize value for members. That means no shareholder dividends—just lower loan rates, higher savings yields, and profit-sharing bonuses paid annually. In 2024, First Service Credit Union returned $11.2 million to members through reduced fees and enhanced dividends. All digital banking services are free, including mobile deposit, bill pay, and e-Statements.
First Service Credit Union has helped thousands of Texas families and businesses achieve financial milestones. From debt consolidation to commercial expansion, these real member outcomes demonstrate the power of member-owned banking.
The First Service Credit Union analytics engine transforms raw transaction data into actionable intelligence. Members can view 150-day cash flow forecasts, track spending by category with 99.9% AI accuracy, and set custom financial goals with real-time progress bars. Export reports to PDF, CSV, or QuickBooks directly from the First Service Credit Union portal.
The First Service Credit Union Resource Center offers over 200 articles, videos, and interactive tools in English and Spanish. Learn how to boost your credit score, buy a home in Katy, or start a business in The Woodlands—all curated by First Service Credit Union financial educators.
First Service Credit Union offers a robust API suite with Plaid, OAuth2, and sandbox environments for developers. Integrate with QuickBooks, Xero, Gusto, or build custom apps—all while maintaining bank-grade security and member consent.
First Service Credit Union members enjoy fee-free access to over 5,500 CO-OP shared branches and 60,000+ Allpoint ATMs nationwide—including H-E-B, CVS, and Walgreens locations in Houston. The credit union partners with Fortinet for cybersecurity and the NCUA for deposit insurance.
First Service Credit Union employs over 400 Texans across 17 branches and its Houston headquarters. Named a Top Workplace by the Houston Chronicle for five consecutive years, the credit union seeks UX designers, cybersecurity analysts, API developers, and member experience strategists to shape the future of community banking.
First Service Credit Union hosts free monthly webinars in English and Spanish, streamed live from the member portal. Topics include “First-Time Homebuying in Katy,” “Credit Scores 101,” and “Scaling Your Small Business with FSCU.”
Houston-based member service specialists are available Monday–Friday 7 AM–7 PM and Saturday 9 AM–1 PM CT. Contact via secure in-app chat, video call, phone, or schedule a virtual branch appointment—all integrated into the First Service Credit Union platform.
First Service Credit Union is committed to sustainability with paperless statements, solar-powered branches in Katy and Cypress, and a tree-planting partnership with the Arbor Day Foundation. For every new member who goes paperless, First Service Credit Union plants one tree in the Sam Houston National Forest.
Texas media consistently recognizes First Service Credit Union for digital innovation, community impact, and member satisfaction. The credit union boasts a 96% Net Promoter Score and 4.9-star app ratings.
First Service Credit Union is federally insured by the NCUA up to $250,000 per account, with additional private insurance covering business accounts up to $50 million. Annual penetration testing, SOC 2 compliance, and a dedicated fraud response team ensure your money and data are always protected.
First Service Credit Union has earned over 50 industry awards for digital excellence, workplace culture, and community leadership.
Whether you have a question about rates, need help with login, or want to open a business account, the First Service Credit Union team is here. Use secure in-portal messaging, schedule a video call, or submit the form below.
Email: [email protected]
Phone: 713-676-7777
Address: 16430 Park Ten Pl, Houston, TX 77084
First Service Credit Union serves over 8,000 Houston-area businesses with dedicated treasury management, merchant services, and commercial lending up to $10 million. Features include role-based access, ACH origination, positive pay, and remote deposit capture for checks up to $500,000.
First Service Credit Union provides members with proactive tools and education to stay safe online. Enable two-factor authentication, use unique 18+ character passphrases, and never share one-time codes.
The First Service Credit Union mobile app—rated 4.9 stars with over 100,000 downloads—puts full banking power in your pocket. Deposit checks, pay bills, transfer funds, and apply for loans anywhere in Texas.
First Service Credit Union reinvests profits into the communities it serves. Since 2010, the credit union has awarded $12 million in scholarships, sponsored 50+ financial literacy programs in Houston ISD, and planted 45,000 trees.
Join 130,000+ Houston-area members who trust First Service Credit Union for secure, innovative, and community-driven banking. Open your account in under three minutes and start saving today.