Bump Up CDs are a great way to start saving now and get more later with a one-time rate bump!
Whether you’re consolidating debt or making home renovations, a home equity loan with First Service will help pave the way for success.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Did you know your First Service membership may help you save on your car insurance? Check out the TruStage Auto Insurance Program to see what you might save.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Join us each month as we explore different financial topics and ways to enhance your financial future.
Over 5,000 shared branches and over 85,000 ATMs mean you have access to your money from coast to coast.
Enjoy 6 months with 0% introductory APR on transfers and purchases.102
Earn 0.50% cash back on purchases.127
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule with 24/7 access to check your balances, make transfers, pay bills, and more.
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy Texas-sized access at over 5,000 credit union branches and over 85,000 AllPoint and CO-OP ATMs nationwide.34
Whether you have great credit or are looking to raise your score, let us help you understand everything there is to know about credit scores.
Read on to learn how using credit cards during the holidays can work to your advantage.
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When you open a new First Service Visa® credit card, six months with the 0% introductory APR period on purchases and transfers will be a standard feature of your account.
Once the introductory period ends, your rate will change to the standard APR (listed above).
To put it simply, credit cards are revolving lines of credit where a borrower uses what they need when they need it, and personal loans are lump-sum amounts that are paid all at once.
To better understand the difference between loan types, and to know when to use each, check out this article on our website.
You can make your monthly credit card payment using our form on FSCU.com, or you can make your payment using First Service Digital Banking by following the steps below:
Transferring a balance to your card is easy with First Service Digital Banking. Simply follow the steps below:
An Authorized Signer is a person that has been designated as having the authority to make charges on your account.
When you add an Authorized Signer to your First Service Visa® credit card, we will send them their own card with their name on it and access to your credit line. They should receive this card within 7 - 10 business days.
It's easy to add an Authorized Signer
First Service Digital Banking. Simply follow these steps:
Adding an Authorized Signer to your First Service Visa® credit card won't negatively impact your credit score or the credit score of the person you are adding. There is no credit pull required for either party. However, heavy card usage can diminish credit availability, which is a factor that influences your credit score.
If you are interested in improving your credit score, we have created a free guide to help you better understand what credit scores are, how they're calculated, and what you can do to improve yours over time.
There are no service charges or hidden fees for adding an Authorized Signer on your First Service Visa® credit card. Taking advantage of this feature won't cost you a thing.
The primary owner of the First Service Visa® credit card is responsible for all charges made on the account and interest accrued from those charges, as laid out in the card's terms. That includes charges made by an Authorized Signer.
If you ever need to dispute a credit card transaction, you can call our team at (713) 676-7777 or visit one of our Houston-area branches to submit your dispute.
You may file a dispute for any of the following reasons:
Please note, disputes may only be made on a transaction made within 60 days of the statement date. A provisional credit will be applied within 10 business days.
If you notice suspicious activity on your credit card, or if you suspect your account or personal information has been compromised, it is important that you notify us as quickly as possible. Please call our team at (713) 676-7777 during business hours or submit a secure request through First Service Digital Banking to notify our team of your concern.
Your security is of highest priority! We are careful to take action steps to ensure your banking security:
Click here to learn more about our security measures.
Normally, you will receive your renewal card in the mail on the third week of the month prior to your card expiration. If you have not received the new card by the third week of the previous month, call our Contact Center at (713) 676-7777 to order a new card.
Your new card should arrive by mail within 7 - 10 business days. If you prefer, you may also visit one of our Houston-area branches for an instant-issue card.
 Credit Card Balance Transfers: APR = Annual Percentage Rate. Certain restrictions, limitations, and exclusions may apply. Transfer requests may be subject to application requirements at the time of transfer. During the introductory period of 0% APR, a balance transfer fee of 5% will be applied to each transfer. After the promo period ends, the standard APR (currently 7.99% – 18.00%) will apply to any remaining balances. Rates vary based on creditworthiness and underwriting factors. See credit card disclosure for complete terms and conditions.
 Cash Back Rewards: Cardholders can earn cash back rewards of 0.5% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns, and adjustments. Cash back rewards for transactions posted before 8:00 p.m. Central Time on the last day of every month will be paid out on the last day of that month as a statement credit in U.S. Dollars and rounded to the nearest cent. Transactions posted after 8:00 p.m. Central Time will be posted on the last day of the following month and appear on the following month’s statement credit. Negative rewards will be held until amounts become positive and can be paid out. Certain transactions do not qualify for cash back rewards. These excluded transactions include cash advances, purchase of gift cards, balance transfers, checks, money orders, account fees or charges, interest charges, and any unauthorized/fraudulent charges. Account must be in good standing and not be delinquent more than 90 days for rewards to be paid out. Rewards do not expire, but unredeemed rewards are forfeited at the time of the account closing. Rewards program is subject to change at any time.
 CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership. Shared ATM access is available to members immediately.
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