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Savings Accounts

Your Pathway to Future Prosperity Starts Here

The First Service commitment goes beyond regular banking. Rooted in Houston, Texas, we're proud to offer you the opportunity to become not just a customer but a member and part-owner. By starting your journey with a Primary Savings account, you embark on a partnership, paving the way to a range of high-yield savings solutions. Be it a dream car, a secure retirement, or empowering your child's financial future, let's turn your aspirations into reality.
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Savings Accounts FAQs

You can view our current certificate of deposit (CD) rates in two places:

  1. Our Certificate of Deposit Page
  2. Our Rates & Service Charges Page
  1. Once you’ve logged in to digital banking, navigate to Semester Earnings under Accounts in the menu.
  2. Select the youth member whose grades you will be submitting.
  3. Upload the youth member’s report card.
  4. Enter the grades for each subject from the report card.
  5. Click Submit, and the earnings will be submitted to our team to be deposited into your account.
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:

  • Someone else used your card without your permission
  • There was a billing error on your account
  • You cannot resolve a billing issue with a merchant

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.

A debit card draws from money you have available in your checking or qualifying savings account. When you use your debit card, funds are immediately withdrawn from the account indicated checking account.

A credit card is a type of revolving loan that allows you to borrow money from a finite line of credit up to a designated amount. Whatever is spent using a credit card is expected to be paid back according to the terms of the card. Typically, any month when a credit card has an outstanding balance, there will be a payment due.

The maximum daily withdrawal from an ATM is $500.00. If you need to withdraw a greater amount, please call us beforehand at (713) 676-7777 for authorization.

All wires are conducted through First Service Digital Banking or by visiting one of our Houston-area branches.

To send an international wire transfer, you must provide the following Receiving Institution information, the Intermediary Bank information, and the Beneficiary information (the person receiving wire). First Service does not wire finds directly to Foreign institutions and require a Intermediary Bank to send the funds.

  1. Receiving Institution: ABA / Swift number, Bank Name, and Bank Address
  2. Intermediary Institution: ABA / Routing number, Bank Name
  3. Beneficiary: Account number, Name, Address

Wire transfers may incur service charges. Charge details are available in our Service Charge Schedule.

To receive a wire transfer to your First Service account, you must provide the following to the sender:

  • First Service's routing number (313090561)
  • Your 13-digit account number
  • Your name
  • Our name and address:
    First Service Credit Union
    16430 Park Ten Place
    Houston, TX 77084

Incoming wires are processed throughout the day until 5:00 PM CT each business day. Wire transfers may incur service charges. Charge details are available in our Service Charge Schedule.

First Service does not have a SWIFT code. Instead, we have a routing number, 313090561. First Service offers international wire transfers.

Incoming wires are processed throughout the day until 5:00 PM Central Time. Outgoing wires are processed at 10:00 AM, 1:00 PM, and 4:00 PM Central Time each business day. Generally, requests made after 4:00 PM will process the following day.