The First Central Credit Union All Credit Levels is a cdfi lender from First Central Credit Union. The ongoing APR is 8.9% after a 8.9% introductory rate for 6 months. Rewards: Earn dividends on your balance for banking local.. This product reports activity to your personal credit report. First Central Credit Union, based in Waco, TX, has been serving its members since 1937 by providing a range of financial services and products. The credit union focuses on supporting the local community with accessible banking options and competitive rates. Services include: auto loans, home mortgages, personal loans, home equity loans. US Treasury certified CDFI Credit Union in Waco, TX. Membership required.