Texas Credit Unions
Your One Stop For Banking Rates, Info, Articles, And Useful Tips!
www.Bankrate.com
Your One Stop For Banking Rates, Info, Articles, And Useful Tips!
www.Bankrate.com
0-9
1st Community Federal Credit Union
Membership is available to people who live or work in Tom Green, Schleicher, Coke, Concho, Crockett, Irion, Kimble, McCulloch, Mason, Menard, Reagan, Runnels, Sterling and Sutton counties.
www.1stcommunityfcu.org
Membership is available to people who live or work in Tom Green, Schleicher, Coke, Concho, Crockett, Irion, Kimble, McCulloch, Mason, Menard, Reagan, Runnels, Sterling and Sutton counties.
www.1stcommunityfcu.org
A
Austin Area Teachers Federal Credit Union
Credit union serves public school district and accredited private schools' employees in any of the following ten counties: Travis, Williamson, Caldwell, Burnet, Lampasas, Gillespie, Bastrop, Hays, Blanco and Gonzales counties, as well as the tow...
www.aatfcu.org
Credit union serves public school district and accredited private schools' employees in any of the following ten counties: Travis, Williamson, Caldwell, Burnet, Lampasas, Gillespie, Bastrop, Hays, Blanco and Gonzales counties, as well as the tow...
www.aatfcu.org
Abilene Teachers Federal Credit Union
Membership is available to anyone who is a member of one of the sponsor groups or other select employee groups.
www.abileneteachersfcu.org
Membership is available to anyone who is a member of one of the sponsor groups or other select employee groups.
www.abileneteachersfcu.org
Amarillo Community Federal Credit Union
Membership is open to people who live, work, worship or attend school in Potter or Randall County.
www.acfcu.org
Membership is open to people who live, work, worship or attend school in Potter or Randall County.
www.acfcu.org
Albertsons Employees' Federal Credit Union
Credit union with membership restricted to any employee or retiree of Albertsons Inc. and its affiliations.
www.albertsonsempfcu.com
Credit union with membership restricted to any employee or retiree of Albertsons Inc. and its affiliations.
www.albertsonsempfcu.com
Austin Metropolitan Financial Credit Union
Credit union serving employees of member organizations, as well as residents of Round Rock and San Marcos.
www.amfcu.com
Credit union serving employees of member organizations, as well as residents of Round Rock and San Marcos.
www.amfcu.com
Amoco Federal Credit Union
Membership is open to anyone who works for one of the select member companies.
www.amocofcu.org
Membership is open to anyone who works for one of the select member companies.
www.amocofcu.org
Arlington Federal Credit Union
Credit union serving residents of Arlington, including Pantego and Dalworthington Gardens.
www.arlingtonfcu.org
Credit union serving residents of Arlington, including Pantego and Dalworthington Gardens.
www.arlingtonfcu.org
Austin Telco Federal Credit Union
Membership is open to employees and retirees of certain companies and organizations in the Austin area, as well as individuals living or working in the Cedar Park, Liberty Hill and Leander area communities.
www.atfcu.org
Membership is open to employees and retirees of certain companies and organizations in the Austin area, as well as individuals living or working in the Cedar Park, Liberty Hill and Leander area communities.
www.atfcu.org
B
Beaumont Area Educators Federal Credit Union
Membership is available to anyone who works for or has retired from, one of the select member groups.
www.baefcu.org
Membership is available to anyone who works for or has retired from, one of the select member groups.
www.baefcu.org
Baylor College of Medicine Federal Credit Union
Membership is open to Baylor College of Medicine faculty, staff, students, residents, post-doctoral fellows, employees of BCM Bookstore, Howard Hughes Medical Institute (working at BCM), credit union employees and BCM retirees.
www.bcm.tmc.edu
Membership is open to Baylor College of Medicine faculty, staff, students, residents, post-doctoral fellows, employees of BCM Bookstore, Howard Hughes Medical Institute (working at BCM), credit union employees and BCM retirees.
www.bcm.tmc.edu
Ben E. Keith Employees Federal Credit Union
Provider of financial services and products such as deposit accounts, loans and credit cards.
www.bekefcu.com
Provider of financial services and products such as deposit accounts, loans and credit cards.
www.bekefcu.com
Baker Hughes Federal Credit Union
Provider of deposit accounts, loans and credit cards for members and their families.
www.bhfcu.org
Provider of deposit accounts, loans and credit cards for members and their families.
www.bhfcu.org
Bluebonnet Federal Credit Union
Membership is open to the employees of selected companies.
www.bluebonnet.org
Membership is open to the employees of selected companies.
www.bluebonnet.org
C
Chemcel Employees Federal Credit Union
Membership is offered to the employees of Hoechst-Celanese in Dallas, Houston, Corpus Christi, and Bishop.
www.chemcel.org
Membership is offered to the employees of Hoechst-Celanese in Dallas, Houston, Corpus Christi, and Bishop.
www.chemcel.org
CICOST Federal Credit Union
Membership is available to anyone who work for certain employer groups in the city of Sherman or Grayson County.
www.cicost.com
Membership is available to anyone who work for certain employer groups in the city of Sherman or Grayson County.
www.cicost.com
Citizens Federal Credit Union
Credit union providing deposit accounts, loans and other financial services.
www.citizensfcu.com
Credit union providing deposit accounts, loans and other financial services.
www.citizensfcu.com
Complex Community Federal Credit Union
Membership is open to anyone who lives or works north of University Avenue and within Loop 338, is employed by one of the Select Employee Groups, is a family member of someone who qualifies for membership in one of the previous ways or someone w...
www.comcfcu.com
Membership is open to anyone who lives or works north of University Avenue and within Loop 338, is employed by one of the Select Employee Groups, is a family member of someone who qualifies for membership in one of the previous ways or someone w...
www.comcfcu.com
Concho Educators Federal Credit Union
Individuals employed by certain educational institutions and employee groups, as well as their immediate family members, are eligible to join the credit union.
www.conchoeducators.org
Individuals employed by certain educational institutions and employee groups, as well as their immediate family members, are eligible to join the credit union.
www.conchoeducators.org
Cy-Fair Federal Credit Union
Membership is open to all employees of the Cypress-Fairbanks Independent School District.
www.cyfairfcu.org
Membership is open to all employees of the Cypress-Fairbanks Independent School District.
www.cyfairfcu.org
D
DuPont Beaumont Federal Credit Union
Credit union serving select employment groups and residents of Jefferson and Hardin counties.
www.dbfcu.com
Credit union serving select employment groups and residents of Jefferson and Hardin counties.
www.dbfcu.com
DuPont SRW Employees Federal Credit Union
Employees of the following companies are eligible for membership: DuPont SRW, Conoco, DuPont Employees Recreational Association, KENCO Group, Inc., Sentinel Transportation Company, Inc. and DuPont SRW Employees Federal Credit Union.
www.dsrwefcu.org
Employees of the following companies are eligible for membership: DuPont SRW, Conoco, DuPont Employees Recreational Association, KENCO Group, Inc., Sentinel Transportation Company, Inc. and DuPont SRW Employees Federal Credit Union.
www.dsrwefcu.org
Dyess Federal Credit Union
Credit union providing checking accounts, saving plans and loans to members.
www.dyessfcu.com
Credit union providing checking accounts, saving plans and loans to members.
www.dyessfcu.com
E
El Paso Employees Federal Credit Union
Provider of financial services and products to its members.
www.epefcu.org
Provider of financial services and products to its members.
www.epefcu.org
F
First Abilene Federal Credit Union
Credit union serving anyone who is employed by, retired from or a member of select organizations.
www.firstabilenefcu.org
Credit union serving anyone who is employed by, retired from or a member of select organizations.
www.firstabilenefcu.org
Fort Worth T & P Federal Credit Union
Credit union that provides a service for reordering checks online.
www.fwtpfcu.org
Credit union that provides a service for reordering checks online.
www.fwtpfcu.org
G
Gulf Coast Educators Federal Credit Union
Membership includes employees of certain educational facilities that are listed in the field of membership.
www.gcefcu.org
Membership includes employees of certain educational facilities that are listed in the field of membership.
www.gcefcu.org
Government Employees Federal Credit Union
Credit union serving employees of the US government living or working in Travis County, field employees of US government agencies headquartered in Austin and civil service employees of military bases in Austin.
www.gefcu-austin.org
Credit union serving employees of the US government living or working in Travis County, field employees of US government agencies headquartered in Austin and civil service employees of military bases in Austin.
www.gefcu-austin.org
GENCO Federal Credit Union
Credit union serving anyone who lives or works in McLennan and Angelina counties.
www.gencofcu.org
Credit union serving anyone who lives or works in McLennan and Angelina counties.
www.gencofcu.org
Guadalupe Valley Electric Cooperative
Electricity cooperative serving accounts throughout Gonzales, Guadalupe, Lavaca and Wilson counties. Also serves parts of Bexar, Caldwell, Karnes and DeWitt counties.
www.gvec.org
Electricity cooperative serving accounts throughout Gonzales, Guadalupe, Lavaca and Wilson counties. Also serves parts of Bexar, Caldwell, Karnes and DeWitt counties.
www.gvec.org
H
Harris County Federal Credit Union
Membership is available to employees and volunteers of Harris County, employees of Harris County Children's Protective Service who work in Harris County and employees of Harris County Federal Credit Union.
www.hcfcu.com
Membership is available to employees and volunteers of Harris County, employees of Harris County Children's Protective Service who work in Harris County and employees of Harris County Federal Credit Union.
www.hcfcu.com
Hoodview Federal Credit Union
Membership is available to any person living, working, worshipping or attending school in Bell or Coryell County.
www.hoodview.org
Membership is available to any person living, working, worshipping or attending school in Bell or Coryell County.
www.hoodview.org
Heart O' Texas Federal Credit Union
Credit union serving all active duty personnel of the US government who have commissary and post exchange privileges as well as retired annuitants. Also serves federal government employees working or headquartered in Hill, Bosque, Coryell, Limes...
www.hotfcu.com
Credit union serving all active duty personnel of the US government who have commissary and post exchange privileges as well as retired annuitants. Also serves federal government employees working or headquartered in Hill, Bosque, Coryell, Limes...
www.hotfcu.com
Houston Federal Credit Union
Credit union provides financial services for Fluor Daniel, Compaq Computer and many other employers.
www.houstonfcu.org
Credit union provides financial services for Fluor Daniel, Compaq Computer and many other employers.
www.houstonfcu.org
Houston Police Federal Credit Union
Membership is available to the men and women in the law enforcement profession and their families.
www.hpfcu.org
Membership is available to the men and women in the law enforcement profession and their families.
www.hpfcu.org
Houston Texas Fire Fighters Federal Credit Union
Membership is open to past and present City of Houston Fire Fighters and their family members.
www.htfffcu.org
Membership is open to past and present City of Houston Fire Fighters and their family members.
www.htfffcu.org
Huntsman Federal Credit Union
Membership is open to employees in Selected Employer Groups.
www.huntsmanfcu.org
Membership is open to employees in Selected Employer Groups.
www.huntsmanfcu.org
I
IBEW Local 479 Federal Credit Union
Credit union serving dues-paying members of IBEW Local Union 479, employees of IBEW Local 479 and others.
www.ibewfcu.com
Credit union serving dues-paying members of IBEW Local Union 479, employees of IBEW Local 479 and others.
www.ibewfcu.com
Southwest IBM Employees Federal Credit Union
Credit union providing membership to employees of International Business Machines who work in the states of Texas, Oklahoma, Arkansas and Louisiana.
www.ibmswfcu.org
Credit union providing membership to employees of International Business Machines who work in the states of Texas, Oklahoma, Arkansas and Louisiana.
www.ibmswfcu.org
IBM Texas Employees Federal Credit Union
Credit union serving employees and retirees of International Business Machines, as well as employees of Premier Business Partners.
www.ibmtxefcu.org
Credit union serving employees and retirees of International Business Machines, as well as employees of Premier Business Partners.
www.ibmtxefcu.org
J
JSC Federal Credit Union
Financial institution serving the Johnson Space Center and the surrounding communities.
www.jscfcu.org
Financial institution serving the Johnson Space Center and the surrounding communities.
www.jscfcu.org
L
Las Colinas Federal Credit Union
Credit union providing membership to employees of one of the sponsor companies.
www.lascolinasfcu.com
Credit union providing membership to employees of one of the sponsor companies.
www.lascolinasfcu.com
Liberty County Teachers Credit Union
Credit union offering financial services to the teachers of Liberty County.
www.libertycu.com
Credit union offering financial services to the teachers of Liberty County.
www.libertycu.com
M
Mountain Star Federal Credit Union
Credit union serving the financial needs of west Texas and southern New Mexico.
www.mountainstarfcu.org
Credit union serving the financial needs of west Texas and southern New Mexico.
www.mountainstarfcu.org
Mid-Tex Federal Credit Union
Credit union providing membership to any resident of Brown County.
www.mtfcu.org
Credit union providing membership to any resident of Brown County.
www.mtfcu.org
N
Navy Army Federal Credit Union
Credit union serving civilian and active duty military personnel, members of the US Armed Forces and employees of the State of Texas.
www.navyarmyfcu.com
Credit union serving civilian and active duty military personnel, members of the US Armed Forces and employees of the State of Texas.
www.navyarmyfcu.com
Neches Federal Credit Union
Membership is open to anyone who lives, works, worships or attends school in Nederland, Port Neches or Groves.
www.nechescu.org
Membership is open to anyone who lives, works, worships or attends school in Nederland, Port Neches or Groves.
www.nechescu.org
O
Omni American Federal Credit Union
Membership is open to employees of companies within the field of membership.
www.omnifcu.org
Membership is open to employees of companies within the field of membership.
www.omnifcu.org
P
Plains Bell Federal Credit Union
Credit union serving the financial needs of Amarillo and the surrounding areas.
www.plainsbellfcu.org
Credit union serving the financial needs of Amarillo and the surrounding areas.
www.plainsbellfcu.org
Port Terminal Railroad Association
Association serving all of the railroads coming into Houston.
www.ptra.com
Association serving all of the railroads coming into Houston.
www.ptra.com
R
Resource One Credit Union
Credit union serving select employee groups of member companies.
www.r1cu.org
Credit union serving select employee groups of member companies.
www.r1cu.org
Rohm & Haas Monument Area Federal Credit Union
Credit union providing membership to select employee groups.
www.rhmafcu.org
Credit union providing membership to select employee groups.
www.rhmafcu.org
S
San Antonio Federal Credit Union
Membership is available to people who live in the San Antonio area and are employed by the Local, State or Federal Government; are students at a post secondary educational institution or are employed by a financial institution.
www.sacu.com
Membership is available to people who live in the San Antonio area and are employed by the Local, State or Federal Government; are students at a post secondary educational institution or are employed by a financial institution.
www.sacu.com
San Angelo Federal Credit Union
Credit union providing membership to employees of the City of San Angelo, Tom Green County, Coca-Cola, Public Housing, Fairmount Cemetery and other select organizations.
www.safcu.com
Credit union providing membership to employees of the City of San Angelo, Tom Green County, Coca-Cola, Public Housing, Fairmount Cemetery and other select organizations.
www.safcu.com
San Antonio Telephone Federal Credit Union
Credit union providing membership to individuals belonging to select employer groups.
www.satfcu.org
Credit union providing membership to individuals belonging to select employer groups.
www.satfcu.org
Shamrock Federal Credit Union
Credit union is open for membership to employees and retired employees of Ultramar Diamond Shamrock, Midgard, Maxus and other select groups.
www.shamrockfcu.com
Credit union is open for membership to employees and retired employees of Ultramar Diamond Shamrock, Midgard, Maxus and other select groups.
www.shamrockfcu.com
Share Plus Federal Credit Union
Credit union providing membership to employees of Frito-Lay, Pizza Hut, Tricon, Taco Bell, KFC and PepsiCo.
www.shareplus.com
Credit union providing membership to employees of Frito-Lay, Pizza Hut, Tricon, Taco Bell, KFC and PepsiCo.
www.shareplus.com
Shell Federal Credit Union
Membership is open to employees of select employer groups.
www.shellfcu.org
Membership is open to employees of select employer groups.
www.shellfcu.org
Security One Federal Credit Union
Membership is open to anyone who lives, works, worships or goes to school in Arlington.
www.sofcu.org
Membership is open to anyone who lives, works, worships or goes to school in Arlington.
www.sofcu.org
Southern Federal Credit Union
Financial institution that serves the banking needs of the Houston area.
www.southernfederalcu.org
Financial institution that serves the banking needs of the Houston area.
www.southernfederalcu.org
Security Service Federal Credit Union
Groups eligible for membership include: military or Department of Defense, Department of Defense Retirees, FiftyPlus Club, Inc., Methodist Church Members/Employees (TX, Catholic Church Members (CO)and Select Groups in SSFCU's Field of Membership...
www.ssfcu.org
Groups eligible for membership include: military or Department of Defense, Department of Defense Retirees, FiftyPlus Club, Inc., Methodist Church Members/Employees (TX, Catholic Church Members (CO)and Select Groups in SSFCU's Field of Membership...
www.ssfcu.org
South Texas Federal Credit Union
Credit union providing membership to administrators, aides, teachers, maintenance, staff members and pupils of local school districts and schools.
www.stfcu.com
Credit union providing membership to administrators, aides, teachers, maintenance, staff members and pupils of local school districts and schools.
www.stfcu.com
Southwest Corporate Federal Credit Union
Credit union that serves member credit unions nationwide.
www.swcorp.org
Credit union that serves member credit unions nationwide.
www.swcorp.org
Southwest Research Center Federal Credit Union
Credit union providing membership to Southwest Research Center employees and their family.
www.swrcfcu.com
Credit union providing membership to Southwest Research Center employees and their family.
www.swrcfcu.com
T
Association for Computer Educators in Texas
Association aimed at promoting computer education in Texas.
www.texasacet.org
Association aimed at promoting computer education in Texas.
www.texasacet.org
Texas Federal Credit Union
Credit union providing membership to select employer groups in Dallas, Grand Prairie and Mesquite.
www.texfed.com
Credit union providing membership to select employer groups in Dallas, Grand Prairie and Mesquite.
www.texfed.com
Texoma Federal Credit Union
Regional financial institution that provides banking services.
www.texomafcu.com
Regional financial institution that provides banking services.
www.texomafcu.com
Texaco Community Federal Credit Union
Credit union serving the residents of Jefferson, Orange or Hardin counties.
www.tfcu.com
Credit union serving the residents of Jefferson, Orange or Hardin counties.
www.tfcu.com
Texas Associations of Professionals Federal Credit Union
Credit union providing membership to realtors, builders and independent insurance agents.
www.thecreditunion.com
Credit union providing membership to realtors, builders and independent insurance agents.
www.thecreditunion.com
People's Federal Credit Union
Membership is available to people employed by or members of companies in the field of membership.
www.tpfcu.com
Membership is available to people employed by or members of companies in the field of membership.
www.tpfcu.com
Texas Transportation Federal Credit Union
Credit union providing membership to select employees of the Texas Department of Transportation.
www.ttfcu.com
Credit union providing membership to select employees of the Texas Department of Transportation.
www.ttfcu.com
U
Union Fidelity Federal Credit Union
Credit union providing membership to employees of select member groups.
www.unionfidelityfcu.com
Credit union providing membership to employees of select member groups.
www.unionfidelityfcu.com
USAA Federal Credit Union
Membership is available to the employees of United Services Automobile Association, USAA Real Estate Company, USAA Federal Savings Bank, ARAMARK, Americhem Company and Otis Elevator Company, who work in or are paid from San Antonio.
www.usaafcu.org
Membership is available to the employees of United Services Automobile Association, USAA Real Estate Company, USAA Federal Savings Bank, ARAMARK, Americhem Company and Otis Elevator Company, who work in or are paid from San Antonio.
www.usaafcu.org
USI Federal Credit Union
Credit union that provides membership to eligible employees.
www.usifcu.com
Credit union that provides membership to eligible employees.
www.usifcu.com
V
Valley Federal Credit Union
Credit union providing membership to employees of the US goverment who work in, are stationed in, or are supervised from Cameron and Willacy counties.
www.vfcu.net
Credit union providing membership to employees of the US goverment who work in, are stationed in, or are supervised from Cameron and Willacy counties.
www.vfcu.net
W
Waco Federal Credit Union
Member-owned credit union providing savings and loans services.
www.wacofcu.org
Member-owned credit union providing savings and loans services.
www.wacofcu.org
Walker County Federal Credit Union
Membership is open to all persons who live, work or worship in Walker County and their immediate family members.
walkercountyfcu.com
Membership is open to all persons who live, work or worship in Walker County and their immediate family members.
walkercountyfcu.com
Wichita Falls Teachers Federal Credit Union
Credit union membership is open to employees of primary and secondary public schools in Wichita County.
www.wftfcu.com
Credit union membership is open to employees of primary and secondary public schools in Wichita County.
www.wftfcu.com
Texas Credit Unions
Your One Stop For Banking Rates, Info, Articles, And Useful Tips!
www.Bankrate.com
Your One Stop For Banking Rates, Info, Articles, And Useful Tips!
www.Bankrate.com
Banks are good, but government credit unions in Texas may be better. A credit union is owned and managed by its depositors, meaning you (the account holder) have a say in how to run the company. Each member of a credit union gets one vote at the annual election of the Board of Directors.
Government chartered credit unions in Texas are non-profit entities. This allows them to operate at a lower cost than traditional banks. Credit unions pass savings to you in the form of higher savings account rates and lower loan interest rates. When choosing a Texas federal credit union, consider:
1. The advantages of a Texas federally chartered credit union over a traditional credit union
2. Eligibility requirements to join Texas federal credit unions
3. Major players among federal credit unions in Texas
Action Steps
The best contacts and resources to help you get it done
Learn about the advantages and disadvantages of Texas federally chartered credit unions
According to the National Credit Union Administration (NCUA), a federally chartered credit union is a 'financial cooperative chartered by the federal government and owned by its members...Surplus income is returned to members in the form of dividends.' A federal credit union has more protections than 'regular' credit unions. Examples include more frequent audits of financial records, mandatory reserves to offset uncollectible loans, control of investments of surpluses and annual exams by the NCUA. The National Credit Union Share Insurance Fund (NCUSIF) bonds accounts in federal credit unions up to $100,000. The primary disadvantage of a credit union is that membership is limited to groups of people with a common bond such as the same employer, association or area of residence.
I recommend: Visit the NCUA website (part of the government entity Pueblo). Learn how the NCUSIF protects your credit union deposits.
Meet eligibility requirements to join a Texas federally chartered credit union
Visit a prospective credit union's website or call to find out the requirements for joining. Requirements vary widely based on the credit union's federal charter. For example, the Dallas Credit Union is restricted to those who live, work, study or worship in the Downtown Dallas area and their immediate family members.
I recommend: Visit the Dallas Credit Union to see if you meet its eligibility requirements.
Compare and contrast a few players among federal credit unions in TX
The Greater Texas Federal Credit Union is one of the largest federally chartered credit unions in the state. It allows 'persons who live, work, worship or attend school in, and do business in and other legal entities located in the Bryan-College Station, Bastrop, East or Central Travis County, Central Hidalgo County, Central Harris County, and portions of Tarrant and Dallas County areas' to join. This organization offers a variety of loans (auto, home, personal, student and credit cards), checking and savings accounts, credit counseling and online banking. The Texas Government Employees Federal Credit Union is open to government employees who live or work in Travis County or the city of Austin; those living on military bases near Austin; friends of the Austin Public Library; and members of specific companies, associations and community groups. This credit union offers services not only to individuals, but also to businesses and offers online banking, loans, traveler's checks and servic
I recommend: Visit the National Credit Union Administration to search for federally chartered credit unions in Texas. See if you qualify to join the Greater Texas Federal Credit Union or the Government Employees Federal Credit Union.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Shop around. As a resident or business owner in the state of Texas, you may qualify to join more than one federally chartered credit union in Texas. Make sure to compare interest rates for loans and savings accounts to get the best bang for your buck when investigating local federal credit unions in Texas.
