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P.O. Box 250169
Plano, TX 75025

InTouch Credit Union is a large credit union headquartered in Plano, Texas, having been originally chartered in 1974. The credit has grown to serve tens of thousands of members located in all 50 states and in various countries all over the world.

ITCU offers depository and loan products and services to provide personal, business, and wealth management banking solutions to meet the needs of its members. On its personal depository banking side, the credit union makes a range of savings account products available, including youth savings, health savings, and money market and certificate accounts. Its certificate account offerings range in term lengths from 3 to 60 months and require a $1000 minimum to open. There is a range of checking account products available, among which are offerings that provide unlimited checks or accounts that are managed exclusively online.

InTouch Credit Union online banking provides 24-hour access to accounts for mobile banking, account management, and QuickBooks through its eBanking platform. The credit union also offers a variety of educational tools and webinars to help members understand products and services related to things like children’s and college students’ savings programs. ITCU’s website also features calculators to help members with budgeting and account rate comparison. The credit union issues loans to both businesses and individuals for vehicles, real estate, equipment, and credit cards.

InTouch Credit Union is a non-federal, state-chartered credit union and is insured by the NCUA. It operates branches in the physical vicinity of the city of Dallas, close to its headquarters.

Field of Membership Restrictions

Eligibility based on various employment, residence, familial and/or 'geographical proximity to branch' factors. - See Details

Be Careful If You Do Not Have Time To Babysit Your Bank!!!!!

We have an account with these people and they recently changed the rules to the accounts by sending out a note in the mail.

They will begin charging for a LONG list of services, not previously charged for and the few optional ones can not be avoided unless you physically go into the bank to get it done.

What was once a good idea, has become a very expensive liability to me, and is now costing time and effort I don't have to go correct a change they decided to make.

If you do not have extra time and energy to babysit your bank, this is not the place for you, as it will not be easy for you to take care of on the phone or online (if you want to do anything online, you have to go into the office first as they do not provide your account number to you through statements or any other means beyond showing up in a branch)...

What a pain...

Intouch Is WAY Out Of Touch!

I am a 15 year customer of InTouch Credit Union, and I'm officially done with them.  Their service has steadily decreased over the years and is now impersonal and often rude!  They close branches left and right last year, including the only California branch (my branch) and several others in order to "cut expenses", and start charging fees for everything that doesn't already have one!  And now as if everyone has forgotten their "need" to cut expenses, they're opening new branches like nothing ever happened!!I wonder how other customers of the California branch feel about that?!  Or the (still unemployed) employees?!  

The last straw happened the other day when I deposited a large check into my account.  I've never written a bad check, and never had a hold on my account...until now.  I was assured that there would be no hold "because of my account standing", so I paid several bills against those funds and thought nothing of it...until I discovered that there WAS a hold on the deposit and now I would also be forced to pay their new and improved (i.e., increased) fees when they were the ones who told me there was no hold!!! 

Hmmm...lemme see.  Used to be friendly and helpful...which has been replaced by indifference and rudeness.  They used to have competitive prices and very few a credit union they charge for everything.  "Cutting expenses" but opening branches, and customer service that is uninformed and comparable to one of the big banks.  Maybe they should change the name from Intouch Credit Union to B of A?!  I'm outta there!!!


I opened an account here in California and they closed the only bank here last year with very little notice. I am now charged for getting my bank statements...Really??? I do keep the min. required balance, but they charged me close to $2.00 for a statement...I called and they told me to sign up for e-statements, the only problem with this is my $2.00 bank statement does NOT have my account # on it, so it makes it impossible to sign up for e-statements. I had to call back and they told me to fax long distance and ask them for it and they would sent it to me in an e-mail...Just give me my account # or at least if you are going to charge me for the statement, put the account # on it. I too work for a bank for over 27 years, never have I seen a bank statement without an account #... How stupid is that. They did tell me I could go into a branch, well HELLO, you closed my branch and I live in California, kinda hard to do that when the closes bank in in Texas. I wish I could close this stupid acct, but I have a loan against my own money. Once I pay it off, I will never do business with this credit union again!!

Shop Elsewhere!!!

Fees are out of control.  When you agree to merge or buyout another company, you should give your customers the courtesy of grandfathering in any perks or lower fees and not just jack up all the fees and rates.  Shame on you!!!



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 InTouch Credit Union had $2.03 million in non-current loans and owned real-estate with $64.67 million in equity and loan loss allowances on hand to cover it. This gives InTouch Credit Union a Texas Ratio of 3.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for InTouch Credit Union experienced no significant changes from 2.77% as of December 31, 2012 to 3.14% as of December 31, 2013, resulting in a negative change of 13.34%. This indicates that the balance sheet and financial strength for InTouch Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, InTouch Credit Union has decreased its total deposits by -$12.46 million, resulting in -1.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth InTouch Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. InTouch Credit Union has $810.46 million in assets with $64.67 million in equity, resulting in a capitalization level of 7.98%, which is below average.

Institution Statistics

NCUA #68505
Year Chartered1974
Primary Regulator
Assets and Liabilities
Assets$810.46 million
Loans$459.42 million
Deposits$665.24 million
Equity Capital$60.20 million
Loan Loss Allowance$4.47 million
Unbacked Noncurrent Loans$2.03 million
Real Estate Owned$0
Historic Data - December 2012
Assets$832.04 million
Equity Capital$67.87 million
Loan Loss Allowance$5.53 million
Unbacked Noncurrent Loans$2.03 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.93%
Return on Assets0.03%
Return on Equity0.37%
Interest Income$24.13 million

Always verify rates and promotions with the bank or credit union. We are not InTouch Credit Union, we are a rate comparison website and can not provide official rates or promotions.

InTouch Credit Union Savings Account Rates

0.25%$100-HSA Checking
0.25%$100-Non-Profit Savings
0.15%--Youth/Young Adult Savings
0.15%--IRA Savings
0.15%--Roth IRA Savings
0.15%--CESA Savings
0.05%--Regular Savings
0.05%-$10kHoliday Club Savings
0.05%$25-Business Regular Savings
0.00%--Business Par Share Savings

InTouch Credit Union Money Market Rates

0.10%$1m-Money Fund Savings
0.10%$1m-Business Money Fund

InTouch Credit Union Checking Account Rates

0.20%$50k-Premium Business Checking
0.15%$5k-Plus Business Checking
0.05%--Regular Business Checking
0.05%$10k-Prime Tiers Checking
0.01%$500-E-ssential Checking
0.01%$1,500-Momentum Checking

InTouch Credit Union CD Rates

1.05%$95k-60 Month Jumbo CD
1.05%$95k-Business 60 Month Jumbo CD
1.00%$1k$95k60 Month CD
1.00%$1k$95kBusiness 60 Month CD
0.70%$95k-48 Month Jumbo CD
0.70%$95k-Business 48 Month Jumbo CD
0.65%$1k$95k48 Month CD
0.65%$1k$95kBusiness 48 Month CD
0.55%$95k-36 Month Jumbo CD
0.55%$95k-Business 36 Month Jumbo CD
0.50%$1k$95k36 Month CD
0.50%$1k$95kBusiness 36 Month CD
0.35%$95k-24 Month Jumbo CD
0.35%$95k-30 Month Jumbo CD
0.35%$95k-Business 24 Month Jumbo CD
0.35%$95k-Business 30 Month Jumbo CD
0.30%$1k$95k24 Month CD
0.30%$1k$95k30 Month CD
0.30%$1k$95kBusiness 24 Month CD
0.30%$1k$95kBusiness 30 Month CD
0.25%$95k-12 Month Jumbo CD
0.25%$95k-18 Month Jumbo CD
0.25%$250-Youth/Young Adult 12-Month Certificate
0.25%$95k-Business 12 Month Jumbo CD
0.25%$95k-Business 18 Month Jumbo CD
0.20%$1k$95k12 Month CD
0.20%$1k$95k18 Month CD
0.20%$1k$95kBusiness 12 Month CD
0.20%$1k$95kBusiness 18 Month CD
0.10%$95k-3 Month Jumbo CD
0.10%$95k-6 Month Jumbo CD
0.10%$95k-Business 3 Month Jumbo CD
0.10%$95k-Business 6 Month Jumbo CD
0.05%$1k$95k3 Month CD
0.05%$1k$95k6 Month CD
0.05%$1k$95kBusiness 3 Month CD
0.05%$1k$95kBusiness 6 Month CD

InTouch Credit Union IRA Rates

1.05%$95k-60 Month Jumbo IRA (Traditional,Roth,CESA)
1.00%$1k$95k60 Month IRA (Traditional,Roth,CESA)
0.70%$95k-48 Month Jumbo IRA (Traditional,Roth,CESA)
0.65%$1k$95k48 Month IRA (Traditional,Roth,CESA)
0.55%$95k-36 Month Jumbo IRA (Traditional,Roth,CESA)
0.50%$1k$95k36 Month IRA (Traditional,Roth,CESA)
0.35%$95k-24 Month Jumbo IRA (Traditional,Roth,CESA)
0.35%$95k-30 Month Jumbo IRA (Traditional,Roth,CESA)
0.30%$1k$95k24 Month IRA (Traditional,Roth,CESA)
0.30%$1k$95k30 Month IRA (Traditional,Roth,CESA)
0.25%$95k-12 Month Jumbo IRA (Traditional,Roth,CESA)
0.25%$250-Youth/Young Adult 12-Month IRA Certificate (Traditional,Roth,CESA)
0.25%$95k-18 Month Jumbo IRA (Traditional,Roth,CESA)
0.20%$1k$95k12 Month IRA (Traditional,Roth,CESA)
0.20%$1k$95k18 Month IRA (Traditional,Roth,CESA)
0.10%$95k-3 Month Jumbo IRA (Traditional,Roth,CESA)
0.10%$95k-6 Month Jumbo IRA (Traditional,Roth,CESA)
0.05%$1k$95k3 Month IRA (Traditional,Roth,CESA)
0.05%$1k$95k6 Month IRA (Traditional,Roth,CESA)

InTouch Credit Union has 18 locations. Click to view all InTouch Credit Union locations.