Average User Rating:1 star rating based on 7 reviews.
InTouch Credit Union
InTouch Credit Union Locations|
5640 Democracy Dr Plano, TX 75024 214-291-1776 www.itcu.org  |
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InTouch Credit Union is headquartered in Plano and is the 17st largest credit union in the state of Texas. It is also the 250th largest credit union in the nation. It was established in 1974 and as of December of 2012, it had grown to 155 employees and 75,242 members. InTouch Credit Union has a 4-star health rating.
See Rates for: Checking | Savings | Money Market | CD | IRA
InTouch Credit Union Checking Account Rates
InTouch Credit Union Savings Account Rates
InTouch Credit Union Money Market Rates
InTouch Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.05% | $95k | - | 60 Month Jumbo CD | |
| 1.05% | $95k | - | Business 60 Month Jumbo CD | |
| 1.00% | $1k | $95k | 60 Month CD | |
| 1.00% | $1k | $95k | Business 60 Month CD | |
| 0.70% | $95k | - | 48 Month Jumbo CD | |
| 0.70% | $95k | - | Business 48 Month Jumbo CD | |
| 0.65% | $1k | $95k | 48 Month CD | |
| 0.65% | $1k | $95k | Business 48 Month CD | |
| 0.55% | $95k | - | 36 Month Jumbo CD | |
| 0.55% | $95k | - | Business 36 Month Jumbo CD | |
| 0.50% | $1k | $95k | 36 Month CD | |
| 0.50% | $1k | $95k | Business 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 | $95k | 24 Month CD | |
| 0.30% | $1k | $95k | 30 Month CD | |
| 0.30% | $1k | $95k | Business 24 Month CD | |
| 0.30% | $1k | $95k | Business 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 | $95k | 12 Month CD | |
| 0.20% | $1k | $95k | 18 Month CD | |
| 0.20% | $1k | $95k | Business 12 Month CD | |
| 0.20% | $1k | $95k | Business 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 | $95k | 3 Month CD | |
| 0.05% | $1k | $95k | 6 Month CD | |
| 0.05% | $1k | $95k | Business 3 Month CD | |
| 0.05% | $1k | $95k | Business 6 Month CD |
InTouch Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.05% | $95k | - | 60 Month Jumbo IRA | |
| 1.05% | $95k | - | 60 Month Jumbo Roth IRA | |
| 1.05% | $95k | - | 60 Month Jumbo CESA | |
| 1.00% | $1k | $95k | 60 Month IRA | |
| 1.00% | $1k | $95k | 60 Month Roth IRA | |
| 1.00% | $1k | $95k | 60 Month CESA | |
| 0.70% | $95k | - | 48 Month Jumbo IRA | |
| 0.70% | $95k | - | 48 Month Jumbo Roth IRA | |
| 0.70% | $95k | - | 48 Month Jumbo CESA | |
| 0.65% | $1k | $95k | 48 Month IRA | |
| 0.65% | $1k | $95k | 48 Month Roth IRA | |
| 0.65% | $1k | $95k | 48 Month CESA | |
| 0.55% | $95k | - | 36 Month Jumbo IRA | |
| 0.55% | $95k | - | 36 Month Jumbo Roth IRA | |
| 0.55% | $95k | - | 36 Month Jumbo CESA | |
| 0.50% | $1k | $95k | 36 Month IRA | |
| 0.50% | $1k | $95k | 36 Month Roth Roth IRA | |
| 0.50% | $1k | $95k | 36 Month CESA | |
| 0.35% | $95k | - | 24 Month Jumbo IRA | |
| 0.35% | $95k | - | 30 Month Jumbo IRA | |
| 0.35% | $95k | - | 24 Month Jumbo Roth IRA | |
| 0.35% | $95k | - | 30 Month Jumbo Roth IRA | |
| 0.35% | $95k | - | 24 Month Jumbo CESA | |
| 0.35% | $95k | - | 30 Month Jumbo CESA | |
| 0.30% | $1k | $95k | 24 Month IRA | |
| 0.30% | $1k | $95k | 30 Month IRA | |
| 0.30% | $1k | $95k | 24 Month Roth IRA | |
| 0.30% | $1k | $95k | 30 Month Roth IRA | |
| 0.30% | $1k | $95k | 24 Month CESA | |
| 0.30% | $1k | $95k | 30 Month CESA | |
| 0.25% | $95k | - | 12 Month Jumbo IRA | |
| 0.25% | $250 | - | Youth/Young Adult 12-Month IRA Certificate | |
| 0.25% | $95k | - | 18 Month Jumbo IRA | |
| 0.25% | $95k | - | 12 Month Jumbo Roth IRA | |
| 0.25% | $250 | - | Youth/Young Adult 12-Month Roth IRA Certificate | |
| 0.25% | $95k | - | 18 Month Jumbo Roth IRA | |
| 0.25% | $95k | - | 12 Month Jumbo CESA | |
| 0.25% | $250 | - | Youth/Young Adult 12-Month CESA Certificate | |
| 0.25% | $95k | - | 18 Month Jumbo CESA | |
| 0.20% | $1k | $95k | 12 Month IRA | |
| 0.20% | $1k | $95k | 18 Month IRA | |
| 0.20% | $1k | $95k | 12 Month Roth IRA | |
| 0.20% | $1k | $95k | 18 Month Roth IRA | |
| 0.20% | $1k | $95k | 12 Month CESA | |
| 0.20% | $1k | $95k | 18 Month CESA | |
| 0.10% | $95k | - | 3 Month Jumbo IRA | |
| 0.10% | $95k | - | 6 Month Jumbo IRA | |
| 0.10% | $95k | - | 3 Month Jumbo Roth IRA | |
| 0.10% | $95k | - | 6 Month Jumbo Roth IRA | |
| 0.10% | $95k | - | 3 Month Jumbo CESA | |
| 0.10% | $95k | - | 6 Month Jumbo CESA | |
| 0.05% | $1k | $95k | 3 Month IRA | |
| 0.05% | $1k | $95k | 6 Month IRA | |
| 0.05% | $1k | $95k | 3 Month Roth IRA | |
| 0.05% | $1k | $95k | 6 Month Roth IRA | |
| 0.05% | $1k | $95k | 3 Month CESA | |
| 0.05% | $1k | $95k | 6 Month CESA |
Rates updated: 5/20/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
4 out of 5 
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Intouch Is WAY Out Of Touch!
- AnnonnImuss - Sunday, August 19, 2012 - 12:40 PMI 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 fees...like a credit union should...now 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!!!
8
WHAT A SCAM...WORST CREDIT UNION EVER
- gwt - Sunday, August 12, 2012 - 3:12 PMI 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!!
8
Shop Elsewhere!!!
- datravster - Saturday, June 30, 2012 - 12:20 PMFees 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!!!
8
Dropping This Bank ASAP
- InTouchCust2007 - Thursday, June 28, 2012 - 3:00 PMInTouch Credit Union (formally EDS Credit Union) *was* in the past an excellent bank to deal with. They are no longer.
I'm an online customer, I started off as a mail customer. EDS was my company at the time and InTouch (EDSCU) was my company's CU and offered good rates to employees. It seemed natural to go with them. Since they broke off into INTouch CU their fees have flown out of control and the people who work there have forgotten that the word 'customer' is part of "customer service". Apparently they can do just fine without us...
Back in Oct 2011 ITCU sent home a mailing detailing new fees - lots of them that were being added come spring 2012. I don't need reading glasses, but the print was tiny and I admit I had trouble reading it. I remember scanning the info, but missed the one line stating a change to my $50 minimum daily balance savings account would change to a daily average balance of $250, otherwise encur a fee. That's a 500% increase on an account who's only purpose when it was opened was to feed my loan automatically for a quarter of a percent reduction on my loan rate (as suggested by the rep who opened it for me back in 2008.) No other information regarding this change was sent to me online or via mail.
I've been trained as a customer service rep and know what one should and should not say in any conversation either to the cllient or back to the service agent. The rep I spoke to today was rude beyond belief placing blame on me for the fees and not offering anything positive to help retain me as a customer. I was not asking for refunds on the fees, just a polite conversation explaining the fees and ways to avoid them in the future and hopeful outlook so we might continue to to business with loans. His attitude reflects on ITCU and their attitude toward the customers. I think it's worth repeating here - I was not looking to have the fees refunded... I knew I messed up, simply and calmly asked for some explainations regarding my accounts and how to keep the fees from accruing in the future. What I got back instead was an earful of anger. I dont need or want that in my bank.
Although I still have just over a year to go on my loan, I'll be paying this loan off this month and closing both accounts down. Good bye Intouch CU.
8
ONE ATM. ONE! And It's Always Broken!!
- WilleyNilly - Wednesday, February 20, 2013 - 3:03 PMI am forced to use this credit union as part of a co-op service with an out-of-state credit union. I have been so upset for driving out of my way so many times when their ATM is out of service and it takes days on end to get it fixed. As of today February 20, 2013 their ATM has been out of service for at least five days. I spent 26 minutes on hold waiting to speak to a service agent to see if the ATM was fixed before driving out of my way to go there. The entire building is also surrounded by double speed bumps so if your car doesn't have at least an 8 inch clearance you can't even go into the parking lot. Be ready for whiplash! I also received a quote for a car loan that was twice the APR of our other credit union. The loan rep complained the entire time that she was supposed to be off work (it was 3pm), and that we were lucky she stayed for us while her boss was late getting back from lunch. This entire place is ridiculous!!! RUN. FAR. AWAY!!!!!
3
Very Disappointed In Intouch!
- customer55 - Monday, January 14, 2013 - 8:07 PMHad been a very happy customer until the recent account changes.
I can understand the need to charge more fees if needed, but InTouch is making its customers change their account numbers! This means the customer has to order new checks, change payment credit cards accounts, electronic deposts, and numerous other electronic accounts. It's just like changing banks, which is a HUGE hassel!
Am extremely disappointed in InTouch and do NOT recommend them as a place to do business with.
I am pLanning on changing banks sometime this year, as they have lost my trust.
3
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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...