Amplify Credit Union

Overview / Commentary
3600 W Parmer Ln
Austin, TX 78727

Amplify Credit Union is headquartered in Austin and is the 25th largest credit union in the state of Texas. It is also the 346th largest credit union in the nation. It was established in 1967 and as of March of 2024, it had grown to 201 employees and 51,732 members at 5 locations. Amplify Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Amplify Credit Union offers membership to any Texas resident who joins the Texas Consumer Council, a chapter of the American Consumer Council. Immediate family members of current Amplify Credit Union members also qualify for membership.
See current membership details

Reviews (8)

Great Rates And Service

Over the last 10 years my family has received excellent customer service and the top rates. Would highly recommend Amplify Credit Union.

Amplify Rocks!

Posted by: |

I have been with Amplify for over 25 years. They have great online services and I can do almost everything I want online. Amplify continues to offer very competitive rates and no fees on ATMs anywhere. Not sure what more I could want in a bank. Thank you Amplify for providing such great service to me for so many years.

Response To Previous Review

Posted by: |

We have been working with this member toward resolution of the issue mentioned and apologize for any miscommunication or misunderstandings that may have occurred.  At Amplify we value all of our members, and we’re dedicated to providing exceptional service. We invite this member to please contact our Senior Vice President of Lending, Kendall Garrison, at 512.519.5426 or [email protected] for a resolution.

Best Credit Union I've Had

Posted by: |

I've belong to four different credit unions, three in Austin. Amplify CU is the best of all of them. I rarely have to wait for a teller and they are always helpful. Several employees have been there for many years and they know my name.

I've been a member of Amplify since it was IBM Employees Credit Union and I am happy to recommend it.

Staggeringly Incompetent

Posted by: |

I've been a member since the mid 1990's, and have watched the quality of employees and service continue to deteriorate since it stopped being the IBM Employees credit union.  They never explained to us members why the changeover to "Amplify" -- we assumed it was a change in name only, but oh, how wrong that assumption turned out to be.  Calling the customer service department is a complete waste of time, for 90% of the time the CSA agent won't know how to help you, but will promise somebody's going to call you back, which of course they never do.  Visiting in person is quite dismaying.  There's only one or two of the old time employees left, the rest are a constantly changing parade of incompetent nincompoops who know nothing about banking, but they're perky and hope you have a great! day and offer you a bottle of water.  Then there's the regular emails offering "seminars" which are nothing more than attempts to sell you something -- not Amplify services, but a variety of "financial" products and services.  When did it become ok for a credit union to shill for hucksters trying to sell you something?  The actual financial advisors who used to be associated with IBMFCU have all severed their business relationships with Amplify, and who can blame them?  I am a supporter of credit unions in general, but after 16 years with this one I've come to the conclusion that Amplify is a disaster waiting to happen.

Customer Harassment

Posted by: |

I’ve been with Amplify for many years as they have one of my vehicle loans. The reason why I gave them a 1 Star rating is they constantly call me every month since COVID-19 saying I’m late on my vehicle payment, and own them over $100.00 in late fees, lol... Ever since they gave me a two month courtesy because of Covid, then started back up and paying on-time, then since December of 2020 the phone calls saying I’m late, OMG, stop harassing me!! Like every rep that calls, I go over my automatic payments with the rep, and say I’m up to date on my payments, hello I say that every month. When are they going to STOP HARASSING ME???

I have to raise my voice to get attention at this credit union. Hopefully after today they will start getting their mail before calling their customers. It’s ridiculous they can’t get their stuff straight at this bank.


The worst customer service ever. Fees are ridiculous. They care nothing about how long you have been with them. Pay attention to hidden fees!!!!

Stay Away Worst Credit Union Ever

MUST READ! The worst credit union ever, strike that the worst bank ever! After having a car loan with them several years and a series of events I called to pay my loan. The women who took my credit card number "hits enter twice" and runs my card for two payments. When for some reason they could not cancel one, she tells me that I have to go into my bank and stop payment! Okay do it, but yet again wasting my time. I decide to look into refinancing my 8% used car loan with university credit union, they refinance me at 3.5% NICE! But that is not it! months go by and I get a call that I owe amp one more payment, I ask why? They tell me that my last payment bounced, I tell them I have never bounced anything in my life and say I have to look into it. I pull my closing statement and it showing paid in full. I also call my credit union and ask them if I Ever bounced anything to amp. They tell me no you have never bounced a thing to them or anyone else. A few days go by and this jerk named Chris calls me and says that all I am trying to do is skip out on a payment, a small payment at that. He calls me a liar and a thief and demands payment, I tell this guy that I have a closing stament showing nothing due! He again tells me that I'm a liar and all I'm doing is trying to get out of a payment and that my last payment bounced and that I have to pay him or he is going to ruin my credit! We shared some words loudly and ask them can you guy possibly of made a mistake when I refinanced and gave university the wrong pay off amount, he says that they do not make mistakes then he accuses me of ripping them off and all I am doing is trying to skip out on a payment, I told this very rude Chris guy off and hung up on him. This credit union is not a credit union that we all love this bank is just like the big banks that calls us liars, and try to steal our hard earned money they will not help you with anything. Go to another credit union stay away form this place. Now if this Chris just simply said yes we made a mistake and gave the wrong payoff I would of paid it right then. But i am showing my last payment paid and have a stament showing ZERO DUE. As for my credit I have a statement showing the loan paid in full and closed, and the funny thing is that my new bank has the title would they of held that until the loan was paid and closed?


Health Grade Components

NCUA #68681
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD14.51%
Annual Interest Income$18.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.37B$1.49B
LoansQ1 2024vs Q1 2023$998.4MM$1.1B
DepositsQ1 2024vs Q1 2023$1.02B$982.2MM
Equity CapitalQ1 2024vs Q1 2023$126.1MM$114.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.6MM$5.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.9MM$1.6MM
Real Estate OwnedQ1 2024vs Q1 2023$810K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Amplify Credit Union Savings Account Rates

4.00%$0$250kBusiness High Yield Savings
0.30%*$250k*-High Yield Savings
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.05%$100-Primary Savings
0.05%$100-IRA Share
0.05%$100-Business Savings

Amplify Credit Union Money Market Rates

0.30%*$250k*-Business Money Market Account
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Classic Money Market
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k

Amplify Credit Union CD Rates

4.30%$500-18 Month Share Certificate
4.30%$500-Business 18 Month Share Certificate
4.20%$500-12 Month Share Certificate
4.20%$500-Business 12 Month Share Certificate
3.45%$500-24 Month Share Certificate
3.45%$500-6 Month Share Certificate
3.45%$500-Business 24 Month Share Certificate
3.45%$500-Business 6 Month Share Certificate
3.20%$500-60 Month Share Certificate
3.20%$500-36 Month Share Certificate
3.20%$500-Business 36 Month Share Certificate
3.20%$500-Business 60 Month Share Certificate
0.55%$500-3 Month Share Certificate
0.55%$500-Business 3 Month Share Certificate

Amplify Credit Union IRA Rates

3.90%$500-12 Month IRA
3.85%$500-18 Month IRA
3.20%$500-60 Month IRA

Amplify Credit Union Locations
Branch Office2800 Esperanza Xing Bldg 2Austin, TX 78758-3772
Branch Office13050 Pond Springs RdAustin, TX 78729
Branch Office5001 183A Toll Rd Ste 500Cedar Park, TX 78613-7903
Branch Office115 Sundance Pkwy Ste 500Round Rock, TX 78681-7927
Corporate Office3600 W Parmer LnAustin, TX 78727

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