Featured Savings Rates
Featured Accounts

Credit Human

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.20%Reward CheckingMy Generation Checking
2.40%6+ Year CD84 - 119 Months CD
2.25%5-year CD60 - 83 Months CD

Overview / Commentary
210-258-1390
6061 W Interstate 10
San Antonio, TX 78201-2104

San Antonio Federal Credit Union has been repeatedly recognized on DepositAccounts.com for its CD rates. It offers a range of depository and loan products to individuals, as well as investment representatives to help guide members on decisions about various investment services.

SACU offers a variety of checking account options, some of which come with life insurance policies. The credit union also has a checking account customized for seniors, as well as a free checking account that comes with unlimited check writing and a free debit card. Limited savings account options are available, and the basic savings account option has a withdrawal fee unless minimum account balances are met. Money market accounts offered by the credit union return various rates of interest depending on account balances. Share certificates are available and have various minimum initial deposit requirements. Share certificates also range in term lengths from 3 to 120 months.

San Antonio Federal Credit Union online banking provides a web-based platform for managing accounts, paying bills, making mortgage payments, and viewing images of cleared checks. Additionally, the credit union offers smartphone and tablet apps that make banking on the go quick and convenient. SACU makes member education resources available to help members decide on the best courses of action with various products and services in mind. The credit union is part of a shared branch network, making access to ATMs easy for its members.

San Antonio Federal Credit Union was originally chartered in 1989 in San Antonio, Texas, where it is currently headquartered. It serves its members through multiple branches located across the state of Texas.

Field of Membership Restrictions

Membership in San Antonio Federal Credit Union is open to the following: 1) those who live, worship or work in South or West San Antonio or in Houston, Texas; 2) a registered Catholic with the Archdiocese of Galveston-Houston; 3) volunteer for a United Way agency in San Antonio; 4) active or retired military in the San Antonio area; 5) a student of higher education in the San Antonio area; 6) work for one of the credit union's Select Employer Groups.
See current membership details

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Reviews (4)

Great Customer Service but Products Could Use Improvement

I have been with Credit Human since it was San Antonio Federal Credit Union ("SACU"). The customer service has always been great. I prefer to go to a branch in person because they do not -- or at least did not at one time -- have 24/7 customer service by phone, which was frustrating. The employees treat customers well and go above and beyond the service of a typical financial institution.

My problem with Credit Human involves trying to set up online transfers. For security purposes, checking account numbers do not appear on monthly statements. Basically, the savings account number is the default. But my type of account limits the number of transfers to savings before a fee is incurred. When I tried to establish transfers from a company for which I do contract work, that company required a copy of a monthly statement. Since I had no proof of my checking account number on my statement, a Credit Human representative had to type up a letter (on their letterhead) verifying my checking account number. It was a convoluted process that I have never had to go through with other credit unions or banks. I understand the need for security, but there should be a more direct and convenient way to set up such things. Still, I'll stick with Credit Human. It feels like I have a relationship with them.

WORST BANK EVER DON't USE!

There is NO DIRECT NUMBER TO ANY BANK! Only a number that connects you to an 800 number which they take on average of 2 HOURS TO ANSWER!!! This is NOT customer service and they do not care about any of their customers! You have to jump through hoops just to pay a simple loan from another bank... then you are back on the phone for HOURS just trying to figure out if your payment went through! I'm going to NAVY FEDERAL CREDIT UNION as soon as I can with my new loan! They answer as soon as you find the department you want and if you can't figure it out you can get partly to a department and hit 0 to find an assistant to help you! If I want to call a specific bank I can! It is VERY EASY to pay your loans and transfer money! I'm DISGUSTED with CREDIT HUMAN & it will NEVER be recommended!!!!

Horrible Customer Service

I'm pretty much fed up with Credit Human for numerous reasons. If you're thinking of joining a good credit union in San Antonio, I STRONGLY suggest that you DON'T go to Credit Human.

Integrity

Posted by: Anonymous | Aug 26, 2010

My mother has been a member of this Bank for twenty two years; she is also disabled. Each month this bank charges my mom from 200-300 dollars in late fees. I believe they are abusing her through this practice, and every time I call they will not give me the general manager's number.



Health
B+

Health Grade Components

Overall
NCUA #24382
Year Chartered1935
Employees732
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.12%
Annual Interest Income$65.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.93B$2.88B
LoansQ2 2017vs Q2 2016$2.75B$2.68B
DepositsQ2 2017vs Q2 2016$2.27B$2.12B
Equity CapitalQ2 2017vs Q2 2016$306.7MM$309.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$15.5MM$12.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$60.4MM$50.0MM
Real Estate OwnedQ2 2017vs Q2 2016$827.00K$859.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Human Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Share Savings
0.25%--Share Savings (Minor)

Credit Human Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$90k*-Money Market
OTHER TIERS: 0.10% $500 - $1k | 0.15% $1k - $10k | 0.35% $10k - $90k

Credit Human Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*-$25kMy Generation Checking
OTHER TIERS: 0.10% $25k+
0.10%$500-50 Gold Checking

Credit Human CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-120 Months CD
2.40%$1k-84 - 119 Months CD
2.25%$1k-60 - 83 Months CD
1.90%$1k-36 - 59 Months CD
1.75%$1k-24 - 35 Months CD
1.55%$1k-18 - 23 Months CD
1.50%$1k-12 - 17 Months CD
1.40%$5k-12 Months Liquid CD
0.70%$1k-6 - 11 Months CD
0.10%*$90k*-3 - 5 Months CD
OTHER TIERS: 0.01% $1k - $10k | 0.05% $10k - $90k

Credit Human IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%--120 Month IRA
2.40%--84 - 119 Month IRA
2.25%--60 - 83 Month IRA
1.90%--36 - 59 Month IRA
1.75%--24 - 35 Month IRA
1.55%--18 - 23 Month IRA
1.50%--12 - 17 Months IRA
1.40%$5k-1 Year Liquid IRA
0.70%--6 - 11 Months IRA
Locations

Availability