Credit Human 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.
Credit Human 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.
Credit Human's 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.
Credit Human 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 Credit Human is open to all U.S. citizens/resident aliens through membership in the American Consumer Council (ACC). Individuals who live, work, worship, or attend school in Credit Human's service area (greater San Antonio metro area) also qualify. Employees and members of one of Credit Human's employer or organization partners are eligible to join, as are any veteran, retiree, active duty member, or dependent of a member of the U.S. Armed Forces or National Guard. Family members or household members of a current Credit Human member are eligible to apply.
See current membership details
Credit Human Rocks
Opened Savings and Shared Certificate accounts.
Easy to do, website awesome, and NO complaints.
I had many questions that came up, before, during and after accounts were opened.
This required me to call customer service many times.
All phone calls were picked up ASAP, all question answered so I could understand.
Customer reps are awesome.
And as of today, BEST APY RATES for the time frames I picked.
Transfer Limits
I opened the basic account in preparation to open a CD when I was informed that they have 10k daily\15k monthly transfer limits. They suggested using a wire transfer but of course there are fees when you do a wire. If I want to open a 50k CD they said it would take 3 months to get they money in\out via regular ACH. I just haven't had this experience with any of the numerous banks I've dealt with. I think you can get around the funding limit by funding your CD when you open it, but I was told by customer support to open the basic account first and then open the CD after and of course after that I was subjected to to the daily\monthly limit. So I'm a no go on this bank, if i did do a CD I would be forced to do a manual wire transfer when the CD matures to get the money out (or do 15k transfers for 3 consecutive months.) The online interface is not bad for a credit union. Customer support was extremally nice but not well informed, they are used to doing business face to face and I think the calls for the online business are routed to normal bank employees, which are not up to date on the online operations.
Nationally Available But NOT Easy Membership
After I was denied twice "electronically" with "cannot verify identity-go apply in person" emails within a couple hours of applications (this seems to be what happens to most applicants from various comments throughout the blog-even though Chex score and answers were satisfactory) and then I applied again 3 days later via a phone convo with a CSR - after I was initially told that was possible; I Never got the return/application for signature email promised to print and sign for membership - as I was told by the CSR. Yet another phone call and various call backs with a CSR who supposedly talked to a manager in new accounts and pulling the tape of the convo etc.,
NOW: if you were declined electronically (failed identity verification the most common or Chex System denial the second most common reason), you CANNOT apply via phone and with CSR and can ONLY reattempt electronically or in person after 48 hours~.
I'll wait a few days and try one more time but, it appears that very few can take advantage of the great 5.50% APY offer unless you can apply in person locally at any branch.
(The ability to choose a maturity 24-35 mos was a perfect fit for my CD ladder in the CY'26 timeframe. Bummer. I am also looking at University FCU whom did email me back that you do NOT have to be a Texas Resident to apply for the 48 mo 5% APY CD that I want to fill cy' 27 maturity in my ladder).
It appears from comments and process that this is NOT an "easy membership" CU. It is available nationally but, is "hit and miss" in applying/acceptance. Be VERY careful with your Chex answers and have clear, sharp ID pics to upload in hope of approval. It's best to JUST start with the share account and once approved, THEN acquire the CD.
Not impressed with service, wait times, product line, CSR answers that conflict, etc., et all but, for just a CD and share account to compound and having physical branches and being a member of the national CU co-op, this CU did appear to be satisfactory for parking money but alas, applying will be a frustrating, time-consuming process - if one can get membership at all.
CREDIT HUMAN IGNORING MY EMAILS
I have been trying to get the interest from my CD transferred into my Savings on a monthly basis.
I had to call to set this up. They say its all set, but the money never gets transferred. Now I can't get them on the phone and my Emails go unanswered!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24382 |
| Year Chartered | 1935 |
| Employees | 847 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.29% |
| Return on Equity - YTD | -3.84% |
| Annual Interest Income | $68.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.46B$4.25B |
| Loans | Q1 2025vs Q1 2024 | $3.91B$3.86B |
| Deposits | Q1 2025vs Q1 2024 | $3.69B$3.49B |
| Equity Capital | Q1 2025vs Q1 2024 | $327.5MM$321.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $42.3MM$47MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $54.3MM$59.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $111K$36K |
