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Credit Union Of Texas

Popular Accounts at this Credit Union

1.85%3-year IRA36 Month IRA (Traditional, Roth, CESA)
2.30%5-year CD60 Month CD
1.45%1-year CD12 Month CD

Overview / Commentary
8131 Lyndon B Johnson Fwy Ste 500
Dallas, TX 75251

Credit Union Of Texas is headquartered in Dallas and is the 14th largest credit union in the state of Texas. It is also the 192nd largest credit union in the nation. It was established in 1931 and as of September of 2017, it had grown to 424 employees and 137,519 members at 13 locations. Credit Union Of Texas' CD rates are 61% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Credit Union of Texas is open to the following: (1) those who live, work, or attend school in Collin, Dallas, or Rockwall Counties; (2) those who live, work, or attend school in select areas of Fannin, Grayson, Ellis, Tarrant, or Denton Counties; (3) employees of Cedar Valley College, Dallas Theological Seminary, Horizon Lines and over 100 Select Employer Groups.
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Reviews (5)

Great Service!!!!!

I have an account with Texas credit union, and so far I can not complain when it comes down to the service and the products they offer they are amazing. The only inconvenience I had is that when I signed up, they enrolled me in paper statements, which is not a bad thing but then they changed the policy and I was getting charged $2.00 per statement. So I called and they took care of that. In my opinion credit union of Texas is great, they have great customer services and amazing products.

My Credit Union

My credit union has been so pleasureful to work with. I have enjoyed their service because they always get my deposits and withdraws in a very fast time. One time, I had to make a withdraw from one account to my husband's account and I knew that it would take a long time up to three days. However, I called the employee working and I asked if there was anything that could be done to make the transfer go through faster than usual. I was so shocked when he said that he could approve it right then and there because he was not busy! I was so happy because this meant the world considering how large the transfer was. This really made me recommend this credit union to others and has helped me every day.

Credit Union of Texas - My Outlook

Posted by: yoyo | Dec 22, 2014

If a credit union is needed, this organization has a variety of helpful locations. The staff is typically quite friendly and helpful. Sometimes, the ATMs have encountered problems reading my debit card or recognizing the image of my check deposits but I usually get everything to work so that's only a minor discomfort that others may not experience.

Anyways, this credit union is very beneficial in that I've initiated 2 car loans through this organization in the past two years and they were very easy to create and process. I was certainly a fan of the quick approval, fast communication, and virtually effortless paperwork signing. They are very good for your personal or business finances. Since discovering their institution in 2012, I have been a very faithful and satisfied customer.

Review of Texas Credit Union

I used this site after being recommended by a friend who had used them in the past. I needed a union who had great customer service and could explain things to me because to be honest I really didn't know much on unions. So I was directed to this website that explains everything well and even has online CS support which was awesome. I had about 15 questions to ask and I had written them down before hand and the CS rep answer them all in a way that I understood. All in all I would recommend this site and union to anyone in Texas needing a union. I had a great overall customer service experience and that's what matters the most.

Service Is Declining

I have been a member for several years. However, I notice the more technology the bank uses the customer service suffers. Today I was unable to use my debit card and was told by a representative that members were notified via a post on Facebook. That is beyond unacceptable. No email or automated phone call was attempted. I hope they correct their errors and go back to the personalized, friendly, customer service based organization they once were.


Health Grade Components

NCUA #66327
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD6.8%
Annual Interest Income$42.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.40B$1.33B
LoansQ3 2017vs Q3 2016$1.17B$1.06B
DepositsQ3 2017vs Q3 2016$1.19B$1.16B
Equity CapitalQ3 2017vs Q3 2016$120.3MM$112.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$7.9MM$4.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$8.8MM$7.4MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Union Of Texas Savings Account Rates

0.40%*$1k*-Dollar Dog Kids Club
OTHER TIERS: 0.25% Up to $1k
0.40%*$1k*-Kids Savings
OTHER TIERS: 0.25% Up to $1k
0.15%$50-IRA Accumulator
0.05%$100-Regular Share Account
0.05%$100-Member's Choice Savings Account
0.05%$100-Holiday Savings Account

Credit Union Of Texas Money Market Rates

0.20%*$25k*-Premium Money Market Account
OTHER TIERS: 0.15% Up to $25k
0.20%$150k-Mega Money Market Account
0.15%--Money Market Account

Credit Union Of Texas Checking Account Rates

0.25%--Secure PLUS Checking
0.15%--Mature Checking Account
0.15%--Premier Checking Account
0.10%--Secure Checking

Credit Union Of Texas CD Rates

2.30%*$25k*-60 Month CD
OTHER TIERS: 2.10% $1k - $25k
2.00%*$25k*-48 Month CD
OTHER TIERS: 1.95% $1k - $25k
1.85%*$99k*-36 Month CD
OTHER TIERS: 1.75% $1k - $25k | 1.80% $25k - $99k
1.75%*$25k*-24 Month CD
OTHER TIERS: 1.55% $1k - $25k
1.50%*$25k*-18 Month CD
OTHER TIERS: 1.45% $1k - $25k
1.45%$1k-12 Month CD
1.20%$1k-6 Month CD

Credit Union Of Texas IRA Rates

2.30%*$25k*-60 Month IRA
OTHER TIERS: 2.10% $500 - $25k
2.00%*$25k*-48 Month IRA
OTHER TIERS: 1.95% $500 - $25k
1.85%*$50k*-36 Month IRA
OTHER TIERS: 1.75% $500 - $10k | 1.80% $10k - $50k
1.75%*$10k*-24 Month IRA
OTHER TIERS: 1.55% $500 - $10k
1.45%$500-12 Month IRA
1.20%$500-6 Month IRA