Credit Union Of Texas

Overview / Commentary
900 W Bethany Dr Ste 500
Allen, TX 75013

Credit Union Of Texas is headquartered in Allen and is the 14th largest credit union in the state of Texas. It is also the 194th largest credit union in the nation. It was established in 1931 and as of September of 2022, it had grown to 491 employees and 154,599 members at 19 locations. Credit Union Of Texas' money market rates are 10X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Credit Union of Texas is open to those who live, work, or attend school in the Texas counties of Camp, Collin, Dallas, Denton, Ellis, Fannin, Grayson, Gregg, Harrison, Hunt, Marion, Morris, Rockwall, Smith, Tarrant, Upshur, or Wood. Employees/members of more than 300 SEGS (including 50 Texas school districts) also qualify.
See current membership details

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

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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 - YTD0.92%
Return on Equity - YTD11.24%
Annual Interest Income$60.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.23B$1.71B
LoansQ3 2022vs Q3 2021$1.93B$1.36B
DepositsQ3 2022vs Q3 2021$1.72B$1.52B
Equity CapitalQ3 2022vs Q3 2021$176.4MM$160.7MM
Loan Loss AllowanceQ3 2022vs Q3 2021$9.1MM$11.4MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$7.5MM$5.0MM
Real Estate OwnedQ3 2022vs Q3 2021$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

0.50%--Save the Change
0.15%--IRA Accumulator

Credit Union Of Texas Money Market Rates

4.25%*$750k*-Mega Money Market Account
OTHER TIERS: 0.48% $150k - $250k | 2.00% $250k+

Credit Union Of Texas CD Rates

4.40%$1k-24 Month CD
4.40%$25k-12 Month No Penalty CD
4.30%$1k-18 Month CD
4.30%*$250k*-48 Month CD
OTHER TIERS: 4.00% $1k - $100k | 4.10% $100k - $200k | 4.20% $200k - $250k
4.30%*$250k*-60 Month CD
OTHER TIERS: 4.00% $1k - $100k | 4.10% $100k - $200k | 4.20% $200k - $250k
4.30%*$250k*-36 Month CD
OTHER TIERS: 4.00% $1k - $100k | 4.10% $100k - $200k | 4.20% $200k - $250k
4.20%$1k-12 Month CD
3.80%$1k-6 Month CD

Credit Union Of Texas IRA Rates

4.40%$500-24 Month IRA
4.30%*$99k*-36 Month IRA
OTHER TIERS: 4.00% $500 - $25k | 4.10% $25k - $50k | 4.20% $50k - $99k
4.30%*$99k*-48 Month IRA
OTHER TIERS: 4.00% $500 - $25k | 4.10% $25k - $50k | 4.20% $50k - $99k
4.30%*$99k*-60 Month IRA
OTHER TIERS: 4.00% $500 - $25k | 4.10% $25k - $50k | 4.20% $50k - $99k
4.20%$500-12 Month IRA
3.81%$500-6 Month IRA


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