Featured Savings Rates
Featured Accounts

InTouch Credit Union

Popular Accounts at this Credit Union

1.95%1-year CD13 Month CD Special
2.25%2-year CD21 Month CD Special
2.25%2-year IRA21 Month IRA Special (Traditional, Roth, CESA)

Overview / Commentary
5640 Democracy Dr
Plano, TX 75024

InTouch Credit Union is a large credit union headquartered in Plano, Texas, having been originally chartered in 1974. The credit has grown to serve tens of thousands of members located in all 50 states and in various countries all over the world.

ITCU offers depository and loan products and services to provide personal, business, and wealth management banking solutions to meet the needs of its members. On its personal depository banking side, the credit union makes a range of savings account products available, including youth savings, health savings, and money market and certificate accounts. Its certificate account offerings range in term lengths from 3 to 60 months and require a $1000 minimum to open. There is a range of checking account products available, among which are offerings that provide unlimited checks or accounts that are managed exclusively online.

InTouch Credit Union online banking provides 24-hour access to accounts for mobile banking, account management, and QuickBooks through its eBanking platform. The credit union also offers a variety of educational tools and webinars to help members understand products and services related to things like children’s and college students’ savings programs. ITCU’s website also features calculators to help members with budgeting and account rate comparison. The credit union issues loans to both businesses and individuals for vehicles, real estate, equipment, and credit cards.

InTouch Credit Union is a non-federal, state-chartered credit union and is insured by the NCUA. It operates branches in the physical vicinity of the city of Dallas, close to its headquarters.

Field of Membership Restrictions

Membership in InTouch Credit Union is open to those who live, work, attend school, or worship within a 10-15 mile radius of one of the Credit Union's branches, with the exception of the Memphis branch, which operates under a Select Employer Group (SEG) field of membership. Employees of Dr Pepper Snapple Group, Caesars Entertainment Corporation, and other local SEGs.
See current membership details

Related Posts

InTouch Credit Union Adds 21-Month Jumbo CD Special (2.50% APY) - 3/3/2018

InTouch CU has added two Jumbo Certificate Specials( $95k min) – 13-month, 2.20% APY and 21-month, 2.50% APY. "Non-Jumbo" versions ($1k min) earn APYs 25 bps lower.

InTouch Credit Union Ups 15-Month Jumbo CD - 1/20/2018

InTouch Credit Union has added 70 bps to its 15-month Jumbo Certificate (2.25% APY, $95k minimum). Also available as a regular Certificate (2.20% APY, $1k minimum).

View all posts from:

Polite, Professional At Sterling, VA Branch

Posted by: JWARREN | Feb 9, 2018

The 5-10 mile radius FOM is very misleading it includes residents of Fairfax County.

In Touch is good

I have been a member of this credit union for years. I moved over to a credit union because it I had bad experiences with banks. Over the years, it's been great. I don't have to have a large amount of money set in my account, the basic balance is 5 dollars for the checking and savings account that I have. If I do enough transitions in a month with my debit card I gain a small interest rate that adds up over time. I have the ability to pay directly out of my bank account for a life insurance plan that the credit union offered me.
I am called quarterly to be asked how I appreciate my service and if I need anything. Online banking is easy, and most of what I do is online. I often get my bank statement via text message. It helps me keep up with my balances without having to keep a transaction booklet. They also provide an app for the things I cannot do through text message banking. I get all my statements digitally, through email, so my account is paperless. I feel I have a modern account that is easy to access this day in age with a modern company that provided me what I need.

The High-Yield Checking Account Is Capped At $30K (For Purpose Of Earning 2.63%)

Posted by: Jerry B. | Feb 28, 2018

I thought that being able to earn 2.63% on one's deposit amount in the High-Yield Checking with *no maximum* was too good to be true (even if it did require $5K+ in debit card spending per month). Indeed, it is. There is a $30K cap.


This bank is a JOKE. They are the worst bank I have ever had to deal with. The customer service is horrible, and they talk down to customers as if they are stupid.

The banking app is terrible. It will lock you out all of the time, and when you call in to find out why they are hard to even deal with. If you don't memorize your bank acct number and have to call in, they charge you $5 EVERYTIME to ask you questions to verify its your account.

They will bother you relentlessly if you are even a day or two late on a loan. I left this bank and it is one of the best business decisions I have ever made. They will kiss your tail to get you as a customer then they will treat you like garbage once you are a member.



Health Grade Components

NCUA #68505
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.51%
Annual Interest Income$27.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$805.6MM$791.2MM
LoansQ4 2017vs Q4 2016$678.8MM$612.2MM
DepositsQ4 2017vs Q4 2016$702.4MM$698.7MM
Equity CapitalQ4 2017vs Q4 2016$74.1MM$71.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.6MM$5.1MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.3MM$5.5MM
Real Estate OwnedQ4 2017vs Q4 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.

InTouch Credit Union Savings Account Rates

0.75%-$10kHoliday Club Savings
0.55%$100-HSA Checking
0.45%--Chip's Kids/Geared Up/On My Own Savings
0.40%--IRA Savings
0.35%$100-Non-Profit Savings
0.30%$25-Regular Savings
0.25%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

0.90%*$1m*-Money Fund Accounts
OTHER TIERS: 0.50% Up to $5k | 0.55% $5k - $25k | 0.65% $25k - $100k | 0.75% $100k - $700k | 0.80% $700k - $1mm
0.90%*$1m*-Business Money Fund
OTHER TIERS: 0.50% Up to $5k | 0.55% $5k - $25k | 0.65% $25k - $100k | 0.75% $100k - $700k | 0.80% $700k - $1mm

InTouch Credit Union Checking Account Rates

2.63%*$5k*-High Yield Checking
OTHER TIERS: 0.05% Up to $750 | 0.25% $750 - $1,500 | 0.50% $1,500 - $2,500 | 1.01% $2,500 - $5k
0.25%*$50k*-Premium Business Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.25%$2,500-On My Own/Geared Up Checking
0.20%*$5k*-Plus Business Checking
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $5k
0.20%*$100k*-Prime Checking
OTHER TIERS: 0.10% $1,500 - $10k | 0.15% $10k - $100k
0.10%$500-Momentum One Checking
0.10%$500-Momentum Plus Checking
0.05%--Regular Business Checking

InTouch Credit Union CD Rates

2.65%$95k-60 Month Jumbo CD
2.65%$95k-Business 60 Month Jumbo CD
2.60%$1k$95k60 Month CD
2.60%$1k$95kBusiness 60 Month CD
2.50%$95k-21 Month Jumbo CD Special
2.50%$95k-Business 21 Month Jumbo CD
2.35%$95k-48 Month Jumbo CD
2.35%$95k-Business 48 Month Jumbo CD
2.30%$1k$95k48 Month CD
2.30%$1k$95kBusiness 48 Month CD
2.25%$1k-21 Month CD Special
2.25%$1k$95kBusiness 21 Month CD
2.20%$95k-13 Month Jumbo CD Special
2.20%$95k-Business 13 Month Jumbo CD
2.06%$95k-36 Month Jumbo CD
2.06%$95k-Business 36 Month Jumbo CD
2.01%$1k$95k36 Month CD
2.01%$1k$95kBusiness 36 Month CD
1.96%$95k-30 Month Jumbo CD
1.96%$95k-Business 30 Month Jumbo CD
1.95%$1k-13 Month CD Special
1.95%$1k$95kBusiness 13 Month CD
1.91%$1k$95k30 Month CD
1.91%$95k-24 Month Jumbo CD
1.91%$95k-Business 24 Month Jumbo CD
1.91%$1k$95kBusiness 30 Month CD
1.86%$1k$95k24 Month CD
1.86%$1k$95kBusiness 24 Month CD
1.76%$95k-18 Month Jumbo CD
1.76%$95k-Business 18 Month Jumbo CD
1.71%$1k$95k18 Month CD
1.71%$1k$95kBusiness 18 Month CD
1.70%$95k-12 Month Jumbo CD
1.70%$250-Youth/Young Adult 12-Month Certificate
1.70%$95k-Business 12 Month Jumbo CD
1.65%$1k$95k12 Month CD
1.65%$1k$95kBusiness 12 Month CD
1.40%$95k-6 Month Jumbo CD
1.40%$95k-Business 6 Month Jumbo CD
1.35%$1k$95k6 Month CD
1.35%$1k$95kBusiness 6 Month CD
1.00%$95k-3 Month Jumbo CD
1.00%$95k-Business 3 Month Jumbo CD
0.95%$1k$95k3 Month CD
0.95%$1k$95kBusiness 3 Month CD

InTouch Credit Union IRA Rates

2.65%$95k-60 Month Jumbo IRA
2.60%$1k$95k60 Month IRA
2.50%$95k-21 Month Jumbo IRA Special
2.35%$95k-48 Month Jumbo IRA
2.30%$1k$95k48 Month IRA
2.25%$1k-21 Month IRA Special
2.20%$95k-13 Month Jumbo IRA Special
2.06%$95k-36 Month Jumbo IRA
2.01%$1k$95k36 Month IRA
1.96%$95k-30 Month Jumbo IRA
1.95%$1k-13 Month IRA Special
1.91%$95k-24 Month Jumbo IRA
1.91%$1k$95k30 Month IRA
1.86%$1k$95k24 Month IRA
1.76%$95k-18 Month Jumbo IRA
1.71%$1k$95k18 Month IRA
1.70%$95k-12 Month Jumbo IRA
1.65%$1k$95k12 Month IRA
1.40%$95k-6 Month Jumbo IRA
1.35%$1k$95k6 Month IRA
1.00%$95k-3 Month Jumbo IRA
0.95%$1k$95k3 Month IRA