InTouch Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.04% | 5-year CD | 60 Month CD 2.35% - Synchrony Bank 60 Month CD |
| 1.05% | 1-year CD | 12 Month CD 1.40% - Synchrony Bank 12 Month CD |
| 0.15% | Savings | Regular Savings |
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-mile radius of one of the credit union's branches. Membership is also open to employees of Dr Pepper Snapple Group, Caesars Entertainment Corporation and other local select employer groups.
See current membership details
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Intouch Credit Union
I have been with this credit union for about six years now, and it is so much better than my previous bank. The customer service at Intouch is excellent; employees attend to you as soon as you open the door. They are completely transparent with their customers. No hidden fees. The only thing that needs a little bit of improving is the online banking. I was helped by a very nice employee to sign up for home banking, but my password did not work when I got home. Overall, I give Intouch Credit Union a 5 out of 5.
Worst Re-Fi Experience Ever
I actually finally gave up after 3 months of providing documentation, going back and forth, and their always needing just one more thing - - then, just one more thing, ad nauseum. I have done business here for 25+ years, beginning when it was the EDS Credit Union. Never had problems, a number of previous loans (not mortgage), have a terrific credit score - - what is their problem? I will never again attempt a mortgage or mortgage re-fi with them, and I advise others to run quickly to a different lender. In fairness, I have never experienced a screw-up with any of my accounts in all of these years, so I will continue to bank here for checking and small savings accounts.
RUN FAST AND FAR FROM THIS BANK
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.
Intouch Credit Union Is The Worst Banking Institution
Intouch Credit Union Little Elm Tx Branch stole money from my account to settle the account of a family member who was NOT on my account NOR was I on their account. I went to the branch hoping to resolve this error where a Regional Manager lied and when pressed for the contact information for his boss he provided a fake telephone number for both himself and his superior. He swore he'd contact me before the close of business with a solution. We never heard from him. I went into the branch and closed two savings accounts where I was told by the teller that they didn't care that I was closing my accounts as they open new accounts daily. Fast Forward to the next day where I again went into the branch to find the Branch Manager who screamed and yelled at both my sister and I and told us to shut up when we both stated we preferred to do business at another branch and inquired as to how to have another branch be our home branch for our accounts. This woman is jealous and terribly insecure in her position. She fails in every area of business with a seriously high turn over of employees. Intouch has a serious problem at the Little Elm branch and that problem is the branch manager and Regional Manager. A climate has been created where it is taught and acceptable to lie to/on and disrepect the very people who provide them with a living wage. The higher ups in the company are useless and as I was told on more than one occassion they don't care if you close your account as they open new accounts everyday. Avoid this bank at all cost. They will lie to you, disrespect you and dare you to challange them when they are caught lying and stealing. Its safer to keep your money under the mattress vs dealing with a bank that has these types of practices in place.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68505 |
| Year Chartered | 1974 |
| Employees | 203 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.32% |
| Return on Equity - YTD | 3.51% |
| Annual Interest Income | $6.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $805.2MM$779.7MM |
| Loans | Q1 2017vs Q1 2016 | $628.5MM$590.5MM |
| Deposits | Q1 2017vs Q1 2016 | $712.7MM$689.1MM |
| Equity Capital | Q1 2017vs Q1 2016 | $72.5MM$72.4MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $4.6MM$4.8MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $4.6MM$4.6MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not InTouch Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.60% | - | $10k | Holiday Club Savings | |
| 0.50% | $100 | - | HSA Checking | |
| 0.30% | - | - | Chip/Geared Up/On My Own Savings | |
| 0.25% | - | - | IRA Savings | |
| 0.25% | $100 | - | Non-Profit Savings | |
| 0.15% | - | - | Regular Savings | |
| 0.15% | $25 | - | Business Regular Savings |
InTouch Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.40%* | $1m* | - | Money Fund Accounts | ||
| OTHER TIERS: 0.10% → Up to $5k | 0.15% → $5k - $25k | 0.20% → $25k - $100k | 0.25% → $100k - $350k | 0.30% → $350k - $700k | 0.35% → $700k - $1mm | |||||
| 0.40%* | $1m* | - | Business Money Fund | ||
| OTHER TIERS: 0.10% → Up to $5k | 0.15% → $5k - $25k | 0.20% → $25k - $100k | 0.25% → $100k - $350k | 0.30% → $350k - $700k | 0.35% → $700k - $1mm | |||||
InTouch Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25%* | $50k* | - | Premium Business Checking | ||
| OTHER TIERS: 0.10% → Up to $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | |||||
| 0.20%* | $5k* | - | Plus Business Checking | ||
| OTHER TIERS: 0.10% → Up to $2,500 | 0.15% → $2,500 - $5k | |||||
| 0.20% | $2,500 | - | On My Own/Geared Up Checking | ||
| 0.15%* | $100k* | - | Prime Checking | ||
| OTHER TIERS: 0.05% → $1,500 - $10k | 0.10% → $10k - $100k | |||||
| 0.05% | - | - | Regular Business Checking | ||
| 0.05% | $500 | - | E-ssential Checking | ||
| 0.05% | $1,500 | - | Momentum Checking | ||
InTouch Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.09% | $95k | - | 60 Month Jumbo CD | |
| 2.09% | $95k | - | Business 60 Month Jumbo CD | |
| 2.04% | $1k | $95k | 60 Month CD | |
| 2.04% | $1k | $95k | Business 60 Month CD | |
| 1.81% | $95k | - | 48 Month Jumbo CD | |
| 1.81% | $95k | - | Business 48 Month Jumbo CD | |
| 1.76% | $1k | $95k | 48 Month CD | |
| 1.76% | $1k | $95k | Business 48 Month CD | |
| 1.61% | $95k | - | 36 Month Jumbo CD | |
| 1.61% | $95k | - | Business 36 Month Jumbo CD | |
| 1.59% | $5k | - | 3 Year Bump Rate CD Special | |
| 1.56% | $1k | $95k | 36 Month CD | |
| 1.56% | $1k | $95k | Business 36 Month CD | |
| 1.43% | $5k | - | 2 Year Bump Rate CD Special | |
| 1.35% | $95k | - | 24 Month Jumbo CD | |
| 1.35% | $95k | - | 30 Month Jumbo CD | |
| 1.35% | $95k | - | Business 24 Month Jumbo CD | |
| 1.35% | $95k | - | Business 30 Month Jumbo CD | |
| 1.30% | $1k | $95k | 24 Month CD | |
| 1.30% | $1k | $95k | 30 Month CD | |
| 1.30% | $1k | $95k | Business 24 Month CD | |
| 1.30% | $1k | $95k | Business 30 Month CD | |
| 1.15% | $95k | - | 18 Month Jumbo CD | |
| 1.15% | $95k | - | Business 18 Month Jumbo CD | |
| 1.10% | $1k | $95k | 18 Month CD | |
| 1.10% | $95k | - | 12 Month Jumbo CD | |
| 1.10% | $250 | - | Youth/Young Adult 12-Month Certificate | |
| 1.10% | $95k | - | Business 12 Month Jumbo CD | |
| 1.10% | $1k | $95k | Business 18 Month CD | |
| 1.05% | $1k | $95k | 12 Month CD | |
| 1.05% | $1k | $95k | Business 12 Month CD | |
| 0.70% | $95k | - | 6 Month Jumbo CD | |
| 0.70% | $95k | - | Business 6 Month Jumbo CD | |
| 0.65% | $1k | $95k | 6 Month CD | |
| 0.65% | $1k | $95k | Business 6 Month CD | |
| 0.55% | $95k | - | 3 Month Jumbo CD | |
| 0.55% | $95k | - | Business 3 Month Jumbo CD | |
| 0.50% | $1k | $95k | 3 Month CD | |
| 0.50% | $1k | $95k | Business 3 Month CD |
InTouch Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.09% | $95k | - | 60 Month Jumbo IRA | |
| 2.04% | $1k | $95k | 60 Month IRA | |
| 1.81% | $95k | - | 48 Month Jumbo IRA | |
| 1.76% | $1k | $95k | 48 Month IRA | |
| 1.61% | $95k | - | 36 Month Jumbo IRA | |
| 1.59% | $5k | - | 3 Year Bump Rate IRA Special | |
| 1.56% | $1k | $95k | 36 Month IRA | |
| 1.43% | $5k | - | 2 Year Bump Rate IRA Special | |
| 1.35% | $95k | - | 24 Month Jumbo IRA | |
| 1.35% | $95k | - | 30 Month Jumbo IRA | |
| 1.30% | $1k | $95k | 24 Month IRA | |
| 1.30% | $1k | $95k | 30 Month IRA | |
| 1.15% | $95k | - | 18 Month Jumbo IRA | |
| 1.10% | $95k | - | 12 Month Jumbo IRA | |
| 1.10% | $250 | - | Youth/Young Adult 12-Month IRA Certificate | |
| 1.10% | $1k | $95k | 18 Month IRA | |
| 1.05% | $1k | $95k | 12 Month IRA | |
| 0.70% | $95k | - | 6 Month Jumbo IRA | |
| 0.65% | $1k | $95k | 6 Month IRA | |
| 0.55% | $95k | - | 3 Month Jumbo IRA | |
| 0.50% | $1k | $95k | 3 Month IRA |
InTouch Credit Union has 20 locations. Click to view all InTouch Credit Union locations.