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InTouch Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%6-month CD8 Month CD Special
0.60% - National Average
2.75%5-year CD60 Month CD
3.00% - Barclays 60 Month Online CDAdvertisement
1.90%1-year CD12 Month CD
2.30% - Ally Bank High Yield 12-Month CDAdvertisement
View all InTouch Credit Union rates »

Overview / Commentary
www.itcu.org
214-291-1776
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 generally open to those who live, work, worship, or attend school within the geographies of each of our 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 also qualify.
See current membership details

Related Posts

InTouch Credit Union Adds 8-Month Certificate Special - 5/2/2018

InTouch CU (MI,NV,TN,TX,VA) has added a 8-month Certificate Special (2.20% APY). Minimum deposit is $1k and is capped at $95k. There is a limit of one per member.

InTouch Credit Union Adds 21-Month Jumbo CD Special - 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).

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Reviews (22)

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.

1

Great credit union

Posted by: rosannahowe | Mar 31, 2018

I had used banks before. While they seemed fine, I had a disappointing experience with a bank. I was offered the opportunity to join a credit union. I hadn't, at first, noticed much of a difference. But over time I found myself glad to have done so. If I overdrew my checking account, it just took the rest of the balance from my savings without charging me anything. The amount that needed to stay in the account was a reasonable amount that I have always been able to keep in my account. It is easy to keep adding money to my savings, by setting up a regular transfer of funds. I also had the option to set up a payment service for life insurance through the credit union. Quarterly I make payments into that. It's easy to bank online, to make online payments, to manage my deposits, and keep up with my accounts. I can acess my account online, through apps, and go to local credit unions to bank with mine although it is located states away. I find it's a great option for me, has become my favorite way to manage my money, and was the best option for me.

1

In Touch is good

Posted by: margaretford | Nov 1, 2017

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.

1

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.

2
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Health
B+

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68505
Year Chartered1974
Employees156
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.91%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$841.6MM$805.2MM
LoansQ1 2018vs Q1 2017$712.4MM$628.5MM
DepositsQ1 2018vs Q1 2017$727.4MM$712.7MM
Equity CapitalQ1 2018vs Q1 2017$74.9MM$72.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$4.6MM$4.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$4.9MM$4.6MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*-$10kChip's Kids/Geared Up/On My Own Savings
OTHER TIERS: 0.35% → $10k+
0.75%--Holiday Club Savings
0.55%$100-HSA Checking
0.40%--IRA Savings
0.40%$100-Non-Profit Savings
0.35%$25-Regular Savings
0.30%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$1m*-Money Fund Accounts
OTHER TIERS: 0.55% → Up to $5k | 0.60% → $5k - $25k | 0.70% → $25k - $100k | 0.75% → $100k - $350k | 0.80% → $350k - $700k | 0.90% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%*$5k*-High Yield Checking
OTHER TIERS: 0.05% → Up to $750 | 0.25% → $750 - $1,500 | 0.50% → $1,500 - $2,500 | 1.26% → $2,500 - $5k
0.30%*$50k*-Premium Business Checking
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k
0.25%*$5k*-Plus Business Checking
OTHER TIERS: 0.15% → Up to $2,500 | 0.20% → $2,500 - $5k
0.25%$2.5k-On My Own/Geared Up Checking
0.20%*$100k*-Prime Checking
OTHER TIERS: 0.10% → $1,500 - $10k | 0.15% → $10k - $100k
0.10%--Regular Business Checking
0.10%$500-Momentum One Checking
0.10%$500-Momentum Plus Checking

InTouch Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$95k-60 Month Jumbo CD
2.80%$95k-Business 60 Month Jumbo CD
2.75%$1k$95k60 Month CD
2.75%$1k$95kBusiness 60 Month CD
2.55%$95k-48 Month Jumbo CD
2.55%$95k-Business 48 Month Jumbo CD
2.50%$1k$95k48 Month CD
2.50%$1k$95kBusiness 48 Month CD
2.50%$95k-17 Month Jumbo CD Special
2.50%$95k-Business 17 Month Jumbo CD Special
2.45%$1k$95k17 Month CD Special
2.45%$1k$95kBusiness 17 Month CD Special
2.40%$95k-36 Month Jumbo CD
2.40%$95k-Business 36 Month Jumbo CD
2.35%$1k$95k36 Month CD
2.35%$1k$95kBusiness 36 Month CD
2.25%$95k-30 Month Jumbo CD
2.25%$95k-Business 30 Month Jumbo CD
2.20%$1k$95k30 Month CD
2.20%$1k$95kBusiness 30 Month CD
2.15%$95k-24 Month Jumbo CD
2.15%$95k-Business 24 Month Jumbo CD
2.10%$1k$95k24 Month CD
2.10%$1k$95kBusiness 24 Month CD
2.05%$95k-8 Month Jumbo CD Special
2.05%$95k-Business 8 Month Jumbo CD Special
2.00%$95k-18 Month Jumbo CD
2.00%$95k-Business 18 Month Jumbo CD
2.00%$1k$95k8 Month CD Special
2.00%$1k$95kBusiness 8 Month CD Special
1.95%$1k$95k18 Month CD
1.95%$95k-12 Month Jumbo CD
1.95%$250-Youth/Young Adult 12-Month Certificate
1.95%$95k-Business 12 Month Jumbo CD
1.95%$1k$95kBusiness 18 Month CD
1.90%$1k$95k12 Month CD
1.90%$1k$95kBusiness 12 Month CD
1.45%$95k-6 Month Jumbo CD
1.45%$95k-Business 6 Month Jumbo CD
1.40%$1k$95k6 Month CD
1.40%$1k$95kBusiness 6 Month CD
1.30%$95k-3 Month Jumbo CD
1.30%$95k-Business 3 Month Jumbo CD
1.25%$1k$95k3 Month CD
1.25%$1k-Business 3 Month CD Special

InTouch Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$95k-60 Month Jumbo IRA
2.75%$1k$95k60 Month IRA
2.55%$95k-48 Month Jumbo IRA
2.50%$1k$95k48 Month IRA
2.50%$95k-17 Month Jumbo IRA Special
2.45%$1k$95k17 Month IRA Special
2.40%$95k-36 Month Jumbo IRA
2.35%$1k$95k36 Month IRA
2.25%$95k-30 Month Jumbo IRA
2.20%$1k$95k30 Month IRA
2.15%$95k-24 Month Jumbo IRA
2.10%$1k$95k24 Month IRA
2.05%$95k-8 Month Jumbo IRA Special
2.00%$95k-18 Month Jumbo IRA
2.00%$1k$95k8 Month IRA Special
1.95%$95k-12 Month Jumbo IRA
1.95%$1k$95k18 Month IRA
1.90%$1k$95k12 Month IRA
1.45%$95k-6 Month Jumbo IRA
1.40%$1k$95k6 Month IRA
1.30%$95k-3 Month Jumbo IRA
1.25%$1k$95k3 Month IRA
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