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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

InTouch Credit Union of Texas is open to the residents, church members, registered students, and the people that maintain employment within the qualified locations that the credit union serves, the employees of the credit union affiliated partner companies and select employee groups that are listed on the credit union website, along with the family members of the current credit union members.
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Intouch Credit Union

Posted by: Yuki | Apr 7, 2014

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.

Be Careful If You Do Not Have Time To Babysit Your Bank!!!!!

Posted by: nospam | Jan 24, 2012

We have an account with these people and they recently changed the rules to the accounts by sending out a note in the mail.

They will begin charging for a LONG list of services, not previously charged for and the few optional ones can not be avoided unless you physically go into the bank to get it done.

What was once a good idea, has become a very expensive liability to me, and is now costing time and effort I don't have to go correct a change they decided to make.

If you do not have extra time and energy to babysit your bank, this is not the place for you, as it will not be easy for you to take care of on the phone or online (if you want to do anything online, you have to go into the office first as they do not provide your account number to you through statements or any other means beyond showing up in a branch)...

What a pain...


By far the worst credit union I have ever felt with. They consistently shut off my card, if I made a purchase in a different state or did two separate transactions, they would shut my card off for fraud and I would not be able to access my money nor could I call them! They make you go in to deal with them. I had this problem just recently and called to talk to the supervisor, they were not available and the lady eventually hung up on me after giving me rude remarks!! They transferred me back and forth between the bank and the card holder customer service because they didn't know who is supposed to deal with this. They are very rude, HORRIBLE customer service. Switching out today.



Health Grade Components

NCUA #68505
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.86%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$779.7MM$821.0MM
LoansQ1 2016vs Q1 2015$590.5MM$534.3MM
DepositsQ1 2016vs Q1 2015$689.1MM$678.5MM
Equity CapitalQ1 2016vs Q1 2015$72.4MM$71.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$4.8MM$5.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$4.6MM$4.1MM
Real Estate OwnedQ1 2016vs Q1 2015$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

0.25%$100-HSA Checking
0.25%$100-Non-Profit Savings
0.15%--Chip/Geared Up/On My Own Savings
0.15%--IRA Savings
0.15%--Roth IRA Savings
0.15%--CESA Savings
0.05%--Regular Savings
0.05%-$10kHoliday Club Savings
0.05%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

0.10%*$1m*-Money Fund Accounts
OTHER TIERS: 0.01% Up to $5k | 0.05% $5k - $1mm
0.10%*$1m*-Business Money Fund
OTHER TIERS: 0.01% Up to $5k | 0.05% $5k - $1mm

InTouch Credit Union Checking Account Rates

0.20%*$50k*-Premium Business Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.15%*$5k*-Plus Business Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $5k
0.05%--Regular Business Checking
0.05%*$10k*-Prime Checking
OTHER TIERS: 0.01% $1,500 - $10k
0.01%$500-E-ssential Checking
0.01%$1,500-Momentum Checking
0.01%$2,500-On My Own/Geared Up Checking

InTouch Credit Union CD Rates

1.70%$95k-60 Month Jumbo CD
1.70%$95k-Business 60 Month Jumbo CD
1.65%$1k$95k60 Month CD
1.65%$1k$95kBusiness 60 Month CD
1.35%$95k-48 Month Jumbo CD
1.35%$95k-Business 48 Month Jumbo CD
1.30%$1k$95k48 Month CD
1.30%$1k$95kBusiness 48 Month CD
1.20%$95k-36 Month Jumbo CD
1.20%$95k-Business 36 Month Jumbo CD
1.15%$1k$95k36 Month CD
1.15%$1k$95kBusiness 36 Month CD
1.00%$95k-24 Month Jumbo CD
1.00%$95k-30 Month Jumbo CD
1.00%$95k-Business 24 Month Jumbo CD
1.00%$95k-Business 30 Month Jumbo CD
0.95%$1k$95k24 Month CD
0.95%$1k$95k30 Month CD
0.95%$1k$95kBusiness 24 Month CD
0.95%$1k$95kBusiness 30 Month CD
0.70%$95k-18 Month Jumbo CD
0.70%$95k-Business 18 Month Jumbo CD
0.65%$1k$95k18 Month CD
0.65%$1k$95kBusiness 18 Month CD
0.60%$95k-12 Month Jumbo CD
0.60%$250-Youth/Young Adult 12-Month Certificate
0.60%$95k-Business 12 Month Jumbo CD
0.55%$1k$95k12 Month CD
0.55%$1k$95kBusiness 12 Month CD
0.15%$95k-3 Month Jumbo CD
0.15%$95k-6 Month Jumbo CD
0.15%$95k-Business 3 Month Jumbo CD
0.15%$95k-Business 6 Month Jumbo CD
0.10%$1k$95k3 Month CD
0.10%$1k$95k6 Month CD
0.10%$1k$95kBusiness 3 Month CD
0.10%$1k$95kBusiness 6 Month CD

InTouch Credit Union IRA Rates

1.70%$95k-60 Month Jumbo IRA
1.65%$1k$95k60 Month IRA
1.35%$95k-48 Month Jumbo IRA
1.30%$1k$95k48 Month IRA
1.20%$95k-36 Month Jumbo IRA
1.15%$1k$95k36 Month IRA
1.00%$95k-24 Month Jumbo IRA
1.00%$95k-30 Month Jumbo IRA
0.95%$1k$95k24 Month IRA
0.95%$1k$95k30 Month IRA
0.70%$95k-18 Month Jumbo IRA
0.65%$1k$95k18 Month IRA
0.60%$95k-12 Month Jumbo IRA
0.60%$250-Youth/Young Adult 12-Month IRA Certificate
0.55%$1k$95k12 Month IRA
0.15%$95k-3 Month Jumbo IRA
0.15%$95k-6 Month Jumbo IRA
0.10%$1k$95k3 Month IRA
0.10%$1k$95k6 Month IRA

InTouch Credit Union has 21 locations. Click to view all InTouch Credit Union locations.