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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

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

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.

Intouch Credit Union Is The Worst Banking Institution

Posted by: DCA | Dec 6, 2016

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.

Used To Be Great -- Now Really Bad

I was a member here for about 30 years. It used to be a very good place, but over the last 10 years or so, it has gone downhill steadily.

Recently, due to a terrible ITCU policy change, I decided to close my accounts. I wrote a letter, giving the 3 accounts to close, how much was in each, etc, saying I wanted all 3 closed and a check sent. They closed 2 of the accounts and ignored the 3rd one. I had to call, they emailed me a form, and I had to send it in. They couldn't research my original letter because "the back office shreds everything". They won't stay in business like this!

Bad, bad place. Go elsewhere.



Health Grade Components

NCUA #68505
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.09%
Annual Interest Income$20.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$783.2MM$750.8MM
LoansQ3 2016vs Q3 2015$601.2MM$569.4MM
DepositsQ3 2016vs Q3 2015$686.8MM$654.0MM
Equity CapitalQ3 2016vs Q3 2015$72.7MM$71.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$5.2MM$5.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$4.3MM$4.7MM
Real Estate OwnedQ3 2016vs Q3 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

0.60%-$10kHoliday 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
0.25%--Roth IRA Savings
0.25%--CESA Savings
0.15%--Regular Savings
0.05%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

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
0.10%*$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
0.20%$2,500-On My Own/Geared Up Checking
0.15%*$5k*-Plus Business Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $5k
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

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
1.36%$5k-3 Year Bump Rate CD Special
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
1.24%$5k-2 Year Bump Rate CD Special
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
0.85%$95k-12 Month Jumbo CD
0.80%$1k$95k12 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%$250-Youth/Young Adult 12-Month Certificate
0.60%$95k-Business 12 Month Jumbo CD
0.55%$95k-6 Month Jumbo CD
0.55%$1k$95kBusiness 12 Month CD
0.50%$1k$95k6 Month CD
0.40%$95k-3 Month Jumbo CD
0.35%$1k$95k3 Month CD
0.15%$95k-Business 3 Month Jumbo CD
0.15%$95k-Business 6 Month Jumbo 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
1.36%$5k-3 Year Bump Rate IRA Special
1.35%$95k-48 Month Jumbo IRA
1.30%$1k$95k48 Month IRA
1.24%$5k-2 Year Bump Rate IRA Special
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
0.85%$95k-12 Month Jumbo IRA
0.80%$1k$95k12 Month IRA
0.70%$95k-18 Month Jumbo IRA
0.65%$1k$95k18 Month IRA
0.60%$250-Youth/Young Adult 12-Month IRA Certificate
0.55%$95k-6 Month Jumbo IRA
0.50%$1k$95k6 Month IRA
0.40%$95k-3 Month Jumbo IRA
0.35%$1k$95k3 Month IRA

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