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Overview / Commentary
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 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.
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Very customer focused

Posted by: Misleyer | Sep 27, 2017

I've been using InTouch Credit Union in Sterling, VA for several years now. Each visit has always been a good experience. It's rarely very busy so I can get in and out and get exactly what I need in just minutes. I like the fact that when I walk in, I'm always greeted and acknowledged by the employees there. They do this for everyone and it just sets the right tone. They're also very professional, helpful and friendly. I've used other banking institutions where the employees seem to be overwhelmed and unhappy to be there, but not at InTouch. I usually come in with several checks for deposit. Many times as I've begun filling out a deposit slip, if an employee is done helping the customer they were with, they call me over and assist me right away even without having completed the deposit slip. They're just efficient and make you feel like your time is important. Their lobby area has water and coffee, seating, and a bonus for me - crayons and paper for children waiting for their parents to get their transactions done. My kids actually look forward to going to the bank with me for this reason. I think this says a lot about this credit union. They want you to have a pleasant visit. Also, it's occurred quite often that when an employee sees my children and I approaching the front door, they've come to hold it open for us to make us feel welcome. It's definitely a great institution and I'd highly recommend it to anybody.

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.

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.

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Health
B+

Health Grade Components

Overall
NCUA #68505
Year Chartered1974
Employees186
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.71%
Annual Interest Income$20.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$796.6MM$783.2MM
LoansQ3 2017vs Q3 2016$650.7MM$601.2MM
DepositsQ3 2017vs Q3 2016$698.5MM$686.8MM
Equity CapitalQ3 2017vs Q3 2016$72.8MM$72.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.5MM$5.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$4.5MM$4.3MM
Real Estate OwnedQ3 2017vs Q3 2016$143.00K$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
0.70%-$10kHoliday Club Savings
0.50%$100-HSA Checking
0.35%--IRA Savings
0.35%$100-Non-Profit Savings
0.30%--Chip/Geared Up/On My Own Savings
0.25%$25-Regular Savings
0.25%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$1m*-Money Fund Accounts
OTHER TIERS: 0.20% Up to $5k | 0.25% $5k - $25k | 0.30% $25k - $100k | 0.35% $100k - $350k | 0.40% $350k - $700k | 0.45% $700k - $1mm
0.50%*$1m*-Business Money Fund
OTHER TIERS: 0.20% Up to $5k | 0.25% $5k - $25k | 0.30% $25k - $100k | 0.35% $100k - $350k | 0.40% $350k - $700k | 0.45% $700k - $1mm

InTouch Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%$95k-60 Month Jumbo CD
2.31%$95k-Business 60 Month Jumbo CD
2.26%$1k$95k60 Month CD
2.26%$1k$95kBusiness 60 Month CD
2.01%$95k-48 Month Jumbo CD
2.01%$95k-Business 48 Month Jumbo CD
1.96%$1k$95k48 Month CD
1.96%$1k$95kBusiness 48 Month CD
1.91%$95k-36 Month Jumbo CD
1.91%$95k-Business 36 Month Jumbo CD
1.86%$1k$95k36 Month CD
1.86%$1k$95kBusiness 36 Month CD
1.85%$5k-36 Month Bump Rate CD Special
1.85%$5k-Business 36 Month Bump CD
1.81%$95k-30 Month Jumbo CD
1.81%$95k-Business 30 Month Jumbo CD
1.76%$1k$95k30 Month CD
1.76%$95k-24 Month Jumbo CD
1.76%$95k-Business 24 Month Jumbo CD
1.76%$1k$95kBusiness 30 Month CD
1.71%$1k$95k24 Month CD
1.71%$1k$95kBusiness 24 Month CD
1.70%$5k-24 Month Bump Rate CD Special
1.70%$5k-Business 24 Month Bump CD
1.51%$95k-18 Month Jumbo CD
1.51%$95k-Business 18 Month Jumbo CD
1.46%$1k$95k18 Month CD
1.46%$95k-12 Month Jumbo CD
1.46%$250-Youth/Young Adult 12-Month Certificate
1.46%$95k-Business 12 Month Jumbo CD
1.46%$1k$95kBusiness 18 Month CD
1.41%$1k$95k12 Month CD
1.41%$1k$95kBusiness 12 Month CD
1.05%$95k-6 Month Jumbo CD
1.05%$95k-Business 6 Month Jumbo CD
1.00%$1k$95k6 Month CD
1.00%$1k$95kBusiness 6 Month CD
0.80%$95k-3 Month Jumbo CD
0.80%$95k-Business 3 Month Jumbo CD
0.75%$1k$95k3 Month CD
0.75%$1k$95kBusiness 3 Month CD

InTouch Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%$95k-60 Month Jumbo IRA
2.26%$1k$95k60 Month IRA
2.01%$95k-48 Month Jumbo IRA
1.96%$1k$95k48 Month IRA
1.91%$95k-36 Month Jumbo IRA
1.86%$1k$95k36 Month IRA
1.85%$5k-36 Month Bump Rate IRA Special
1.81%$95k-30 Month Jumbo IRA
1.76%$95k-24 Month Jumbo IRA
1.76%$1k$95k30 Month IRA
1.71%$1k$95k24 Month IRA
1.70%$5k-24 Month Bump Rate IRA Special
1.51%$95k-18 Month Jumbo IRA
1.46%$95k-12 Month Jumbo IRA
1.46%$250-Youth/Young Adult 12-Month IRA Certificate
1.46%$1k$95k18 Month IRA
1.41%$1k$95k12 Month IRA
1.05%$95k-6 Month Jumbo IRA
1.00%$1k$95k6 Month IRA
0.80%$95k-3 Month Jumbo IRA
0.75%$1k$95k3 Month IRA
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