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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.
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.

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.

If I Could Give A ZERO Rating I Would

Posted by: ChadR | Feb 12, 2016

I've had nothing but terrible experiences with this credit union. On multiple occasions they're late opening the drive-thru windows. They also have really poor customer service. The people are nice, but the process is cumbersome and the hold times are way too long. They work hard to sell you on something, but that's when the great service stops. Once you're locked into a loan, they could care less.
I finally traded in the car that I had financed through them and I'm so excited to be done.
There are more options out there if you like credit unions that have much stronger customer service for their members.

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Health
B+

Health Grade Components

Overall
NCUA #68505
Year Chartered1974
Employees212
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.51%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$782.9MM$791.3MM
LoansQ2 2016vs Q2 2015$596.9MM$546.4MM
DepositsQ2 2016vs Q2 2015$685.5MM$663.7MM
Equity CapitalQ2 2016vs Q2 2015$73.1MM$72.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$5.0MM$5.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$4.4MM$4.8MM
Real Estate OwnedQ2 2016vs Q2 2015$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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

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