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InTouch Credit Union


Overview / Commentary
www.itcu.org
800-337-3328
5640 Democracy Drive
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 in the Michigan counties of Genesee, Macomb, or Wayne; the Nevada cities of Henderson, Las Vegas, North Las Vegas, Paradise, Spring Valley, Summerlin South, Sunrise Manor, Whitney, or Winchester; the Texas counties of Collin, Dallas, Denton, or Tarrant; or the Virginia counties of Fairfax or Loudon. Members of Friends of Consumer Freedom Inc. that live or work in Collin, Dallas, Denton or Tarrant Counties also qualify for membership. Current/retired employees (and family members) Caesars/Harrahs, Core Logic, DXC, EDS, First American Financial, Hilton, HP, HPE, HPI, IHG, Keurig Dr Pepper Inc. or Service King are also eligible to join.
See current membership details

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Reviews (27)

Polite, Professional At Sterling, VA Branch

Posted by: |

The 5-10 mile radius FOM is very misleading it includes residents of Fairfax County.

2

CD Rate Increase/Decrease

Posted by: |

FYI reference: https://www.itcu.org/accounts/checking/high-yield

*HYC CDs earn an additional 25 basis points (over regular CD rates) while an HYC account is open and in good standing. The HYC CD rate will be reduced to the equivalent regular CD term (at the time it was opened) if the HYC account is closed while the HYC CD is still open. Rates subject to change without notice. For CD rates and disclosures, visit our All Rates page. "

1

The High-Yield Checking Account Is Capped At $30K (For Purpose Of Earning 2.63%)

Posted by: |

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.

3

WORST CREDIT UNION

Posted by: |

This is the worst credit union I have ever dealt with I opened an account online 7-13-20 it took 7 days for them to start to process my application but only after two calls asking what the status was they said the girl that handles that has been busy …..NICE
So then on 7-24 I deposit a payroll check and was told it would be put on hold as it a new account ..ok no problem
I login on Monday 7-27-20 and it show its avail ok so I pay my bills because it avail right….. nope money was then put on hold until 8-7-20
Its now 8-1-20 and I have already received checks that I ordered but still no Debit card and its going to take 2 weeks to get my paycheck so I can pay my bills

TAKE YOUR MONEY ELSE WHERE THIS PLACE IS A JOKE!!!!

1
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Health
C+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68505
Year Chartered1974
Employees183
Primary Regulator
Profit Margin
Return on Assets - YTD-0.31%
Return on Equity - YTD-3.83%
Annual Interest Income$22.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$974.1MM$1.06B
LoansQ2 2023vs Q2 2022$781.7MM$864.1MM
DepositsQ2 2023vs Q2 2022$819.0MM$864.1MM
Equity CapitalQ2 2023vs Q2 2022$79.7MM$82.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$3.3MM$4.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$10.5MM$6.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not InTouch Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.50%*$5$10kChip's Kids Savings
OTHER TIERS: 0.10% → $10k+
0.50%*$5$10kOn My Own Savings
OTHER TIERS: 0.10% → $10k+
0.50%*$5$10kGeared Up Savings
OTHER TIERS: 0.10% → $10k+
0.25%$100-HSA Checking
0.25%*$10$10kHoliday Club Savings
OTHER TIERS: 0.05% → $10k+
0.25%--Health Savings
0.10%$100-Non-Profit Savings
0.05%$5-Regular Savings
0.05%--IRA Savings
0.05%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$1m*-Money Fund Accounts
OTHER TIERS: 0.25% → Up to $25k | 0.40% → $25k - $350k | 0.50% → $350k - $700k | 4.12% → $700k - $1m
1.61%*$1m*-Business Money Fund
OTHER TIERS: 0.05% → Up to $5k | 0.15% → $5k - $25k | 0.20% → $25k - $100k | 1.01% → $100k - $350k | 1.41% → $350k - $700k | 1.51% → $700k - $1m

InTouch Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.50%$2.5k$30kHigh Yield Checking - Debit Card Use Tier 4 $2,500 - $29,999.99
6.50%$2.5k$30kBusiness High Yield Checking - Debit Card Use Tier 4 $2,500 - $29,999.99
2.50%$1.5k$2.5kHigh Yield Checking - Debit Card Use Tier 3 $1,500 - $2,499.99
2.50%$1.5k$2.5kBusiness High Yield Checking - Debit Card Use Tier 3 $1,500 - $2,499.99
2.00%$750$1.5kHigh Yield Checking - Debit Card Use Tier 2 $750 - $1,499.99
2.00%$750$1.5kBusiness High Yield Checking - Debit Card Use Tier 2 $750 - $1,499.99
0.50%$500$750High Yield Checking - Debit Card Use Tier 1 $500 - $749.99
0.50%$500$750Business High Yield Checking - Debit Card Use Tier 1 $500 - $749.99
0.10%$2.5k-On My Own Checking
0.10%$2.5k-Geared Up Checking
0.05%--Regular Business Checking
0.05%$1.5k-Prime Checking
0.05%--High Yield Checking - Debit Card Use UNDER $500 or OVER $50,000 balance
0.05%--Business High Yield Checking - Debit Card Use UNDER $500 or OVER $50,000 balance
0.01%$1k-Momentum One Checking
0.01%$1k-Momentum Plus Checking

InTouch Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$1k$95k6 Month High Yield Checking CD
4.65%$1k$95kBusiness 6 Month High Yield Checking CD
4.60%$1k$95k12 Month High Yield Checking CD
4.60%$1k$95kBusiness 12 Month High Yield Checking CD
4.40%$1k$95k6 Month CD
4.40%$1k$95kBusiness 6 Month CD
4.40%$250-12 Month Youth/Young Adult Certificate Special
4.35%$1k$95k12 Month CD
4.35%$1k$95kBusiness 12 Month CD
4.35%$1k$95k3 Month High Yield Checking CD
4.35%$1k$95kBusiness 3 Month High Yield Checking CD
4.25%$1k-4 Month CD
4.25%$1k-Business 4 Month CD
4.15%$1k$95k18 Month CD
4.15%$1k$95kBusiness 18 Month CD
4.10%$1k$95k3 Month CD
4.10%$1k$95kBusiness 3 Month CD
4.00%$1k$95k24 Month High Yield Checking CD
4.00%$1k-Business 2 Month Cash!n CD
4.00%$1k-2 Month Cash!n CD
4.00%$1k$95kBusiness 24 Month High Yield Checking CD
3.90%$1k$95k36 Month High Yield Checking CD
3.90%$1k$95kBusiness 36 Month High Yield Checking CD
3.75%$1k$95k24 Month CD
3.75%$1k$95k30 Month CD
3.75%$1k$95kBusiness 24 Month CD
3.75%$1k$95kBusiness 30 Month CD
3.65%$1k$95k36 Month CD
3.65%$1k$95kBusiness 36 Month CD
3.65%$1k$95k60 Month High Yield Checking CD
3.65%$1k$95kBusiness 60 Month High Yield Checking CD
3.55%$1k$95k48 Month CD
3.55%$1k$95kBusiness 48 Month CD
3.40%$1k$95k60 Month CD
3.40%$1k$95kBusiness 60 Month CD
3.00%*$25*$10k12 Month Save to Win CD
OTHER TIERS: 0.05% → $10k+

InTouch Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$1k$95k6 Month IRA
4.35%$1k$95k12 Month IRA
4.15%$1k$95k18 Month IRA
4.10%$1k$95k3 Month IRA
3.75%$1k$95k24 Month IRA
3.75%$1k$95k30 Month IRA
3.65%$1k$95k36 Month IRA
3.55%$1k$95k48 Month IRA
3.40%$1k$95k60 Month IRA
Locations

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.