Mid-Tex Federal Credit Union

Review of MTFCU

For savings accounts, you need a minimum of $25 to keep it open and going. They do not have a mobile app which is disappointing. They do offer online banking. Their electronic deposits are slower than the national banks, so I don't get paid as quickly as my co-workers. You can set up electronic deposits easily. When getting your ATM card for the first time, it does take a week to ten days. They do not make them there. The fees for checking is very reasonable at only three dollars a month with no minimum balance so you can wipe out all of your money paying bills and they won't charge a fee for a low balance. I never have to wait when I go in. I had to change my name last month and they took care of me quickly without a wait. I do not know about the CD rates because I have never asked about or gotten one with them. They do pay for a $2000 life insurance policy for their members, so that is another good thing about them.