United Texas Credit Union is headquartered in San Antonio and is the 69th largest credit union in the state of Texas. It is also the 828th largest credit union in the nation. It was established in 1955 and as of June of 2023, it had grown to 56 employees and 22,765 members at 6 locations. United Texas Credit Union's savings rates are 7X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school, and businesses and legal entities in the Texas counties of Bexar, Kendall, Tarrant, and the portion of Comal County that lies west of U.S. Highway 281. Members of Friends of Consumer Freedom living in Tarrant, Denton, or Johnson Counties also qualify for membership.
See current membership details
One Of The Very Best Credit Unions!
My experience of United SA FCU is excellent. Great customer service, personal, fast and efficient. They also have great rates on loans. You will feel well taken care about here.Way much better experience than with the big banks that just see you as an account not a person.
Great Credit Union!
I love banking with united Sa they are great place to do my banking. I go to the branch in the medical center area and they are great. I am so happy to bank with them!
Certified Checks
Made a CERTIFIED CHECK deposit to one of their sister credit unions and now have to wait 12 days from deposit before I can access my money. First I'm told it's because they can't see an image of the check.... When asked if they requested an image they couldn't seem to respond....Then I'm told it's because a stop pay could be put on the Certified check...... Then I'm told they have to receive notice from the Federal Reserve that the check is good.....Asked to speak to a Supervisor and was refused.....I've banked with them in one iteration or another for 29 years and this is the kind of service I get. Can't imagine how they treat new customers.
Overall Rating
I have been with this bank for over a year now and have been completely unsatisfied. I have never felt so unprotected in my history of dealing with banks. I came to a credit union so I could get that extra protection I needed from scans and fraud. This specific bank fails to ever help me with any matter they have always let me down. It's quite upsetting. They have some good people who work here but overall I don't feel that this bank is here to help and protect me against fraud or anything of that nature.
Check Cashing Fee
I don't bank with United FCU, But a good friend of mine does and he wrote me a check for $150. I drove to the teller window and they said I had to go inside. I was to surprise they were charging me $6.00 because I am not a member. I thought it was ridiculous from a supposedly consumer oriented financial institution. I bank with Wells Fargo and they have no such fee, account holder or not.
Manny
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 97107 |
| Year Chartered | 1955 |
| Employees | 56 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.5% |
| Return on Equity - YTD | 9.49% |
| Annual Interest Income | $8.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $405.3MM$394.6MM |
| Loans | Q2 2023vs Q2 2022 | $310.7MM$283.3MM |
| Deposits | Q2 2023vs Q2 2022 | $370.6MM$359.8MM |
| Equity Capital | Q2 2023vs Q2 2022 | $21.1MM$22.6MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$220.00K |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $1.3MM$260.00K |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |