The Best Texas Credit Unions in 2024 (2024)

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Texas credit unions are not-for-profit financial cooperatives that serve the people who live, work, attend school, or do business within the state.

The list includes the top-rated credit unions based on asset size. Information is gathered from the most recentNCUAreports.

You can also learn everything you need to know about financial cooperatives in ourcredit union resource.

Top Credit Unions in Texas

  1. RBFCU
  2. Security Service Federal Credit Union
  3. American Airlines Federal Credit Union
  4. TDECU
  5. GECU
  6. Rally Credit Union
  7. Credit Human Federal Credit Union
  8. University Federal Credit Union
  9. EECU
  10. Wellby Federal Credit Union

Continue reading to see the entire list, contact information, and membership eligibility.

1. RBFCU

RBFCU is the largest credit union in Texas, manages over $18 billion in assets, and serves over 1.1 million members.

  • Home Office: 1 IKEA-RBFCU Parkway, Live Oak, TX 78233
  • Telephone: (210) 945-3300

2. Security Service Federal Credit Union

Security Service FCU is the second largest in the state, manages over $13.4 billion in assets, and serves over 775,000 members.

  • Home Office: 15000 Interstate 10, San Antonio, TX 78249
  • Telephone: (800) 527-7328

3. American Airlines Federal Credit Union

American Airlines FCU is the third largest in the state, manages over $8.6 billion in assets, and serves over 355,000 members.

  • Home Office: 14050 FAA Boulevard, Fort Worth, TX 76155
  • Telephone: (817) 952-4100

4. TDECU

TDECU is headquartered in Lake Jackson, manages over $4.7 billion in assets, and serves over 386,000 members.

  • Home Office: 1001 FM 2004, Lake Jackson, TX 77566
  • Telephone: (800) 839-1154

5. GECU

GECU is headquartered in El Paso, manages over $4.4 billion in assets, and serves over 431,000 members.

  • Home Office: 1225 Airway Boulevard, El Paso, TX 79925
  • Telephone: (915) 778-9221

6. Rally Credit Union

Rally CU is headquartered in Corpus Christi, manages over $4.3 billion in assets, and serves over 221,000 members.

  • Home Office: 2730 Rodd Field Road, Corpus Christi, TX 78414
  • Telephone: (800) 622-3631

7. Credit Human Federal Credit Union

Credit Human FCU is headquartered in San Antonio, manages over $4.2 billion in assets, and serves over 240,000 members.

  • Home Office: 6061 W Interstate 10, San Antonio, TX 78201
  • Telephone: (210) 258-1234

8. University Federal Credit Union

University FCU is headquartered in Austin, manages over $4 billion in assets, and serves over 375,000 members.

  • Home Office: 8303 N Mopac Expressway, Austin, TX 78759
  • Telephone: (512) 467-8080

9. EECU

EECU is headquartered in Fort Worth, manages over $3.7 billion in assets, and serves over 279,000 members.

  • Home Office: 1617 West Seventh Street, Fort Worth, TX 76102
  • Telephone: (817) 882-0042

10. Wellby Federal Credit Union

Wellby FCU is headquartered in Houston, manages over $2.7 billion in assets, and serves over 129,000 members.

  • Home Office: 1330 Gemini Street, Houston, TX 77058
  • Telephone: (281) 488-7070

11. A+ Federal Credit Union

A+ FCU is headquartered in Austin, manages over $2.6 billion in assets, and serves over 193,000 members.

  • Home Office: 6420 US Highway 290 East, Austin, TX 78723
  • Telephone: (512) 302-6800

12. First Community Credit Union of Houston

First Community CU of Houston is headquartered in Houstone, manages over $2.5 billion in assets, and serves over 159,000 members.

  • Home Office: 15260 FM 529, Houston, TX 77095
  • Telephone: (281) 856-5300

13. Credit Union of Texas

CU of Texas is headquartered in Allen, manages over $2.5 billion in assets, and serves over 166,000 members.

  • Home Office: 900 W Bethany Drive, Allen, TX 75013
  • Telephone: (972) 263-9497

14. Austin Telco Federal Credit Union

Austin Telco FCU is headquartered in Austin, manages over $2.5 billion in assets, and serves over 92,000 members.

  • Home Office: 11149 Research Boulevard, Austin, TX 78759
  • Telephone: (512) 302-5555

15. Advancial Federal Credit Union

Advancial FCU is headquartered in Dallas, manages over $2.4 billion in assets, and serves over 123,000 members.

  • Home Office: 10000 N Central Expressway, Dallas, TX 75231
  • Telephone: (800) 322-2709

16. Texans Credit Union

Texans CU is headquartered in Richardson, manages over $2.2 billion in assets, and serves over 122,000 members.

  • Home Office: 777 E Campbell Road, Richardson, TX 75081
  • Telephone: (800) 843-5295

17. Texas Trust Credit Union

Texas Trust CU is headquartered in Arlington, manages over $2 billion in assets, and serves over 137,000 members.

  • Home Office: 5850 W Interstate 20, Arlington, TX 76017
  • Telephone: (972) 263-5171

18. Shell Federal Credit Union

Shell FCU is headquartered in Deer Park, manages over $1.8 billion in assets, and serves over 147,000 members.

  • Home Office: 301 E 13th Street, Deer Park, TX 77536
  • Telephone: (713) 844-1100

19. DATCU

DATCU is headquartered in Corinth, manages over $1.6 billion in assets, and serves over 108,000 members.

  • Home Office: 5940 S Interstate 35 E, Corinth, TX 76210
  • Telephone: (940) 387-8585

20. FirstLight Federal Credit Union

FirstLight FCU is headquartered in El Paso, manages over $1.6 billion in assets, and serves over 107,000 members.

  • Home Office: 9993 Kenworthy Street, El Paso, TX 79924
  • Telephone: (915) 562-1172

21. United Heritage Credit Union

United Heritage CU is headquartered in Austin, manages over $1.5 billion in assets, and serves over 78,000 members.

  • Home Office: 12208 N Mopac Expressway, Austin, TX 78758
  • Telephone: (512) 435-4545

22. AMOCO Federal Credit Union

AMOCO FCU is headquartered in Texas City, manages over $1.4 billion in assets, and serves over 106,000 members.

  • Home Office: 2300 Texas Avenue, Texas City, TX 77590
  • Telephone: (409) 948-8541

23. Amplify Credit Union

Amplify CU is headquartered in Austin, manages over $1.4 billion in assets, and serves over 52,000 members.

  • Home Office: 3600 W Parmer Lane, Austin, TX 78727
  • Telephone: (512) 836-5901

24. Red River Credit Union

Red River CU is headquartered in Texarkana, manages over $1.4 billion in assets, and serves over 118,000 members.

  • Home Office: 4405 Summerhill Road, Texarkana, TX 75503
  • Telephone: (903) 735-3000

25. First Service Credit Union

First Service CU is headquartered in Houston, manages over $1.3 billion in assets, and serves over 96,000 members.

  • Home Office: 16430 Park Ten Place, Houston, TX 77084
  • Telephone: (713) 679-7424

Are you banking with any of these credit unions? Leave a review and help others learn more from your experience.

For more CU options, find acredit unionin your area.

The Best Texas Credit Unions in 2024 (2024)

FAQs

The Best Texas Credit Unions in 2024? ›

Wells Fargo is probably the most common bank in Texas, because it has the most branches in the most cities.

What is the most popular bank in Texas? ›

Wells Fargo is probably the most common bank in Texas, because it has the most branches in the most cities.

How many credit unions are there in the US in 2024? ›

As of March 31, 2024, there were 4,572 federally insured credit unions with 140.4 million members.

What is the number one credit union in Texas? ›

1. RBFCU. RBFCU is the largest credit union in Texas, manages over $18 billion in assets, and serves over 1.1 million members.

What credit union is the highest recommended? ›

NerdWallet's High APYs and Easy Membership: Best Credit Unions of 2024
  • Alliant Credit Union.
  • Connexus Credit Union.
  • First Tech Federal Credit Union.
  • PenFed Credit Union.
  • Self-Help Credit Union.
Jun 12, 2024

What is better, a bank or a credit union? ›

The Bottom Line. Credit unions can be ideal for a low-interest loan, lower mortgage closing costs, or reduced fees, but you'll need to qualify for membership. Larger banks may offer you more choices regarding products, apps, and international or commercial products and services, and anyone can join.

Are credit unions safer than banks? ›

Credit unions are generally considered to be safer than banks during economic downturns due to their conservative approach to risk and their emphasis on financial robustness.

What are the three largest credit unions? ›

Largest Credit Unions in the U.S.
Rank by Asset SizeCredit Union NameTotal Assets
1.Navy Federal Credit Union$168.4 billion
2.State Employees' Credit Union$50.68 billion
3.Pentagon Federal Credit Union$35.36 billion
4.Boeing Employees' Credit Union$29.17 billion
6 more rows
May 14, 2024

What is the easiest credit union to join? ›

However, many credit unions near you can provide the benefits of in-person banking and extensive member benefits.
  • 16 Easiest Credit Unions To Join. ...
  • Alliant Credit Union. ...
  • Bethpage Federal Credit Union. ...
  • PenFed Credit Union. ...
  • Affinity Plus Federal Credit Union. ...
  • Connexus Credit Union. ...
  • Teachers Federal Credit Union.
5 days ago

How many credit unions are in Texas? ›

There are 421 credit unions in Texas that serve members from all across the state and beyond, with many credit unions in the largest ten cities including Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, and Irving.

What credit score do most credit unions use? ›

Nearly all lenders in the U.S., including Visions Federal Credit Union, use FICO® Scores, as the industry standard for determining credit worthiness.

How many Texas Trust credit unions are there? ›

Helping Members is Our Story

Several decades later, we are now Texas Trust Credit Union and provide financial services to over 130,000 members in 21 locations all over the local Dallas-Fort Worth, San Angelo, and Athens areas.

What is the best bank for savings accounts in Texas? ›

Best Savings Accounts in Texas Comparison
BestSavings AccountAPY
High-YieldMilli Bank Savings4.75%
$100,000+ BalancesBrio Direct High Yield Savings Account5.30%
Branch AccessCapital One 360 Performance Savings4.25%
StudentsBethpage Federal Credit Union Student Savings Account

Should I have more than one credit union? ›

By spreading your accounts around to different federally insured banks and credit unions, you can get access to having more of your money insured by the NCUA or the FDIC. You can better manage your money and build your savings.

Which credit union has the best CD rates? ›

The best CD rates: our top picks*
  • Alliant Credit Union: Rates up to 5.15%
  • First Internet Bank: Rates up to 5.26%
  • EverBank: Rates up to 5.05%
  • Synchrony: Rates up to 4.90%
  • Marcus by Goldman Sachs: Rates up to 5.00%
  • MYSB Direct: Rates up to 5.20%
  • TAB Bank: Rates up to 5.27%
  • Capital One 360: Rates up to 5.00%

What are the top credit union issues? ›

Here are the top 10 challenges of credit unions in 2024 in order to keep up and stay both relevant and competitive.
  • Digital & AI Transformation. ...
  • Regulatory Compliance. ...
  • Cybersecurity Threats. ...
  • Competing with Larger Banks and FinTechs. ...
  • Membership Growth & Awareness. ...
  • Aging Membership. ...
  • Talent Acquisition and Retention.
Apr 30, 2024

What is the #1 bank in America? ›

1. JPMorgan Chase. JPMorgan Chase, or Chase Bank, is the biggest bank in America with nearly $3.4 trillion in assets. It boasts a vast network of over 4,800 physical branches and more than 15,000 ATMs.

What are the 2 most popular banks? ›

Biggest Banks in the U.S.
Rank by Asset SizeBank NameCustomer Count
1.Chase Bank80 million
2.Bank of America68 million
3.Wells Fargo70 million
4.Citibank200 million accounts globally
6 more rows
May 14, 2024

What bank has the most locations in Texas? ›

Wells Fargo Bank

It's also the largest in Texas, with around 480 branch locations dispersed across the state. If you prefer to bank in person, Wells Fargo offers the most extensive footprint for Texans. Like most national banks, Wells Fargo provides a wide range of banking and other financial products and services.

What is the best bank to work for in Texas? ›

Southside Bank has been named one of the 2023 Best Banks to Work For and lands the number one spot among all Texas banks. American Banker has partnered with Best Companies Group to identify banks that excel at creating positive and supportive workplaces for employees.

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