Borrow with the facts on your side.
Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Credit Unions vs Payday Loans in Texas
376 credit unions are headquartered in Texas, with 10,333,781 members in total. 223 are federal credit unions and 153 are state-chartered; all are federally insured by the NCUA.
- Credit unions
- 376
- Members
- 10.3M
- Federal
- 223
- State-chartered
- 153
- Members per 100 people
- 35
- CUs per 100k people
- 1.3
Credit unions vs payday loan stores in Texas
Texas has 1,720 payday, installment and title loan stores but only 376 credit unions headquartered here — about 4.6 loan stores for every credit union. Local credit unions count 10,333,781 members — roughly 35 memberships per 100 residents.
Credit unions
376
1.3 per 100k residents
10.3M members
Payday & loan stores
1,720
5.8 per 100k residents
18 store chains
Biggest loan store chains in Texas: TitleMax (242), ACE Cash Express (237), Security Finance (229), Western Shamrock Finance (137), Cash Store (128).
What a $500 loan costs over 3 months
| Option | Payment | Total cost |
|---|---|---|
| Payday loan, re-borrowed 6 times (~662%+ APR) | $75.00 every 2 weeks | $450.00 |
| Credit union PAL, 3 monthly payments (28% APR + $20 fee) | $174.50 a month | $43.51 |
- You keep with a credit union PAL over 3 months
- $406.49 payday costs 10× more
Payday: a typical fee of $75 on a $500 loan for 2 weeks (TX limits are not set in dollars), paid 6 times in 3 months. PAL: payday alternative loan from a federal credit union, capped at 28% APR with an application fee of up to $20.
What it means for a household in Texas
- Median household income
- $81,963
- Payday fee of $75, share of two weeks' income
- 2.4%
- Hours of work to pay the $75 fee
- 3.8 hours
- PAL payment of $174.50, share of monthly income
- 2.6%
- A $400 emergency equals
- 1.8 days of income
- Households earning under $25,000
- 15.0%
- Residents below the poverty line
- 13.9%
Income and poverty: U.S. Census Bureau, American Community Survey, by ZIP code; figures for Texas are population-weighted and approximate. Hours of work are based on the median individual income.
Payday loans vs credit union PALs: the rules in Texas
| Payday loan in TX | Credit union PAL | |
|---|---|---|
| Legal status | Allowed | Offered by many federal credit unions |
| Loan amount | No limit (CSO Model) | $200 – $2,000 |
| Fee limit | No state cap (fees set by city ordinances) (Varies) | Application fee up to $20 |
| Typical APR | ~662%+ | Up to 28% |
| Term | Usually 2–4 weeks, due in one payment | 1 to 12 months, in installments |
| Credit check | Usually none; a bank account and income are required | Membership required; payments can be reported to credit bureaus |
Payday rules: Texas law as summarized on our Texas payday page. PAL rules: National Credit Union Administration (NCUA) rules for federal credit unions (PAL I and PAL II); state-chartered credit unions may offer similar small loans.
Credit unions by city in Texas
Credit unions are headquartered in 143 cities and towns across Texas. Pick a city for addresses and websites, or scroll down for the smaller towns.
- Houston · 44
- Austin · 17
- Dallas · 15
- San Antonio · 14
- Fort Worth · 11
- Waco · 10
- Amarillo · 9
- Corpus Christi · 9
- Beaumont · 8
- Texarkana · 7
- Tyler · 7
- Abilene · 6
- El Paso · 6
- Odessa · 6
- Pasadena · 6
- San Angelo · 6
- Wichita Falls · 6
- Midland · 5
- Arlington · 4
- Laredo · 4
- Longview · 4
- Lufkin · 4
- Sugar Land · 4
- Victoria · 4
- Mcallen · 3
- Temple · 3
- Alvin · 2
- Brownsville · 2
- Grand Prairie · 2
- Humble · 2
- Huntsville · 2
- Irving · 2
- Killeen · 2
- Lubbock · 2
- Plano · 2
- Port Arthur · 2
- Richardson · 2
- Allen · 1
- Baytown · 1
- Bryan · 1
- Carrollton · 1
- College Station · 1
- Denton · 1
- Edinburg · 1
- Galveston · 1
- Garland · 1
- Harlingen · 1
- Katy · 1
- League City · 1
- Mansfield · 1
- Mesquite · 1
- Nacogdoches · 1
- Orange · 1
- Pharr · 1
- Sherman · 1
- Tomball · 1
- Waxahachie · 1
All credit unions in Texas
| Credit union | Headquarters | Members | Website |
|---|---|---|---|
| Randolph-Brooks Federal Credit UnionFederal | Universal City | 1,148,891 | rbfcu.org |
| Security Service Federal Credit UnionFederal | San Antonio | 741,871 | ssfcu.org |
| Gecu Federal Credit UnionFederal | El Paso | 444,307 | gecu.com |
| University Federal Credit UnionFederal | Austin | 422,795 | ufcu.org |
| Texas Dow Employees Credit UnionState-chartered | Houston | 400,093 | tdecu.org |
| American Airlines Federal Credit UnionFederal | Fort Worth | 388,005 | aacreditunion.org |
| Eecu Credit UnionState-chartered | Fort Worth | 307,907 | eecu.org |
| Credit Human Federal Credit UnionFederal | San Antonio | 263,451 | credithuman.com |
| Rally Credit UnionState-chartered | Corpus Christi | 240,632 | rallycu.com |
| A+ Federal Credit UnionFederal | Austin | 194,144 | aplusfcu.org |
| First Community Credit UnionState-chartered | Houston | 186,819 | fccu.org |
| Credit Union of TexasState-chartered | Allen | 184,024 | cutx.org |
| Shell Federal Credit UnionFederal | Deer Park | 165,292 | shellfcu.org |
| Texans Credit UnionState-chartered | Richardson | 152,742 | texanscu.org |
| Advancial Federal Credit UnionFederal | Dallas | 141,745 | advancial.org |
| Texas Trust Credit UnionState-chartered | Mansfield | 138,569 | texastrustcu.org |
| Jsc Federal Credit UnionFederal | Houston | 126,357 | wellbyfinancial.com |
| Red River Employees Federal Credit UnionFederal | Texarkana | 124,743 | rrfcu.com |
| Datcu Credit UnionState-chartered | Denton | 112,942 | datcu.org |
| First Service Credit UnionState-chartered | Houston | 108,239 | fscu.com |
| East Texas Professional Credit UnionState-chartered | Longview | 104,913 | etpcu.org |
| Firstlight Federal Credit UnionFederal | El Paso | 98,481 | firstlightfcu.org |
| Amoco Federal Credit UnionFederal | Texas City | 96,998 | amocofcu.org |
| Austin Telco Federal Credit UnionFederal | Austin | 95,564 | atfcu.org |
| Firstmark Credit UnionState-chartered | San Antonio | 89,089 | firstmarkcu.org |
| Rave Financial Credit UnionState-chartered | Beaumont | 88,140 | bankwithrave.com |
| United Heritage Credit UnionState-chartered | Austin | 83,638 | uhcu.org |
| Neches Federal Credit UnionFederal | Port Neches | 82,912 | nechesfcu.org |
| Raiz Federal Credit UnionFederal | El Paso | 79,277 | raiz.us |
| Greater Texas Federal Credit UnionFederal | Austin | 75,261 | gtfcu.org |
| Fort Worth Community Credit UnionState-chartered | Bedford | 74,260 | worthcu.org |
| Intouch Credit UnionState-chartered | Plano | 72,819 | itcu.org |
| Velocity Credit UnionState-chartered | Austin | 71,906 | velocitycu.com |
| Resource One Credit UnionState-chartered | Dallas | 70,924 | r1cu.org |
| Neighborhood Credit UnionState-chartered | Dallas | 68,342 | myncu.com |
| Brazos Valley Schools Credit UnionState-chartered | Katy | 65,058 | bvscu.org |
| Texas Bay Credit UnionState-chartered | Houston | 61,095 | texasbaycu.org |
| Gulf Coast Educators Federal Credit UnionFederal | Pasadena | 61,066 | gcefcu.org |
| Southwest Airlines Federal Credit UnionFederal | Dallas | 60,152 | swacu.org |
| Houston Federal Credit UnionFederal | Sugar Land | 60,128 | houstonfcu.org |
| Smart Financial Credit UnionState-chartered | Houston | 59,807 | smartcu.org |
| Soarion Federal Credit UnionFederal | San Antonio | 58,938 | soarion.org |
| Community Resource Credit UnionState-chartered | Baytown | 58,588 | crcu.org |
| Fivepoint Credit UnionState-chartered | Nederland | 58,218 | 5pointcu.org |
| Abilene Teachers Federal Credit UnionFederal | Abilene | 56,716 | abileneteachersfcu.org |
| Texell Credit UnionState-chartered | Temple | 54,334 | texell.org |
| Primeway Federal Credit UnionFederal | Houston | 49,745 | primewayfcu.com |
| Amplify Credit UnionState-chartered | Austin | 47,585 | goamplify.com |
| Generations Community Federal Credit UnionFederal | San Antonio | 47,193 | mygenfcu.org |
| Members Choice Credit UnionState-chartered | Houston | 46,947 | mccu.com |
| Associated Credit Union of TexasState-chartered | League City | 44,225 | openlandcu.com |
| Complex Community Federal Credit UnionFederal | Odessa | 44,122 | comcfcu.com |
| My Community Credit UnionState-chartered | Midland | 43,979 | mccu.coop |
| Education Credit UnionState-chartered | Amarillo | 41,649 | educationcu.com |
| Security First Federal Credit UnionFederal | Mcallen | 40,489 | securityfirstcu.com |
| Genco Federal Credit UnionFederal | Waco | 38,363 | gencofcu.org |
| Dugood Federal Credit UnionFederal | Beaumont | 37,857 | dugood.org |
| Texas Tech Federal Credit UnionFederal | Lubbock | 36,472 | texastechfcu.org |
| Union Square Credit UnionState-chartered | Wichita Falls | 35,371 | unionsquare.org |
| Coastlife Credit UnionState-chartered | Corpus Christi | 34,532 | coastlifecu.com |
| City Credit UnionState-chartered | Dallas | 33,792 | citycu.org |
| Houston Police Federal Credit UnionFederal | Houston | 33,086 | hpcu.coop |
| Education First Federal Credit UnionFederal | Beaumont | 32,587 | educationfirstfcu.org |
| America's Credit UnionState-chartered | Garland | 31,666 | americascu.org |
| First Basin Credit UnionState-chartered | Odessa | 30,078 | firstbasin.com |
| Schlumberger Employees Credit UnionState-chartered | Sugar Land | 28,138 | secutx.com |
| Texar Federal Credit UnionFederal | Texarkana | 28,131 | gotexar.com |
| Priority Trust Credit UnionState-chartered | Houston | 28,089 | prioritytrustcu.org |
| Texoma Community Credit UnionState-chartered | Wichita Falls | 28,049 | texomacu.com |
| Acfcu Federal Credit UnionFederal | Amarillo | 27,963 | acfcu.org |
| Border Federal Credit UnionFederal | Del Rio | 27,636 | borderfcu.com |
| Educators Credit UnionState-chartered | Waco | 27,453 | ecutx.org |
| Cy-Fair Federal Credit UnionFederal | Houston | 25,878 | cyfairfcu.org |
| Unity One Credit UnionState-chartered | Fort Worth | 24,949 | unityone.org |
| Gulf Credit UnionState-chartered | Groves | 24,643 | gecu.org |
| 1st Community Federal Credit UnionFederal | San Angelo | 23,575 | 1cfcu.org |
| Pecu Credit UnionState-chartered | Austin | 21,602 | pecutx.org |
| Mobility Credit UnionState-chartered | Irving | 20,838 | mobilitycu.com |
| First Central Credit UnionState-chartered | Waco | 20,753 | firstcentralcu.com |
| Harris County Federal Credit UnionFederal | Houston | 20,015 | hcfcu.com |
| Energy Capital Credit UnionState-chartered | Houston | 19,696 | eccu.net |
| Nizari Progressive Federal Credit UnionFederal | Sugar Land | 19,114 | nizaricu.org |
| The People's Federal Credit UnionFederal | Amarillo | 18,741 | tpfcu.com |
| Members Choice of Central Texas Federal Credit UnionFederal | Waco | 18,295 | mcctfcu.com |
| Gulf Coast Federal Credit UnionFederal | Corpus Christi | 18,259 | gulfcoastfcu.com |
| Laredo Federal Credit UnionFederal | Laredo | 18,088 | laredofcu.org |
| Houston Texas Fire Fighters Federal Credit UnionFederal | Houston | 17,733 | htfffcu.org |
| Rio Grande Valley Credit UnionState-chartered | Harlingen | 17,611 | rgvcu.coop |
| Westex Community Credit UnionState-chartered | Kermit | 17,037 | wccu.net |
| Fort Worth City Credit UnionState-chartered | Fort Worth | 16,282 | fwccu.org |
| Cal-Com Federal Credit UnionFederal | Port Lavaca | 15,929 | calcomfcu.org |
| Centex Citizens Credit UnionState-chartered | Mexia | 15,617 | centexcitizenscu.com |
| Texasgulf Federal Credit UnionFederal | Wharton | 14,934 | texasgulffcu.org |
| Membersource Credit UnionState-chartered | Houston | 14,907 | membersourcecu.org |
| Pantex Federal Credit UnionFederal | Borger | 14,640 | pantexfcu.com |
| La Joya Area Federal Credit UnionFederal | La Joya | 14,429 | lajoyacreditunion.coop |
| Santa Fe Federal Credit UnionFederal | Amarillo | 14,370 | santafefcu.com |
| Capitol Credit UnionState-chartered | Austin | 14,217 | ccutx.org |
| Beacon Federal Credit UnionFederal | La Porte | 14,204 | beaconfed.org |
| Evolve Federal Credit UnionFederal | El Paso | 14,099 | evolvefcu.org |
| Kerr County Federal Credit UnionFederal | Kerrville | 13,906 | kerrcountyfcu.com |
| United Community Credit UnionState-chartered | Houston | 13,596 | unitedccu.com |
| Access Community Credit UnionState-chartered | Amarillo | 13,435 | accesscreditunion.com |
| Southwest Heritage Credit UnionState-chartered | Odessa | 13,108 | swhcu.com |
| Sabine Federal Credit UnionFederal | Orange | 12,874 | sabinefcu.org |
| Members First Credit UnionState-chartered | Corpus Christi | 12,657 | m1st.org |
| Synergy Federal Credit UnionFederal | San Antonio | 12,314 | synergyfcu.org |
| H E B Federal Credit UnionFederal | San Antonio | 12,144 | hebfcu.org |
| Naft Federal Credit UnionFederal | Pharr | 12,072 | naftfcu.coop |
| Pioneer Mutual Federal Credit UnionFederal | Sugar Land | 11,951 | pioneeronline.org |
| Chocolate Bayou Community Federal Credit UnionFederal | Alvin | 11,827 | chocolatebayou.org |
| Lone Star Credit UnionState-chartered | Dallas | 11,776 | lonestarcu.org |
| Doches Credit UnionState-chartered | Nacogdoches | 11,737 | dochescu.com |
| River City Federal Credit UnionFederal | San Antonio | 11,716 | rivercityfcu.org |
| Community Service Credit UnionState-chartered | Huntsville | 11,379 | cscutx.com |
| Tarrant County's Credit UnionState-chartered | Fort Worth | 11,314 | tccu-tx.com |
| Coastal Community Federal Credit UnionFederal | Galveston | 11,008 | coastalcommunityfcu.org |
| Communities of Abilene Federal Credit UnionFederal | Abilene | 11,003 | coafcu.org |
| One Source Federal Credit UnionFederal | El Paso | 10,823 | onesourcefcu.coop |
| Citizens Federal Credit UnionFederal | Big Spring | 10,679 | citizensfcu.com |
| Kelly Community Federal Credit UnionFederal | Tyler | 10,637 | kellycommunity.org |
| Texas Plains Federal Credit UnionFederal | Amarillo | 9,943 | texasplainsfederal.org |
| Memorial Credit UnionState-chartered | Houston | 9,907 | memorialcu.org |
| Southwest 66 Credit UnionState-chartered | Odessa | 9,526 | southwest66.com |
| Government Employees Federal Credit UnionFederal | Austin | 9,467 | gefcu-austin.org |
| Chemcel Federal Credit UnionFederal | Bishop | 9,394 | chemcel.org |
| Valley Federal Credit UnionFederal | Brownsville | 9,380 | vfcu.net |
| Libertyone Credit UnionState-chartered | Arlington | 9,350 | libertyonecu.com |
| First Watch Federal Credit UnionFederal | Abilene | 9,348 | myfwcu.org |
| Telco Plus Credit UnionState-chartered | Longview | 9,168 | telcoplus.org |
| Texan Sky Federal Credit UnionFederal | Dumas | 8,999 | texansky.com |
| Members Trust of the Southwest Federal Credit UnionFederal | Houston | 8,871 | mtfcu.coop |
| Members Credit UnionState-chartered | Cleburne | 8,665 | memberscreditunion.com |
| Texoma Educators Federal Credit UnionFederal | Sherman | 8,418 | texomaeducators.com |
| Wellspring Federal Credit UnionFederal | Bridge City | 8,311 | wellspringcu.com |
| Allied Federal Credit UnionFederal | Arlington | 8,301 | alliedfcu.com |
| Hereford Texas Federal Credit UnionFederal | Hereford | 8,279 | herefordtexasfcu.com |
| Rockdale Federal Credit UnionFederal | Rockdale | 8,211 | rockdalefcu.org |
| Prestige Community Credit UnionState-chartered | Dallas | 7,817 | prestigecu.org |
| U. S. Employees Credit UnionState-chartered | Tomball | 7,564 | usecreditunion.com |
| Baptist Credit UnionState-chartered | San Antonio | 7,547 | baptistcu.org |
| Southwest Financial Federal Credit UnionFederal | Farmers Branch | 7,438 | swfinancial.org |
| 4U Federal Credit UnionFederal | Gainesville | 7,349 | 4ucu.org |
| Mtcu Credit UnionState-chartered | Midland | 7,306 | mtcu.org |
| Southland Federal Credit UnionFederal | Lufkin | 7,111 | southlandfcu.com |
| Heritage Usa Federal Credit UnionFederal | Midland | 6,926 | heritage-usa.net |
| Westex Federal Credit UnionFederal | Lubbock | 6,783 | westex.org |
| Texas Bridge Credit UnionState-chartered | Corpus Christi | 6,727 | txbcu.com |
| Fannin Federal Credit UnionFederal | Bonham | 6,717 | fannincu.com |
| Concho Educators Federal Credit UnionFederal | San Angelo | 6,702 | conchoeducators.org |
| Bp Federal Credit UnionFederal | Houston | 6,441 | bpfcu.org |
| My Credit UnionState-chartered | Haslet | 6,441 | mycutx.com |
| Wichita Falls Teachers Federal Credit UnionFederal | Wichita Falls | 6,265 | wftfcu.com |
| Edinburg Teachers Credit UnionState-chartered | Edinburg | 6,206 | etcu.coop |
| South Texas Federal Credit UnionFederal | Mcallen | 6,195 | southtexasfcu.com |
| Metro Medical Credit UnionState-chartered | Dallas | 6,162 | mmcu.com |
| Union Fidelity Federal Credit UnionFederal | Houston | 5,943 | unionfidelityfcu.com |
| Postel Family Credit UnionState-chartered | Wichita Falls | 5,826 | postelcu.com |
| Texas Dps Credit UnionState-chartered | Austin | 5,762 | txdpscu.org |
| Baycel Federal Credit UnionFederal | Bay City | 5,495 | baycel.org |
| Select Federal Credit UnionFederal | San Antonio | 5,462 | selectfcu.org |
| Southwest Research Center Federal Credit UnionFederal | San Antonio | 5,409 | swrcfcu.com |
| Domino Federal Credit UnionFederal | Texarkana | 5,189 | dominofcu.com |
| West Texas Credit UnionState-chartered | Odessa | 5,135 | westtexascu.com |
| Lufkin Federal Credit UnionFederal | Lufkin | 5,103 | lufkinfcu.com |
| Freestone Credit UnionState-chartered | Teague | 5,062 | freestonecu.org |
| Walker County Federal Credit UnionFederal | Huntsville | 5,049 | walkercountyfcu.com |
| Irving City Employees Federal Credit UnionFederal | Irving | 5,045 | icefcu.com |
| Baylor Health Care System Credit UnionState-chartered | Dallas | 4,936 | bhcscu.com |
| Cherokee County Federal Credit UnionFederal | Rusk | 4,860 | cctfcu.com |
| Texas Health Credit UnionState-chartered | Austin | 4,816 | thcu.org |
| Mountain Star Federal Credit UnionFederal | El Paso | 4,784 | mountainstarfcu.org |
| Bcm Federal Credit UnionFederal | Houston | 4,723 | bcmfcu.com |
| Service 1st Credit UnionState-chartered | Greenville | 4,705 | s1cu.org |
| Scott and White Employees Credit UnionState-chartered | Temple | 4,688 | swecu.org |
| Starr County Teachers Federal Credit UnionFederal | Rio Grande City | 4,581 | starrcountyteachersfcu.com |
| Cabot Community Credit UnionState-chartered | Pampa | 4,436 | cabotccu.com |
| Heart O' Texas Federal Credit UnionFederal | Waco | 4,434 | hotfcu.org |
| Cooperative Teachers Credit UnionState-chartered | Tyler | 4,416 | coopteachers.com |
| Kbr Heritage Federal Credit UnionFederal | Houston | 4,364 | kbrhfcu.org |
| Caprock Federal Credit UnionFederal | Lamesa | 4,325 | caprockcu.com |
| Caprock Santa Fe Credit UnionState-chartered | Slaton | 4,287 | csfcu.org |
| Big Spring Education Employees Federal Credit UnionFederal | Big Spring | 4,278 | bstcu.com |
| Cosden Federal Credit UnionFederal | Big Spring | 4,272 | cosden.org |
| Lifetime Federal Credit UnionFederal | Richardson | 4,215 | lifetimefcu.org |
| Hockley County Credit UnionState-chartered | Levelland | 4,197 | hockleycountycu.org |
| Local 20 Ibew Federal Credit UnionFederal | Grand Prairie | 4,071 | local20ibewfcu.com |
| The Local Federal Credit UnionFederal | Dallas | 4,006 | thelocalfcu.com |
| City Public Service/Ibew Federal Credit UnionFederal | San Antonio | 3,926 | cpsibewfcu.org |
| San Angelo Federal Credit UnionFederal | San Angelo | 3,903 | safcu.com |
| Southern Federal Credit UnionFederal | Houston | 3,655 | southernfederalcu.org |
| Common Cents Federal Credit UnionFederal | Beaumont | 3,647 | commoncentscu.com |
| Lubrizol Employees' Credit UnionState-chartered | Deer Park | 3,484 | lzecu.org |
| Beaumont Community Credit UnionState-chartered | Beaumont | 3,407 | bmtccu.com |
| Travis County Credit UnionState-chartered | Austin | 3,400 | tccu.net |
| United Energy Credit UnionState-chartered | Humble | 3,368 | unitedenergycu.com |
| Highway District 21 Federal Credit UnionFederal | Mcallen | 3,352 | highwaydistrict21fcu.com |
| Corner Stone Credit UnionState-chartered | Lancaster | 3,333 | cornerstonecreditunion.net |
| Members Financial Federal Credit UnionFederal | Midland | 3,301 | membersffcu.org |
| Houston Highway Credit UnionState-chartered | Houston | 3,264 | hhcu.org |
| Mid-Tex Federal Credit UnionFederal | Brownwood | 3,197 | mtfcu.org |
| Gulf Shore Federal Credit UnionFederal | Texas City | 3,115 | gulfshorefcu.org |
| Tyler City Employees Credit UnionState-chartered | Tyler | 3,091 | tylercityecu.com |
| Port Arthur Teachers Federal Credit UnionFederal | Port Arthur | 3,065 | patfcu.org |
| Windthorst Federal Credit UnionFederal | Windthorst | 3,058 | windthorstfcu.org |
| Old Ocean Federal Credit UnionFederal | Sweeny | 3,017 | oofcu.org |
| Trinity Valley Teachers Credit UnionState-chartered | Palestine | 2,956 | tvtcu.com |
| Rocket Federal Credit UnionFederal | Mcgregor | 2,933 | rocketfcu.com |
| Keystone Credit UnionState-chartered | Tyler | 2,931 | kscfcu.org |
| Star Financial Credit UnionState-chartered | Corpus Christi | 2,918 | starcu.com |
| Star of Texas Credit UnionState-chartered | Austin | 2,903 | staroftexascu.org |
| Texas Community Federal Credit UnionFederal | Kingsville | 2,880 | texasfcu.org |
| Mesquite Credit UnionState-chartered | Mesquite | 2,873 | mesquitecu.org |
| Met Tran Federal Credit UnionFederal | Houston | 2,854 | metranfcu.com |
| Sacred Heart Parish Hallettsville Federal Credit UnionFederal | Hallettsville | 2,821 | shpcu.org |
| Shared Resources Credit UnionState-chartered | Pasadena | 2,787 | srcu.net |
| Wichita Falls Federal Credit UnionFederal | Wichita Falls | 2,766 | wichitafallsfcu.com |
| Brownfield Federal Credit UnionFederal | Brownfield | 2,750 | brownfieldfcu.com |
| Southern Star Credit UnionState-chartered | Houston | 2,741 | southernstarcu.org |
| City Federal Credit UnionFederal | Amarillo | 2,722 | cityfederalcu.com |
| Aspire Credit UnionState-chartered | Lufkin | 2,636 | aspirecu.org |
| Alcon Employees Federal Credit UnionFederal | Fort Worth | 2,619 | alconefcu.org |
| Liberty County Teachers Federal Credit UnionFederal | Liberty | 2,602 | libertycu.com |
| Nspire Federal Credit UnionFederal | Sinton | 2,562 | nspirefcu.com |
| Germania Credit UnionState-chartered | Brenham | 2,535 | germaniacreditunion.com |
| Trans Texas Southwest Credit UnionState-chartered | San Angelo | 2,516 | transtexas.coop |
| Austin Federal Credit UnionFederal | Austin | 2,498 | austinfcu.com |
| Matagorda County Credit UnionState-chartered | Bay City | 2,460 | matagordaccu.com |
| Mopac Employees Federal Credit UnionFederal | Palestine | 2,429 | mopaccu.com |
| Valwood Park Federal Credit UnionFederal | Carrollton | 2,426 | valwoodparkfcu.com |
| Northeast Panhandle Teachers Federal Credit UnionFederal | Perryton | 2,421 | sites.google.com |
| Port Arthur Community Federal Credit UnionFederal | Port Arthur | 2,355 | pac-fcu.com |
| Neiman Marcus Group Employees Federal Credit UnionFederal | Dallas | 2,314 | theneighborgood.com |
| Golden Triangle Federal Credit UnionFederal | Groves | 2,306 | gtfcu.coop |
| Cowboy Country Federal Credit UnionFederal | Premont | 2,260 | cowboycountryfcu.com |
| Tex Mex Credit UnionState-chartered | Laredo | 2,228 | tmcu.org |
| Ellis County Teachers and Employees Federal Credit UnionFederal | Waxahachie | 2,224 | ectefcu.net |
| Bayou City Federal Credit UnionFederal | Houston | 2,219 | bayoucityfcu.org |
| Northeast Texas Teachers Federal Credit UnionFederal | Paris | 2,168 | nettfcu.com |
| Anderson County Federal Credit UnionFederal | Palestine | 2,125 | ancfcu.com |
| U. S. I. Federal Credit UnionFederal | Deer Park | 2,125 | usifcu.com |
| Lcra Credit UnionState-chartered | Austin | 2,115 | lcracu.org |
| United Credit UnionState-chartered | Tyler | 2,088 | unitedcu.coop |
| Brazos Star Credit UnionState-chartered | College Station | 2,016 | brazosstarcu.com |
| Laredo Fire Department Federal Credit UnionFederal | Laredo | 1,986 | laredofirecreditunion.com |
| Brazos Community Credit UnionState-chartered | Alvin | 1,957 | brazosccu.org |
| Waco Federal Credit UnionFederal | Waco | 1,947 | wacofcu.org |
| Alpine Community Credit UnionState-chartered | Alpine | 1,944 | — |
| Texas People Federal Credit UnionFederal | Fort Worth | 1,927 | fwtpfcu.org |
| Greater Central Texas Federal Credit UnionFederal | Killeen | 1,914 | gctfcu.net |
| Sherwin Federal Credit UnionFederal | Portland | 1,912 | sherwinfcu.org |
| 1st University Credit UnionState-chartered | Waco | 1,904 | culink.net |
| Linkage Credit UnionState-chartered | Waco | 1,903 | linkagecu.com |
| Corpus Christi Postal Employees Credit UnionState-chartered | Corpus Christi | 1,898 | ccpecu.com |
| Txdot Credit UnionState-chartered | Abilene | 1,875 | txdotcu.com |
| Yantis Federal Credit UnionFederal | Yantis | 1,856 | yantisfcu.com |
| Angelina County Teachers Credit UnionState-chartered | Lufkin | 1,848 | actcu.org |
| Amarillo Postal Employees Credit UnionState-chartered | Amarillo | 1,833 | crunion.org |
| Pampa Teachers Federal Credit UnionFederal | Pampa | 1,828 | ptfcu-tx.com |
| Texhillco School Employees Federal Credit UnionFederal | Kerrville | 1,827 | texhillco.org |
| Cherokee County Teachers Federal Credit UnionFederal | Rusk | 1,746 | cctfcu.com |
| Galveston Government Employees Credit UnionState-chartered | Dickinson | 1,742 | ggecu.org |
| Mcmurrey Federal Credit UnionFederal | Tyler | 1,726 | mcmurreyfcu.com |
| Temple-Inland Federal Credit UnionFederal | Diboll | 1,700 | t-ifcu.com |
| Grand Prairie Credit UnionState-chartered | Grand Prairie | 1,692 | gpcreditunion.org |
| Methodist Hospital Employees Federal Credit UnionFederal | Dallas | 1,672 | mhefcu.com |
| Temple Santa Fe Community Credit UnionState-chartered | Temple | 1,672 | tsfccu.com |
| Frio County Federal Credit UnionFederal | Pearsall | 1,668 | — |
| Friona Texas Federal Credit UnionFederal | Friona | 1,655 | frionacu.com |
| Ben E Keith Company Employees Federal Credit UnionFederal | Fort Worth | 1,623 | bekeithfcu.com |
| I.B.E.W. Lu 66 Federal Credit UnionFederal | Pasadena | 1,569 | mycu66.org |
| Oak Cliff Christian Federal Credit UnionFederal | Dallas | 1,564 | occfcu.org |
| Alba-Golden Federal Credit UnionFederal | Alba | 1,562 | albagoldenfederalcu.com |
| Central Texas Teachers Credit UnionState-chartered | Corsicana | 1,533 | cttcu.com |
| Baker Hughes Federal Credit UnionFederal | Houston | 1,457 | cyfairfcu.org |
| Highway District 19 Employees Credit UnionState-chartered | Atlanta | 1,451 | — |
| Dallas U.P. Employees Credit UnionState-chartered | Dallas | 1,447 | dupecu.org |
| Concho Valley Credit UnionState-chartered | San Angelo | 1,425 | conchovalleycu.com |
| Brownsville City Employees Federal Credit UnionFederal | Brownsville | 1,420 | brownsvillecityfcu.com |
| Marshall T & P Employees Federal Credit UnionFederal | Marshall | 1,412 | — |
| Hale County Teachers Federal Credit UnionFederal | Plainview | 1,408 | — |
| Member Preferred Federal Credit UnionFederal | Fort Worth | 1,393 | memberpreferredfcu.com |
| Victoria Teachers Federal Credit UnionFederal | Victoria | 1,391 | myvtfcu.com |
| Odessa Employees Credit UnionState-chartered | Odessa | 1,381 | odessaecu.com |
| Texas Associations of Professionals Federal Credit UnionFederal | San Antonio | 1,362 | tapfcu.coop |
| Mclennan County Employees Federal Credit UnionFederal | Waco | 1,340 | mclennancountyefcu.com |
| Nce Credit UnionState-chartered | Corpus Christi | 1,326 | ncecreditunion.net |
| Reeves County Teachers Credit UnionState-chartered | Pecos | 1,319 | rctcu.com |
| Mount Olive Baptist Church Federal Credit UnionFederal | Arlington | 1,311 | mountolivebc.net |
| First Priority Credit UnionState-chartered | Abilene | 1,292 | firstprioritycu.com |
| Midland Municipal Employees Credit UnionState-chartered | Midland | 1,289 | — |
| Cen Tex Manufacturing Credit UnionState-chartered | Brownwood | 1,279 | centexmfgcu.com |
| Texarkana Terminal Employees Federal Credit UnionFederal | Texarkana | 1,271 | texarkanaterminalfcu.com |
| Pasadena Municipal Federal Credit UnionFederal | Pasadena | 1,252 | — |
| Morris Sheppard Texarkana Federal Credit UnionFederal | Texarkana | 1,251 | mstfcu.org |
| Victoria Federal Credit UnionFederal | Victoria | 1,233 | victoriafcu.org |
| Texstar Federal Credit UnionFederal | Kenedy | 1,223 | texstarfcu.com |
| Covenant Savings Federal Credit UnionFederal | Killeen | 1,203 | mycsfcu.org |
| Local 24 Employees Federal Credit UnionFederal | Pasadena | 1,168 | local24efcu.com |
| Scurry County School Federal Credit UnionFederal | Snyder | 1,163 | scurrycountyschoolfcu.com |
| Employees United Federal Credit UnionFederal | Paris | 1,151 | employeesunited.org |
| P.I.E. Credit UnionState-chartered | Houston | 1,140 | piecu.org |
| Refugio County Federal Credit UnionFederal | Refugio | 1,123 | refugiocountyfcu.com |
| South Texas Regional Federal Credit UnionFederal | Laredo | 1,116 | strfcu.com |
| Vatat Credit UnionState-chartered | Austin | 1,113 | vatatcu.org |
| Fannin County Teachers Federal Credit UnionFederal | Bonham | 1,105 | fanninteachersfcu.com |
| Ila 1351 Federal Credit UnionFederal | La Porte | 1,054 | ila1351fcu.com |
| T & P Longview Federal Credit UnionFederal | Longview | 1,049 | — |
| Ila 28 Federal Credit UnionFederal | Pasadena | 1,044 | — |
| Alamo City Credit UnionState-chartered | San Antonio | 1,007 | alamocitycu.com |
| Faith Cooperative Federal Credit UnionFederal | Dallas | 996 | faithcfcu.com |
| Redeemer Federal Credit UnionFederal | Plano | 988 | redeemerfcu.org |
| Swemp Federal Credit UnionFederal | Texarkana | 985 | swempfcu.org |
| Reed Credit UnionState-chartered | Houston | 968 | reedcreditunion.com |
| Yoakum County Federal Credit UnionFederal | Plains | 942 | — |
| Coastal Bend P O Federal Credit UnionFederal | Victoria | 932 | — |
| Coburn Credit UnionState-chartered | Beaumont | 929 | — |
| Midwestern State University Credit UnionState-chartered | Wichita Falls | 900 | msutexas.edu |
| Cochran County Schools Federal Credit UnionFederal | Morton | 892 | cochrancountyschoolsfcu.com |
| Seagoville Federal Credit UnionFederal | Seagoville | 889 | seagovillefcu.com |
| Victoria City-County Employees Federal Credit UnionFederal | Victoria | 873 | vccefcu.org |
| Port of Houston Credit UnionState-chartered | Houston | 866 | pohcu.com |
| Andrews School Federal Credit UnionFederal | Andrews | 813 | — |
| Farmers Branch City Employees Federal Credit UnionFederal | Farmers Branch | 813 | fbcefcu.virtualcu.net |
| Moore County Schools Federal Credit UnionFederal | Dumas | 813 | moorecountyschoolsfcu.com |
| Sweetwater Regional Federal Credit UnionFederal | Sweetwater | 812 | sweetwatercredit.com |
| Light Commerce Credit UnionState-chartered | Houston | 808 | lightcommercecu.org |
| Belton Federal Credit UnionFederal | Belton | 803 | beltonfcu.com |
| Del Rio S.P. Credit UnionState-chartered | Del Rio | 761 | — |
| Oak Farms Employees Credit UnionState-chartered | Houston | 747 | sites.google.com |
| Seminole Public Schools Federal Credit UnionFederal | Seminole | 744 | seminoleisd.net |
| City of Deer Park Federal Credit UnionFederal | Deer Park | 714 | dpefcu.org |
| Highway District 9 Credit UnionState-chartered | Waco | 712 | hwydist9.com |
| Jackson County Federal Credit UnionFederal | Edna | 710 | jacksoncountyteachers.com |
| Sweetex Credit UnionState-chartered | Longview | 697 | — |
| Natural Resources Conservation Serv Federal Credit UnionFederal | Fort Worth | 695 | nrcscreditunion.org |
| S.T.E.C. Federal Credit UnionFederal | Nursery | 686 | — |
| Wharton County Teachers Credit UnionState-chartered | Wharton | 675 | wctcu.org |
| Navarro Credit UnionState-chartered | Corsicana | 671 | — |
| Highway District 2 Credit UnionState-chartered | Fort Worth | 668 | dist2cu.com |
| Port Terminal Federal Credit UnionFederal | Houston | 651 | ptfcu.com |
| Corpus Christi S.P. Credit UnionState-chartered | Corpus Christi | 637 | ccspcu.com |
| Brentwood Baptist Church Federal Credit UnionFederal | Houston | 624 | bbcfcu.org |
| Union Pacific Employees Credit UnionState-chartered | Beaumont | 624 | — |
| Intercorp Credit UnionState-chartered | Amarillo | 609 | intercorpcu.com |
| J.C.T. Federal Credit UnionFederal | Edna | 600 | jacksoncountyteachers.com |
| Houston Belt & Terminal Federal Credit UnionFederal | Humble | 590 | hbtfcu.com |
| Pampa Municipal Credit UnionState-chartered | Pampa | 586 | — |
| Empowerment Community Development Federal Credit UnionFederal | Houston | 583 | ecdfcu.com |
| Skel-Tex Credit UnionState-chartered | Skellytown | 544 | — |
| Lefors Federal Credit UnionFederal | Lefors | 536 | — |
| Longview Federal Credit UnionFederal | White Oak | 508 | longviewfcu.com |
| Thd District 17 Credit UnionState-chartered | Bryan | 495 | — |
| Vidor Teachers Federal Credit UnionFederal | Vidor | 476 | — |
| Sp Trainmen Federal Credit UnionFederal | Houston | 474 | — |
| E M O T Federal Credit UnionFederal | Abilene | 470 | — |
| W T N M Atlantic Federal Credit UnionFederal | Denver City | 469 | — |
| Our Mother of Mercy Parish Houston Federal Credit UnionFederal | Houston | 445 | ourmotherofmercy.net |
| Highway Employees Credit UnionState-chartered | Tyler | 431 | — |
| Plains Federal Credit UnionFederal | Plainview | 423 | plainsfcu.com |
| American Baptist Association Credit UnionState-chartered | Angleton | 391 | abacu.org |
| Jafari No-Interest Credit UnionState-chartered | Houston | 363 | jafaricu.com |
| Federal Employees Credit UnionState-chartered | Texarkana | 351 | — |
| Goodyear San Angelo Federal Credit UnionFederal | San Angelo | 350 | gysafcu.com |
| B. P. S. Federal Credit UnionFederal | Beeville | 335 | — |
| Pear Orchard Federal Credit UnionFederal | Beaumont | 315 | — |
| Salt Employees Federal Credit UnionFederal | Grand Saline | 315 | — |
| St. Luke's Community Federal Credit UnionFederal | Houston | 301 | — |
| Port of Houston Warehouse Federal Credit UnionFederal | Houston | 261 | phwfcu.org |
| Littlefield School Employees Federal Credit UnionFederal | Littlefield | 214 | — |
| Pilgrim Cucc Federal Credit UnionFederal | Houston | 213 | pilgrimchurchhouston.com |
| Musicians Federal Credit UnionFederal | Arlington | 186 | musiciansdfw.org |
| Paris District Credit UnionState-chartered | Paris | 186 | — |
| Texas Lee Federal Credit UnionFederal | Houston | 107 | — |
| Lehrer Interests Credit UnionState-chartered | Garwood | 101 | — |
| Heritage Hub Federal Credit UnionFederal | Houston | 89 | heritagehubfederal.org |
Credit unions in smaller towns of Texas
Other cities and towns in Texas where credit unions are headquartered, and how many there are in each.
- Alba 1
- Alpine 1
- Andrews 1
- Angleton 1
- Atlanta 1
- Bay City 2
- Bedford 1
- Beeville 1
- Belton 1
- Big Spring 3
- Bishop 1
- Bonham 2
- Borger 1
- Brenham 1
- Bridge City 1
- Brownfield 1
- Brownwood 2
- Cleburne 1
- Corsicana 2
- Deer Park 4
- Del Rio 2
- Denver City 1
- Diboll 1
- Dickinson 1
- Dumas 2
- Edna 2
- Farmers Branch 2
- Friona 1
- Gainesville 1
- Garwood 1
- Grand Saline 1
- Greenville 1
- Groves 2
- Hallettsville 1
- Haslet 1
- Hereford 1
- Kenedy 1
- Kermit 1
- Kerrville 2
- Kingsville 1
- La Joya 1
- La Porte 2
- Lamesa 1
- Lancaster 1
- Lefors 1
- Levelland 1
- Liberty 1
- Littlefield 1
- Marshall 1
- Mcgregor 1
- Mexia 1
- Morton 1
- Nederland 1
- Nursery 1
- Palestine 3
- Pampa 3
- Paris 3
- Pearsall 1
- Pecos 1
- Perryton 1
- Plains 1
- Plainview 2
- Port Lavaca 1
- Port Neches 1
- Portland 1
- Premont 1
- Refugio 1
- Rio Grande City 1
- Rockdale 1
- Rusk 2
- Seagoville 1
- Seminole 1
- Sinton 1
- Skellytown 1
- Slaton 1
- Snyder 1
- Sweeny 1
- Sweetwater 1
- Teague 1
- Texas City 2
- Universal City 1
- Vidor 1
- Wharton 2
- White Oak 1
- Windthorst 1
- Yantis 1
Credit unions are listed in the city of their headquarters; many have branches in other cities and accept members from across the state or the country, so members per 100 people is an approximation.