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Top Credit Unions in Texas
Some of the biggest and most respected credit unions in the US are in Texas. By focusing on lower fees, competitive loan rates, and community-driven service, they provide members with an alternative to regular banks. Credit unions are not-for-profit financial cooperatives owned by their members, so any extra money they make goes back to members in the form of better interest rates, lower fees, and better products.
Texans have many choices, from military-focused institutions and credit unions founded by teachers to community-based groups that offer services in both English and Spanish. We’ll start with a quick comparison table that lets you look at things at a glance. Then it goes into more detail about each of the top credit unions, letting you compare their assets, membership size, branch network, service offerings, digital capabilities, and special programs.
Randolph-Brooks Federal Credit Union (RBFCU)
The biggest credit union in Texas by both assets and members. It used to only serve military members, but now anyone can join.
- Assets: $18 billion
- Members: 1.1 million
- Branches: 63
- Products & Services: Fee-free checking, competitive savings, auto loans, mortgages, personal loans, and credit cards.
- Digital Tools: Mobile check deposit, bill pay, budgeting tools, and credit score monitoring.
- Community Involvement: Military family support, charitable donations, financial literacy programs.
- Special Programs: RBFCU Services LLC offers wealth management, realty, appraisal, insurance, title, and trust services.
Security Service Federal Credit Union (SSFCU)
A tri-state institution with a strong presence in Texas that helps both people and businesses.
- Assets: $10.5 billion
- Members: 760,000
- Branches: 66 across Texas, Colorado, Utah
- Products & Services: Personal/business accounts, auto loans, mortgages, credit cards, business lending.
- Digital Tools: Mobile banking with Zelle, card controls, e-statements, and personal finance tracking.
- Community Involvement: Sponsorships, volunteer programs, and educational grants.
- Special Programs: Shared branching network access for nationwide banking.
Credit Union in Texas Comparison Table
| Credit Union | Assets | Members | Branches | Highlights |
|---|---|---|---|---|
| Randolph-Brooks FCU (RBFCU) | $18B | 1.1M | 63 | Largest in Texas; full-service wealth & trust; military roots |
| Security Service FCU | $10.5B | 760K | 66 | TX/CO/UT presence; strong digital tools; shared branching |
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Final Thoughts
Texas credit unions come in all sizes, from big, statewide ones to small, community-based ones. Each one has its own set of advantages, such as services for military members and teachers, bilingual support, and platforms that prioritize digital content. Your location, service needs, and desire to be involved in the community all play a role in choosing the right credit union.
Frequently Asked Questions
Are Credit Union deposits safe in Texas?
Yes. The National Credit Union Administration (NCUA) insures all federally chartered credit unions for up to $250,000 per depositor and per institution. This is the same as the insurance that banks offer through the FDIC. This insurance protects members against credit union failure and ensures financial security.
Can I join a Texas Credit Union if I don’t live in Texas?
Yes, in some cases. Not just residency, but also being a member of a partner organization, being an employee of a credit union, or having family members who are members of a credit union can all lead to membership. Many Texas credit unions allow nationwide or select group membership, making them more accessible.
What’s the main difference between a bank and a Credit Union?
Credit unions are not-for-profit cooperatives owned by their members, while banks are for-profit businesses that serve their shareholders. Credit unions usually give their members better rates, lower fees, and better services as a way of giving back to them. This member-first model sets them apart from traditional banks.
Do Texas Credit Unions have the same technology as banks?
Yes. Many of Texas’s biggest credit unions, such as RBFCU, SSFCU, and Amplify CU, offer advanced mobile banking, bill pay, mobile check deposit, person-to-person (P2P) transfers, card controls, and tools for planning your finances. These tools make credit unions just as competitive as major banks.
Reviewed and edited by Albert Fang.
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Article Title: Leading Texas Credit Unions 2025
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