Credit Unions in Houston, TX
44 member-owned, NCUA-insured credit unions headquartered in or near Houston, serving a combined 1,278,979 members. The largest is Texas Dow Employees. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Texas Dow Employees
Houston, TX🇺🇸
403,290 members
Credit Unions & BankingView details →First Community
Houston, TX🇺🇸
189,781 members
Credit Unions & BankingView details →Jsc
Houston, TX🇺🇸
127,511 members
Credit Unions & BankingView details →First Service
Houston, TX🇺🇸
108,888 members
Credit Unions & BankingView details →Texas Bay
Houston, TX🇺🇸
59,863 members
Credit Unions & BankingView details →Smart Financial
Houston, TX🇺🇸
58,661 members
Credit Unions & BankingView details →Primeway
Houston, TX🇺🇸
48,665 members
Credit Unions & BankingView details →Members Choice
Houston, TX🇺🇸
45,762 members
Credit Unions & BankingView details →Houston Police
Houston, TX🇺🇸
33,313 members
Credit Unions & BankingView details →Priority Trust
Houston, TX🇺🇸
27,109 members
Credit Unions & BankingView details →Cy-Fair
Houston, TX🇺🇸
25,897 members
Credit Unions & BankingView details →Harris County
Houston, TX🇺🇸
20,021 members
Credit Unions & BankingView details →Energy Capital
Houston, TX🇺🇸
19,323 members
Credit Unions & BankingView details →Houston Texas Fire Fighters
Houston, TX🇺🇸
17,804 members
Credit Unions & BankingView details →Membersource
Houston, TX🇺🇸
14,726 members
Credit Unions & BankingView details →United Community
Houston, TX🇺🇸
13,473 members
Credit Unions & BankingView details →Memorial
Houston, TX🇺🇸
9,619 members
Credit Unions & BankingView details →Members Trust Of The Southwest
Houston, TX🇺🇸
8,912 members
Credit Unions & BankingView details →Bp
Houston, TX🇺🇸
6,399 members
Credit Unions & BankingView details →Union Fidelity
Houston, TX🇺🇸
5,988 members
Credit Unions & BankingView details →Bcm
Houston, TX🇺🇸
4,531 members
Credit Unions & BankingView details →Kbr Heritage
HOUSTON, TX🇺🇸
4,305 members
Credit Unions & BankingView details →Houston Highway
Houston, TX🇺🇸
3,701 members
Credit Unions & BankingView details →Southern
Houston, TX🇺🇸
3,611 members
Credit Unions & BankingView details →Met Tran
Houston, TX🇺🇸
2,891 members
Credit Unions & BankingView details →Southern Star
Houston, TX🇺🇸
2,708 members
Credit Unions & BankingView details →Bayou City
HOUSTON, TX🇺🇸
2,194 members
Credit Unions & BankingView details →Baker Hughes
Houston, TX🇺🇸
1,418 members
Credit Unions & BankingView details →P.I.E.
Houston, TX🇺🇸
1,174 members
Credit Unions & BankingView details →Reed
HOUSTON, TX🇺🇸
937 members
Credit Unions & BankingView details →Port Of Houston
Houston, TX🇺🇸
870 members
Credit Unions & BankingView details →Light Commerce
HOUSTON, TX🇺🇸
805 members
Credit Unions & BankingView details →Oak Farms Employees
HOUSTON, TX🇺🇸
700 members
Credit Unions & BankingView details →Port Terminal
Houston, TX🇺🇸
651 members
Credit Unions & BankingView details →Brentwood Baptist Church
Houston, TX🇺🇸
583 members
Credit Unions & BankingView details →Empowerment Community Development
Houston, TX🇺🇸
571 members
Credit Unions & BankingView details →Jafari No-Interest
Houston, TX🇺🇸
489 members
Credit Unions & BankingView details →Sp Trainmen
Houston, TX🇺🇸
423 members
Credit Unions & BankingView details →Our Mother Of Mercy Parish Houston
Houston, TX🇺🇸
393 members
Credit Unions & BankingView details →St. Luke'S Community
Houston, TX🇺🇸
295 members
Credit Unions & BankingView details →Port Of Houston Warehouse
Houston, TX🇺🇸
262 members
Credit Unions & BankingView details →Pilgrim Cucc
Houston, TX🇺🇸
214 members
Credit Unions & BankingView details →Heritage Hub
Houston, TX🇺🇸
139 members
Credit Unions & BankingView details →Texas Lee
Houston, TX🇺🇸
109 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Houston: they are based in or near Houston. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Houston
25 more credit unions headquartered elsewhere have a branch in Houston, TX. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Navy Federal Credit Union
VIENNA, VA🇺🇸
15,517,448 members
Credit Unions & BankingView details →University
AUSTIN, TX🇺🇸
429,865 members
Credit Unions & BankingView details →Credit Human
San Antonio, TX🇺🇸
259,260 members
Credit Unions & BankingView details →Chartway
Virginia Beach, VA🇺🇸
257,809 members
Credit Unions & BankingView details →Shell
Deer Park, TX🇺🇸
165,469 members
Credit Unions & BankingView details →Together
Saint Louis, MO🇺🇸
148,447 members
Credit Unions & BankingView details →Advancial
Dallas, TX🇺🇸
142,749 members
Credit Unions & BankingView details →Chevron
Concord, CA🇺🇸
139,374 members
Credit Unions & BankingView details →Premier America
Chatsworth, CA🇺🇸
124,777 members
Credit Unions & BankingView details →Amoco
Texas City, TX🇺🇸
96,445 members
Credit Unions & BankingView details →Justice
Chantilly, VA🇺🇸
79,173 members
Credit Unions & BankingView details →Truity
Bartlesville, OK🇺🇸
76,124 members
Credit Unions & BankingView details →Greater Texas
AUSTIN, TX🇺🇸
73,634 members
Credit Unions & BankingView details →Brazos Valley Schools
Katy, TX🇺🇸
64,531 members
Credit Unions & BankingView details →Gulf Coast Educators
Pasadena, TX🇺🇸
61,167 members
Credit Unions & BankingView details →Houston
Sugar Land, TX🇺🇸
59,544 members
Credit Unions & BankingView details →Southwest Airlines
Dallas, TX🇺🇸
59,070 members
Credit Unions & BankingView details →Essential
Baton Rouge, LA🇺🇸
31,430 members
Credit Unions & BankingView details →Energy One
Tulsa, OK🇺🇸
16,357 members
Credit Unions & BankingView details →Synergy
San Antonio, TX🇺🇸
12,242 members
Credit Unions & BankingView details →Coastal Community
Galveston, TX🇺🇸
10,930 members
Credit Unions & BankingView details →Suma
Yonkers, NY🇺🇸
9,662 members
Credit Unions & BankingView details →First Eagle
Owings Mills, MD🇺🇸
8,200 members
Credit Unions & BankingView details →F A A
Memphis, TN🇺🇸
7,612 members
Credit Unions & BankingView details →United Energy
Humble, TX🇺🇸
3,285 members
Credit Unions & BankingView details →- Navy Federal Credit Union — branches: 680 Meyerland Plaza Mall Space 1 Houston, TX 77096; 5815 Gulf Fwy Bldg B Houston, TX 77023; 3880 Cypress Creek Pkwy 1960 W Houston, TX 77068
- University — branch: 7000 Fannin St Houston, TX 77030
- Credit Human — branch: 8921 N Sam Houston Pkwy W Houston, TX 77064
- Chartway — branch: 4373 FM 1960 West Houston, TX 77014
- Shell — branches: 11391 Monroe Rd Houston, TX 77075-4877; 1600 Bay Area Blvd Houston, TX 77058; 5544 E Sam Houston Pkwy N Houston, TX 77015-3263; 11654 South Fwy Houston, TX 77047
- Together — branch: 775 Gellhorn Dr Houston, TX 77029-1416
- Advancial — branches: 845 N Eldridge Pkwy Houston, TX 77079; 4411 San Felipe St Ste 100 Houston, TX 77027
- Chevron — branches: 333 Clay St Ste 200 Houston, TX 77002; 1500 Louisiana St Ste 1248 Houston, TX 77002
- Premier America — branches: 2001 Rankin Rd Houston, TX 77073-5114; 9630 Westheimer Rd Ste 850 Houston, TX 77063-3215; 9211 Jones Rd Houston, TX 77065; 1400 W 43rd St Houston, TX 77018-4107
- Amoco — branches: 1150 Clear Lake City Blvd Suite 101 Houston, TX 77062; 2585 Bay Area Blvd Houston, TX 77058-1521
- Justice — branch: 1 Justice Park Dr Houston, TX 77092
- Truity — branches: 925 N Eldridge Pkwy Rm EC4-01-N-314 Houston, TX 77079-2703; 2331 Citywest Blvd # S143 Houston, TX 77042
- Greater Texas — branch: 5305 Bingle Rd Houston, TX 77092-2102
- Brazos Valley Schools — branch: 19626 Saums Rd Houston, TX 77084
- Gulf Coast Educators — branch: 14243 E Sam Houston Pkwy N Ste 100 Houston, TX 77044
- Houston — branches: 777 N Eldridge Pkwy Ste 150 Houston, TX 77079-4416; 24 Greenway Plz Ste 300 Houston, TX 77046-0003; 21550 State Highway 249 Houston, TX 77070-1648; 7459 Southwest Fwy Ste 100 Houston, TX 77074-1909; 5302 FM 1960 Rd W Houston, TX 77069-4404; 8507 S Sam Houston Pkwy E Houston, TX 77075-4857
- Southwest Airlines — branch: 8441 Gulf Fwy Ste 103 Houston, TX 77017-5064
- Essential — branch: 12012 Space Center Blvd Suite 1000 Houston, TX 77059
- Energy One — branches: 5 Greenway Plz Ste 110 Houston, TX 77046-0521; 1293 Eldridge Pkwy Houston, TX 77077
- Synergy — branch: 9701 Manchester St Houston, TX 77012-2408
- Coastal Community — branch: 7002 Fauna St Houston, TX 77061-3918
- Suma — branch: 927 Studewood St Houston, TX 77008
- First Eagle — branch: 2929 Allen Pkwy Houston, TX 77019
- F A A — branch: 16600 John F Kennedy Blvd Houston, TX 77032-6514
- United Energy — branch: 1111 Louisiana St Ste B-102 HOUSTON, TX 77002-5230
How to join a credit union in Texas
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Houston or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Houston — common questions
How many credit unions are in Houston?
44 member-owned, NCUA-insured credit unions are headquartered in or near Houston, Texas, with a combined 1,278,979 members. The largest is Texas Dow Employees.
Are these the closest credit unions to me in Houston?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Houston, geocoded to the city. The second list adds 25 more credit unions headquartered elsewhere that NCUA shows with a branch in Houston, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Houston?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Texas accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Houston?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.