Credit Unions in Odessa, TX
6 member-owned, NCUA-insured credit unions headquartered in or near Odessa, serving a combined 103,902 members. The largest is Complex Community. 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.
Complex Community
ODESSA, TX🇺🇸
44,307 members
Credit Unions & BankingView details →First Basin
Odessa, TX🇺🇸
31,008 members
Credit Unions & BankingView details →Southwest Heritage
Odessa, TX🇺🇸
12,871 members
Credit Unions & BankingView details →Southwest 66
ODESSA, TX🇺🇸
9,213 members
Credit Unions & BankingView details →West Texas
Odessa, TX🇺🇸
5,129 members
Credit Unions & BankingView details →Odessa Employees
Odessa, TX🇺🇸
1,374 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Odessa: they are based in or near Odessa. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Odessa
2 more credit unions headquartered elsewhere have a branch in Odessa, 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.
My Community
Midland, TX🇺🇸
44,054 members
Credit Unions & BankingView details →Txdot
Abilene, TX🇺🇸
1,883 members
Credit Unions & BankingView details →- My Community — branch: 4037 E 42nd St Odessa, TX 79762-5935
- Txdot — branch: 4692 E University Blvd Ste 102 Odessa, TX 79762-6100
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 Odessa 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 Odessa — common questions
How many credit unions are in Odessa?
6 member-owned, NCUA-insured credit unions are headquartered in or near Odessa, Texas, with a combined 103,902 members. The largest is Complex Community.
Are these the closest credit unions to me in Odessa?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Odessa, geocoded to the city. The second list adds 2 more credit unions headquartered elsewhere that NCUA shows with a branch in Odessa, 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 Odessa?
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 Odessa?
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.