Credit Unions in Waco, TX
10 member-owned, NCUA-insured credit unions headquartered in or near Waco, serving a combined 116,245 members. The largest is Genco. 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.
Genco
Waco, TX🇺🇸
38,319 members
Credit Unions & BankingView details →Educators
WACO, TX🇺🇸
27,329 members
Credit Unions & BankingView details →First Central
Waco, TX🇺🇸
20,958 members
Credit Unions & BankingView details →Members Choice Of Central Texas
WACO, TX🇺🇸
18,057 members
Credit Unions & BankingView details →Heart O' Texas
Waco, TX🇺🇸
3,935 members
Credit Unions & BankingView details →Waco
WACO, TX🇺🇸
1,930 members
Credit Unions & BankingView details →1st University
Waco, TX🇺🇸
1,888 members
Credit Unions & BankingView details →Linkage
WACO, TX🇺🇸
1,861 members
Credit Unions & BankingView details →Mclennan County Employees
Waco, TX🇺🇸
1,255 members
Credit Unions & BankingView details →Highway District 9
WACO, TX🇺🇸
713 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Waco: they are based in or near Waco. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Waco
1 more credit union headquartered elsewhere has a branch in Waco, 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.
- Texell — branch: 1221 Hewitt Dr Ste A Waco, TX 76712-8896
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 Waco 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 Waco — common questions
How many credit unions are in Waco?
10 member-owned, NCUA-insured credit unions are headquartered in or near Waco, Texas, with a combined 116,245 members. The largest is Genco.
Are these the closest credit unions to me in Waco?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Waco, geocoded to the city. The second list adds 1 more credit union headquartered elsewhere that NCUA shows with a branch in Waco, 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 Waco?
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 Waco?
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.