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Credit Unions You Can Join in Texas

Community credit unions in Texas that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Texas

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Texas

Members, largest first: Texas Dow Employees Credit Union 397,272; Texans Credit Union 140,077; Firstlight Credit Union 98,504; Amoco Credit Union 98,055; Austin Telco Credit Union 94,794; Raiz Credit Union 78,235; Fort Worth Community Credit Union 74,598; Resource One Credit Union 71,306Texas Dow Employees Credit Union397kTexans Credit Union140kFirstlight Credit Union99kAmoco Credit Union98kAustin Telco Credit Union95kRaiz Credit Union78kFort Worth Community Credit Union75kResource One Credit Union71k
Members of the largest community credit unions in Texas, from NCUA data.
  1. Texas Dow Employees Credit Union

    Where you live or work

    Houston, TX · 397,272 members · $5.0 billion in assets

    “You are also eligible to join TDECU if you meet one of these criteria (even if you do not live in one of the counties listed above): By Family Relationship, By Proximity to a, TDECU Location, By Organization, By Employer, Eligibility by Family Relationship.”from tdecu.org
    Full details and how to join →
  2. Texans Credit Union

    Where you live or work

    Richardson, TX · 140,077 members · $2.5 billion in assets

    “Anyone who lives, works, or attends school in the Texas counties of Collin, Cooke, Dallas, Denton, Ellis, Fannin, Grayson, Hunt, Kaufman, Rockwall, Tarrant, Travis, and Williamson.”from texanscu.org
    Full details and how to join →
  3. Firstlight Credit Union

    Where you live or work

    El Paso, TX · 98,504 members · $1.6 billion in assets

    “If you live, work, worship, or attend school in El Paso or Dona Ana County, or are stationed at Fort Bliss, you're eligible to join.”from firstlightfcu.org
    Full details and how to join →
  4. Amoco Credit Union

    Where you live or work

    Texas City, TX · 98,055 members · $1.5 billion in assets

    “AMOCO membership is open to everyone who lives, works, worships, attends school, or frequently does business within one of the 477-census tracts in Texas.”from amocofcu.org
    Full details and how to join →
  5. Austin Telco Credit Union

    Where you live or work

    Austin, TX · 94,794 members · $2.6 billion in assets

    “Our membership is open to anyone who lives, works, worships, attends school, or volunteers in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County.”from atfcu.org
    Full details and how to join →
  6. Raiz Credit Union

    Where you live or work

    El Paso, TX · 78,235 members · $1.1 billion in assets

    “Raiz membership is open to individuals living, working or worshiping in El Paso County, family members of Raiz members, or Lifetime Members of the Underserved Communities Foundation.”from raiz.us
    Full details and how to join →
  7. Fort Worth Community Credit Union

    Where you live or work

    Bedford, TX · 74,598 members · $1.3 billion in assets

    “To join WorthCU you'll need to live, work, or attend school in Tarrant, Parker, Johnson or Denton county, or be a family member of an existing member and have $5 to open your membership account.”from worthcu.org
    Full details and how to join →
  8. Resource One Credit Union

    Where you live or work

    Dallas, TX · 71,306 members · $656 million in assets

    “Membership at Resource One Credit Union is open to anyone who resides or is employed in Dallas county.”from r1cu.org
    Full details and how to join →

More credit unions in this list

Credit unionWhereMembers
Neighborhood Credit UnionDallas67,729
Gulf Coast Educators Credit UnionPasadena60,776
Houston Credit UnionSugar Land59,905
Texell Credit UnionTemple54,171
Amplify Credit UnionAustin47,765
Generations Community Credit UnionSan Antonio47,191
My Community Credit UnionMidland43,097
Genco Credit UnionWaco38,527
Dugood Credit UnionBeaumont37,482
City Credit UnionDallas34,196
Education First Credit UnionBeaumont32,486
Unity One Credit UnionFort Worth24,940
First Central Credit UnionWaco20,527
Laredo Credit UnionLaredo18,068
Rio Grande Valley Credit UnionHarlingen17,571
Cal-Com Credit UnionPort Lavaca16,062
La Joya Area Credit UnionLa Joya14,477
Beacon Credit UnionLa Porte14,151
Kerr County Credit UnionKerrville13,789
Access Community Credit UnionAmarillo13,343
Southwest Heritage Credit UnionOdessa13,017
Naft Credit UnionPharr12,078
Lone Star Credit UnionDallas11,802
River City Credit UnionSan Antonio11,713
Community Service Credit UnionHuntsville11,282
One Source Credit UnionEl Paso10,843
Kelly Community Credit UnionTyler10,514
Members Trust Of The Southwest Credit UnionHouston8,768
Members Credit UnionCleburne8,620
4u Credit UnionGainesville8,420
Wellspring Credit UnionBridge City8,316
Southland Credit UnionLufkin7,044
Westex Credit UnionLubbock6,788
Fannin Credit UnionBonham6,739
Postel Family Credit UnionWichita Falls5,788
Heart O' Texas Credit UnionWaco5,632
Domino Credit UnionTexarkana5,231
Lufkin Credit UnionLufkin5,065
Freestone Credit UnionTeague5,033
Cherokee County Credit UnionRusk4,871
Scott And White Employees Credit UnionTemple4,666
San Angelo Credit UnionSan Angelo3,900
Members Financial Credit UnionMidland3,301
Port Arthur Teachers Credit UnionPort Arthur3,073
Old Ocean Credit UnionSweeny3,015
Star Of Texas Credit UnionAustin2,883
Texas Community Credit UnionKingsville2,841
Shared Resources Credit UnionPasadena2,807
Cowboy Country Credit UnionPremont2,266
Brazos Star Credit UnionCollege Station2,016
Brazos Community Credit UnionAlvin1,958
Texas People Credit UnionFort Worth1,940
Temple Santa Fe Community Credit UnionTemple1,686
Concho Valley Credit UnionSan Angelo1,414
Cochran County Schools Credit UnionMorton885
Wharton County Teachers Credit UnionWharton677

Who can join, across Texas's credit unions

Who can join, across 377 credit unions in Texas. Anyone can join: 0; Anyone, via an association or donation: 1; Live, work or worship in a named area: 65; Employer, union or church group: 11; Sentence too vague to sort: 50; No eligibility sentence on file: 250Anyone can join0Anyone, via an association or donation1Live, work or worship in a named area65Employer, union or church group11Sentence too vague to sort50No eligibility sentence on file250
Credit unions in Texas on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.