Home/Credit Unions/Texas/You Can Join

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 403,290; Texans Credit Union 150,417; Firstlight Credit Union 97,419; Amoco Credit Union 96,445; Austin Telco Credit Union 94,219; Raiz Credit Union 78,753; Fort Worth Community Credit Union 68,768; Neighborhood Credit Union 67,059Texas Dow Employees Credit Union403kTexans Credit Union150kFirstlight Credit Union97kAmoco Credit Union96kAustin Telco Credit Union94kRaiz Credit Union79kFort Worth Community Credit Union69kNeighborhood Credit Union67k
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 · 403,290 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 · 150,417 members · $2.6 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 · 97,419 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 · 96,445 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 · 94,219 members · $2.5 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 · 78,753 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 · 68,768 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. Neighborhood Credit Union

    Where you live or work

    Dallas, TX · 67,059 members · $1.1 billion in assets

    “You're eligible if you live in the state of Texas!”from myncu.com
    Full details and how to join →

More credit unions in this list

Credit unionWhereMembers
Resource One Credit UnionDallas62,847
Gulf Coast Educators Credit UnionPasadena61,167
Houston Credit UnionSugar Land59,544
Texell Credit UnionTemple53,988
Generations Community Credit UnionSan Antonio46,880
Amplify Credit UnionAustin45,844
My Community Credit UnionMidland44,054
Genco Credit UnionWaco38,319
Dugood Credit UnionBeaumont37,923
City Credit UnionDallas33,260
Education First Credit UnionBeaumont32,567
Unity One Credit UnionFort Worth23,417
First Central Credit UnionWaco20,958
Laredo Credit UnionLaredo17,893
Rio Grande Valley Credit UnionHarlingen17,573
Cal-Com Credit UnionPort Lavaca15,883
La Joya Area Credit UnionLa Joya14,373
Kerr County Credit UnionKerrville13,943
Beacon Credit UnionLa Porte13,721
Access Community Credit UnionAmarillo13,230
Southwest Heritage Credit UnionOdessa12,871
Naft Credit UnionPharr12,091
Lone Star Credit UnionDallas11,757
River City Credit UnionSan Antonio11,651
Community Service Credit UnionHuntsville11,228
Kelly Community Credit UnionTyler10,734
One Source Credit UnionEl Paso10,654
Members Trust Of The Southwest Credit UnionHouston8,912
Members Credit UnionCleburne8,546
Wellspring Credit UnionBridge City8,280
4u Credit UnionGainesville7,463
Southland Credit UnionLufkin7,171
Mtcu Credit UnionMidland7,162
Old Ocean Credit UnionSweeny6,969
Fannin Credit UnionBonham6,727
Westex Credit UnionLubbock6,623
Postel Family Credit UnionWichita Falls5,795
Freestone Credit UnionTeague5,685
Domino Credit UnionTexarkana5,248
Lufkin Credit UnionLufkin5,150
Cherokee County Credit UnionRusk4,698
Scott And White Employees Credit UnionTemple4,685
Heart O' Texas Credit UnionWaco3,935
San Angelo Credit UnionSan Angelo3,801
Port Arthur Teachers Credit UnionPort Arthur3,023
Star Of Texas Credit UnionAustin2,938
Texas Community Credit UnionKingsville2,804
Members Financial Credit UnionMidland2,801
Shared Resources Credit UnionPasadena2,730
Cowboy Country Credit UnionPremont2,244
Brazos Star Credit UnionCollege Station1,965
Texas People Credit UnionFort Worth1,920
Brazos Community Credit UnionAlvin1,907
Temple Santa Fe Community Credit UnionTemple1,666
Concho Valley Credit UnionSan Angelo1,430
Texarkana Terminal Employees Credit UnionTexarkana1,270
Cochran County Schools Credit UnionMorton900
Wharton County Teachers Credit UnionWharton669

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: 67; Employer, union or church group: 11; Sentence too vague to sort: 54; No eligibility sentence on file: 244Anyone can join0Anyone, via an association or donation1Live, work or worship in a named area67Employer, union or church group11Sentence too vague to sort54No eligibility sentence on file244
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.