Credit Unions Provider Profiles in Houston, TX

Review 37 listed credit unions profiles associated with Houston, Texas. Average stored Google rating where available: 4.3/5.

37 Listed Profiles 19 Google-rated Payday: Legal

Texas Lending Regulations

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses Agency: Texas Attorney General Consumer Protection Division

Provider Profiles for Credit Unions

Memorial Credit Union logo

Memorial Credit Union

Memorial Credit Union is a federally-chartered credit union offering savings, checking, loans, credit cards, and mortgages to members in the Houston area with rate claims to verify and digital banking tools.

4.9/5

Google rating from 23 reviews

BBB: NR

Profile signals: Houston-area residents seeking competitive auto financing with extended drive-thru service hours, Members who qualify for credit union membership and want comprehensive digital banking and lending options

First Community Credit Union - Fairbanks logo

First Community Credit Union - Fairbanks

First Community Credit Union offers checking, savings, loans, and credit cards to members. A full-service credit union with online/mobile banking and multiple loan products.

4.8/5

Google rating from 212 reviews

BBB: NR

Profile signals: Individuals seeking a full-service credit union with multiple loan and deposit products, Members who prefer mobile and online banking for account management

Members Trust Federal Credit Union logo

Members Trust Federal Credit Union

Members Trust Federal Credit Union is a full-service credit union serving Houston Heights and Stephenville, TX since 1936, offering loans, savings, checking, and digital banking.

4.8/5

Google rating from 49 reviews

BBB: NR

Profile signals: Texas residents in Houston Heights or Stephenville seeking relationship-based mortgage lending, First-time homebuyers with credit scores below 640 who struggle to qualify at traditional lenders

Smart Financial Credit Union logo

Smart Financial Credit Union

Houston-based credit union offering member-owned banking with low-rate auto loans, mortgages, home equity lines, and checking accounts since 1934.

4.8/5

Google rating from 575 reviews

BBB: NR

Profile signals: Texas residents in Brazoria, Fort Bend, Harris, or Montgomery Counties seeking relationship banking with low auto loan rates, Member-owners who value cooperative financial institutions with community focus over corporate banking structures

Texas Bay Credit Union logo

Texas Bay Credit Union

Texas Bay Credit Union is a federally-chartered credit union offering personal and business banking, loans, mortgages, and insurance services to members in the Texas area.

4.8/5

Google rating from 866 reviews

BBB: NR

Profile signals: Texas-based consumers seeking a member-owned alternative to traditional banks with competitive lending rates, Auto buyers looking to combine vehicle shopping with financing through one platform

First Community Credit Union - Alief logo

First Community Credit Union - Alief

First Community Credit Union's Alief branch offers traditional credit union banking services including deposits, withdrawals, and video teller services at a temporary location during renovations.

4.7/5

Google rating from 824 reviews

BBB: NR

Profile signals: Houston-area residents seeking traditional credit union banking with convenient drive-thru access, Members who need Saturday banking hours and extended weekday drive-thru availability

Listed Credit Unions Profiles in Houston (37)

Memorial Credit Union logo

Memorial Credit Union

Memorial Credit Union is a federally-chartered credit union offering savings, checking, loans, credit cards, and mortgages to members in the Houston area with rate claims to verify and digital banking tools.

4.9/5

Google rating from 23 reviews

BBB: NR

Profile signals: Houston-area residents seeking competitive auto financing with extended drive-thru service hours, Members who qualify for credit union membership and want comprehensive digital banking and lending options

First Community Credit Union - Fairbanks logo

First Community Credit Union - Fairbanks

First Community Credit Union offers checking, savings, loans, and credit cards to members. A full-service credit union with online/mobile banking and multiple loan products.

4.8/5

Google rating from 212 reviews

BBB: NR

Profile signals: Individuals seeking a full-service credit union with multiple loan and deposit products, Members who prefer mobile and online banking for account management

Members Trust Federal Credit Union logo

Members Trust Federal Credit Union

Members Trust Federal Credit Union is a full-service credit union serving Houston Heights and Stephenville, TX since 1936, offering loans, savings, checking, and digital banking.

4.8/5

Google rating from 49 reviews

BBB: NR

Profile signals: Texas residents in Houston Heights or Stephenville seeking relationship-based mortgage lending, First-time homebuyers with credit scores below 640 who struggle to qualify at traditional lenders

Smart Financial Credit Union logo

Smart Financial Credit Union

Houston-based credit union offering member-owned banking with low-rate auto loans, mortgages, home equity lines, and checking accounts since 1934.

4.8/5

Google rating from 575 reviews

BBB: NR

Profile signals: Texas residents in Brazoria, Fort Bend, Harris, or Montgomery Counties seeking relationship banking with low auto loan rates, Member-owners who value cooperative financial institutions with community focus over corporate banking structures

Texas Bay Credit Union logo

Texas Bay Credit Union

Texas Bay Credit Union is a federally-chartered credit union offering personal and business banking, loans, mortgages, and insurance services to members in the Texas area.

4.8/5

Google rating from 866 reviews

BBB: NR

Profile signals: Texas-based consumers seeking a member-owned alternative to traditional banks with competitive lending rates, Auto buyers looking to combine vehicle shopping with financing through one platform

First Community Credit Union - Alief logo

First Community Credit Union - Alief

First Community Credit Union's Alief branch offers traditional credit union banking services including deposits, withdrawals, and video teller services at a temporary location during renovations.

4.7/5

Google rating from 824 reviews

BBB: NR

Profile signals: Houston-area residents seeking traditional credit union banking with convenient drive-thru access, Members who need Saturday banking hours and extended weekday drive-thru availability

First Community Credit Union - Spring Branch logo

First Community Credit Union - Spring Branch

First Community Credit Union's Spring Branch in Houston offers traditional credit union banking with extended drive-thru hours, personal video teller services, and multiple deposit options at their Westview location.

4.7/5

Google rating from 1,397 reviews

BBB: NR

Profile signals: Working professionals needing extended evening and Saturday banking hours, Houston-area residents seeking credit union membership with multiple local branch options

Greater Texas Credit Union logo

Greater Texas Credit Union

Greater Texas Credit Union is a federally chartered credit union offering auto loans, home loans, free checking, and credit cards with rate claims to verify to its membership base.

4.6/5

Google rating from 247 reviews

BBB: NR

Profile signals: Houston-area residents seeking free checking with no minimum balance requirements, Borrowers shopping for competitive auto loan rates with flexible payment options

Houston Federal Credit Union logo

Houston Federal Credit Union

Houston Federal Credit Union is a Texas-based credit union offering checking, savings, auto loans, mortgages, and credit cards with rate claims to verify and member-focused services.

4.6/5

Google rating from 428 reviews

BBB: NR

Profile signals: Texas and South Carolina residents seeking traditional banking services with member-focused service, Vehicle buyers and existing auto loan borrowers looking to refinance at rate claims to verify

First Community Credit Union - Copperfield logo

First Community Credit Union - Copperfield

First Community Credit Union's Copperfield branch offers traditional credit union banking services including deposits, withdrawals, and ATM access in Houston, TX.

4.5/5

Google rating from 1,388 reviews

BBB: NR

Profile signals: Houston-area residents seeking convenient Saturday and extended weekday banking hours, Credit union members preferring community-based financial institutions over large banks

Union Fidelity Federal CU logo

Union Fidelity Federal CU

Union Fidelity Federal Credit Union offers member-focused banking with checking, savings, loans, and mortgages. Members gain access to exclusive discounts and rate claims to verify compared to traditional banks.

4.5/5

Google rating from 24 reviews

BBB: NR

Profile signals: Members seeking convenience through online and mobile-first banking with no branch requirement, Borrowers comparing credit union personal and mortgage rates against traditional banks

Resource One Credit Union logo

Resource One Credit Union

Member-owned credit union serving Dallas County and surrounding Texas cities with comprehensive personal and business banking solutions. Federally insured by NCUA.

4.0/5

Google rating from 158 reviews

BBB: NR

Profile signals: Dallas County residents and workers seeking full-service banking from a member-owned institution, Consumers who prefer credit union membership models over traditional bank structures

Houston Highway Credit Union logo

Houston Highway Credit Union

Houston Highway Credit Union is a member-owned financial cooperative offering checking, savings, loans, and credit cards with rates starting as low as 3.99% APR on auto loans.

3.9/5

Google rating from 73 reviews

BBB: NR

Profile signals: Houston-area residents and employees seeking local credit union membership with personalized service, Borrowers with good credit looking for competitive auto and personal loan rates below traditional bank averages

Cy-Fair FCU Jones Branch logo

Cy-Fair FCU Jones Branch

Cy-Fair FCU is a federal credit union offering checking, savings, auto loans, mortgages, and home equity products to members in the Houston area.

3.8/5

Google rating from 207 reviews

BBB: NR

Profile signals: Houston-area residents seeking full-service banking with competitive credit union rates, CFISD educators and teachers interested in community-focused financial institution and classroom grants

Energy Capital Credit Union (CC) logo

Energy Capital Credit Union (CC)

Energy Capital Credit Union is a Houston-based credit union serving 19,000+ members with checking, savings, loans, and insurance products since 1934.

3.8/5

Google rating from 217 reviews

BBB: NR

Profile signals: Texas residents seeking high-yield checking/savings accounts with competitive APY rates and member-owned cooperative benefits, Houston-area consumers wanting local banking relationship with in-person branch access and financial counseling services

Harris County Federal Credit Union logo

Harris County Federal Credit Union

Harris County Federal Credit Union is a member-owned financial cooperative serving the Houston area since 1951, offering checking, savings, loans, and credit cards with rate claims to verify.

3.7/5

Google rating from 136 reviews

BBB: NR

Profile signals: Harris County residents and employees seeking competitive lending rates with community-focused service, Families looking for kids' savings accounts with reward incentives and financial literacy programs

First Eagle Federal Credit Union - Houston logo

First Eagle Federal Credit Union - Houston

Federal credit union offering checking, savings, auto loans, credit cards, and home financing to Houston-area members with a focus on financial wellness.

3.5/5

Google rating from 11 reviews

BBB: NR

Profile signals: Houston-area residents seeking a member-owned alternative to traditional banks with financial education resources, Auto buyers across vehicle categories (cars, trucks, motorcycles, RVs, golf carts, marine) who value variety in financing options

USE Credit Union logo

USE Credit Union

USE Credit Union is a federally insured financial cooperative offering auto loans, mortgages, personal loans, checking accounts, and credit cards to members.

3.4/5

Google rating from 10 reviews

BBB: NR

Profile signals: Credit union members seeking competitive auto and mortgage financing with rate incentives, Borrowers interested in personal loans for consolidation with flexible terms

C-E Federal Credit Union logo

C-E Federal Credit Union

Coastal Community Federal Credit Union is a Texas-based credit union offering checking, savings, loans, and digital banking services to members in the Galveston area.

3.1/5

Google rating from 25 reviews

BBB: NR

Profile signals: Texas residents seeking auto financing with rate claims to verify below 3.5% APR, Credit union members building credit who need share-secured loans

Bayou City Federal Credit Union logo

Bayou City Federal Credit Union

Bayou City FCU is a not-for-profit credit union serving Memorial Hermann Healthcare employees and their families, plus nearby residents, with competitive loan rates and payroll-deduction savings.

BBB: NR

Profile signals: Memorial Hermann Healthcare System employees seeking competitive auto and personal loans, Houston-area residents within the defined service boundary looking for credit union benefits

Bcm logo

Bcm

BCM Federal Credit Union is a member-owned, not-for-profit credit union offering loans, savings accounts, and digital banking services with rate claims to verify.

BBB: NR

Profile signals: Members seeking auto loans with rate options for both new and used vehicles, Individuals looking to build credit through shared secured loan products

Bp logo

Bp

BP Federal Credit Union is a not-for-profit financial cooperative serving BP employees and eligible contractors since 1937, offering comprehensive banking and lending services with NCUA insurance.

BBB: NR

Profile signals: BP employees and contractors seeking banking services from a reported member-owned cooperative with rate claims to verify, Employees of affiliated companies who qualify for membership and want access to a not-for-profit financial institution

Cy-Fair logo

Cy-Fair

Cy-Fair FCU is a member-owned federal credit union offering auto loans, mortgages, home equity loans, and deposit accounts with free credit monitoring via SavvyMoney.

BBB: NR

Profile signals: Cy-Fair area residents and eligible community members seeking competitive auto refinancing, Homeowners looking for home equity loans with flexible terms and local relationship banking

Empowerment Community Development logo

Empowerment Community Development

Not-for-profit federal credit union in Houston offering auto loans, personal loans, and share-secured loans with member ownership benefits.

BBB: NR

Profile signals: Houston-area residents seeking member-owned lending with lower rates and dividend returns, Individuals with stable local employment who can access limited office hours

First Community Credit Union logo

First Community Credit Union

First Community Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with online and mobile banking access.

BBB: NR

Profile signals: Consumers seeking a member-owned alternative to traditional banks, Existing credit union members wanting comprehensive banking services

First Community Credit Union logo

First Community Credit Union

First Community Credit Union offers checking, savings, loans, and credit cards to members. A traditional credit union with online banking, mobile app, and multiple financial products.

BBB: NR

Profile signals: Members seeking a full-service credit union with checking, savings, and loan products, Consumers interested in rewards checking accounts integrated with banking services

Houston Highway logo

Houston Highway

Houston Highway Credit Union is a member-owned credit union offering auto loans, personal loans, mortgages, credit cards, and deposit accounts with rates starting as low as 3.99% APR.

BBB: NR

Profile signals: Houston-area residents seeking local, relationship-based banking with lower fees than traditional banks, Borrowers with good credit looking for competitive auto or personal loan rates from a established institution

Jafari No-Interest Credit Union logo

Jafari No-Interest Credit Union

Houston-based Islamic credit union offering advertised 0% interest loans to verify and NCUA-insured savings accounts to Jafari Muslim community members across the US.

BBB: NR

Profile signals: Jafari Muslim community members in Houston, Dallas, or Austin seeking Sharia-compliant, interest-free loans, Existing members' family members anywhere in the US who want to refinance high-interest auto or student loans at 0%

Jsc logo

Jsc

Wellby Financial is a Houston-based credit union offering checking, savings, mortgages, home equity, vehicle loans, credit cards, and investment services to members.

BBB: NR

Profile signals: Houston-area homebuyers and homeowners seeking mortgage, refinance, or home equity products, Credit union members wanting no-fee checking with competitive savings rates and early payday access

Our Mother of Mercy Federal Credit Union logo

Our Mother of Mercy Federal Credit Union

Member-owned federal credit union in Houston, TX offering checking, savings, loans, and digital banking services to 63+ members since 1954.

BBB: NR

Profile signals: Current members seeking convenient local banking services, Families of existing credit union members

Primeway logo

Primeway

PrimeWay Federal Credit Union is a member-owned financial institution in Houston, TX offering checking, savings, loans, and investment services with online and mobile banking.

BBB: NR

Profile signals: Healthcare professionals seeking listed banking and lending products, Houston-area residents wanting comprehensive credit union membership with online access

Priority Trust logo

Priority Trust

Priority Trust Credit Union is a member-owned financial cooperative offering competitive auto loans, personal loans, mortgages, credit cards, and deposit accounts with rates as low as 4.05% APR on auto financing.

BBB: NR

Profile signals: Credit union members seeking auto financing with rate claims to verify and flexible terms, Borrowers with fair to good credit who qualify for rate discounts through autopay and down payment

Reed logo

Reed

Reed Credit Union is a member-owned financial cooperative established in 1935, offering personal loans, auto/truck financing, and savings accounts with rate claims to verify.

BBB: NR

Profile signals: Houston-area residents seeking personalized auto and truck financing with rate claims to verify, Credit union members or employees of eligible organizations looking for low-interest personal loans

Texas Bay logo

Texas Bay

Texas Bay Credit Union is a member-owned, not-for-profit financial institution offering personal banking, loans, and business services with NCUA insurance protection.

BBB: NR

Profile signals: Texas-area residents seeking member-owned, not-for-profit financial services, Auto buyers looking for competitive loan rates with integrated car-shopping tools

Texas Lee logo

Texas Lee

Texas Lee Federal Credit Union is a member-owned, not-for-profit financial institution offering traditional credit union services including savings accounts, loans, and financial products to eligible members.

BBB: NR

Profile signals: Individuals seeking NCUA-insured savings accounts and share certificates, Members eligible for Texas Lee's field of membership looking for member-owned financial services

Union Fidelity logo

Union Fidelity

Union Fidelity FCU is a member-owned federal credit union offering deposit accounts, loans, mortgages, and member benefits including discounts on retail services.

BBB: NR

Profile signals: Members seeking simplified online account opening without branch visits, Consumers interested in pairing banking services with retail membership discounts

World Credit Union logo

World Credit Union

One World Bank is a Texas-based community bank offering personal and business checking, mobile banking, and ATM access with a focus on personalized customer service.

BBB: NR

Profile signals: Texas residents seeking relationship-based community banking with personalized service, Small business owners in the Dallas-Houston corridor looking for local business checking