Compare credit unions providers in Houston, TX — 36 listed profiles with pricing, licensing, and CFPB complaint context. Review 36 listed profiles.
Featured providers with verified public review signals. Sorted by stored Google rating. Every listing links to a CreditDoc profile with pricing, licensing, and complaint context.
Houston, TX
★ 4.9 · 23 reviews
Memorial Credit Union is a federally-chartered credit union offering savings, checking, loans, credit cards, and mortgages to members in the Houston area with competitive rates and digital banking tools. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Houston, TX
★ 4.8 · 212 reviews
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. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Houston, TX
★ 4.8 · 49 reviews
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. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Houston, TX
★ 4.8 · 575 reviews
Houston-based credit union offering member-owned banking with low-rate auto loans, mortgages, home equity lines, and checking accounts since 1934. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Houston, TX
★ 4.8 · 866 reviews
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. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Houston, TX
★ 4.7 · 824 reviews
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. This Houston listing is one of 36 listed credit unions providers reviewed by CreditDoc.
View Details →Below are every credit unions provider CreditDoc has listed in Houston, TX. Review pricing, refund terms, licensing, and CFPB complaint context on each profile. Comparing at least three profiles side-by-side is the fastest way to spot outliers on price or terms in the Houston market.
Houston, TX
BBB NR
Memorial Credit Union is a federally-chartered credit union offering savings, checking, loans, credit cards, and mortgages to members in the Houston area with competitive rates and digital banking tools. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Houston-based credit union offering member-owned banking with low-rate auto loans, mortgages, home equity lines, and checking accounts since 1934. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Greater Texas Credit Union is a federally chartered credit union offering auto loans, home loans, free checking, and credit cards with competitive rates to its membership base. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Houston Federal Credit Union is a Texas-based credit union offering checking, savings, auto loans, mortgages, and credit cards with competitive rates and member-focused services. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
First Community Credit Union's Copperfield branch offers traditional credit union banking services including deposits, withdrawals, and ATM access in Houston, TX. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Union Fidelity Federal Credit Union offers member-focused banking with checking, savings, loans, and mortgages. Members gain access to exclusive discounts and competitive rates compared to traditional banks. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Member-owned credit union serving Dallas County and surrounding Texas cities with comprehensive personal and business banking solutions. Federally insured by NCUA. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Cy-Fair FCU is a federal credit union offering checking, savings, auto loans, mortgages, and home equity products to members in the Houston area. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Energy Capital Credit Union is a Houston-based credit union serving 19,000+ members with checking, savings, loans, and insurance products since 1934. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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 competitive rates. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Federal credit union offering checking, savings, auto loans, credit cards, and home financing to Houston-area members with a focus on financial wellness. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
USE Credit Union is a federally insured financial cooperative offering auto loans, mortgages, personal loans, checking accounts, and credit cards to members. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BCM Federal Credit Union is a member-owned, not-for-profit credit union offering loans, savings accounts, and digital banking services with competitive rates. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
Not-for-profit federal credit union in Houston offering auto loans, personal loans, and share-secured loans with member ownership benefits. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
First Community Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with online and mobile banking access. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Houston-based Islamic credit union offering 0% interest loans and NCUA-insured savings accounts to Jafari Muslim community members across the US. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
Wellby Financial is a Houston-based credit union offering checking, savings, mortgages, home equity, vehicle loans, credit cards, and investment services to members. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
Member-owned federal credit union in Houston, TX offering checking, savings, loans, and digital banking services to 63+ members since 1954. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
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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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
Reed Credit Union is a member-owned financial cooperative established in 1935, offering personal loans, auto/truck financing, and savings accounts with competitive rates. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
Texas Bay Credit Union is a member-owned, not-for-profit financial institution offering personal banking, loans, and business services with NCUA insurance protection. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
Union Fidelity FCU is a member-owned federal credit union offering deposit accounts, loans, mortgages, and member benefits including discounts on retail services. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Houston, TX
BBB NR
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. This is a Houston credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Federal protections for Houston consumers: the Fair Credit Reporting Act (FCRA) gives Houston residents the right to dispute inaccurate credit report information for free with all three credit bureaus. The Credit Repair Organizations Act (CROA) makes it illegal for any credit repair provider — in Houston or elsewhere — to charge before services are performed. If a Houston credit unions provider asks for upfront payment before performing work, treat it as a red flag.
Texas state-level protections: Texas adds its own state-level rules on top of the federal ones. Interest-rate caps, licensing requirements, refund policies, and enforcement all vary by state. Check the Texas overview page for the current usury cap, payday-lending status, and consumer protection agency contact. Every Houston lender should hold an active Texas license — if a provider cannot give you their license number in writing, treat it as a red flag.
How to check licensing: the Texas Department of Financial Services (or equivalent agency) publishes a searchable license lookup. Before your first meeting with any Houston credit unions provider, spend five minutes cross-checking their license status. Providers that refuse to give a license number are often unlicensed to operate in Houston or have had licenses revoked.
How to research a Houston provider's track record: the CFPB Consumer Complaint Database at consumerfinance.gov/complaint lists complaints filed against every lender, credit repair company, and debt collector in the country. A pattern of unresolved complaints against a specific Houston provider is one of the strongest signals available before signing a contract.
Get the pricing in writing. Ask every Houston credit unions provider for their fees, monthly cost (if applicable), setup fee (if applicable), and APR (for lending products) in writing before signing. Providers that only quote pricing over the phone or that offer "call for a personalized quote" without a public pricing tier are harder to compare and usually more expensive.
Confirm the refund policy. Ask each Houston provider what happens if you cancel within the first three days (federal CROA window), within the first month, and after the promised results are not delivered. Refund policies are one of the biggest differentiators between credit unions providers in Houston, and they are frequently not disclosed until after signing.
Cross-check with the CFPB. Search each Houston provider's exact business name in the CFPB Consumer Complaint Database. A provider with zero complaints is not necessarily better — it may just be smaller. But a provider with a pattern of unresolved complaints in the same category (e.g. billing disputes, misleading claims about credit repair timelines, high-cost lending disclosures) is a strong signal to keep researching alternatives.
Compare at least three providers. Houston has 36 listed credit unions providers on CreditDoc. Reviewing three provider profiles side-by-side is the fastest way to spot pricing outliers, licensing gaps, and refund-policy differences. Providers that are transparent about pricing, licensing, and refund terms will match this level of preparation on their side; providers that resist it are usually not the right fit.
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