Best Credit Unions in San Antonio, TX

Compare 14 credit unions companies serving San Antonio, Texas. Average rating: 4.4/5.

14 Companies 14 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

Top-Rated Credit Unions

Security Service Federal Credit Union logo

Security Service Federal Credit Union

Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.

4.6/5
Free BBB: A+

Best for: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates

ALLIANCE Credit Union logo

ALLIANCE Credit Union

Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.

4.5/5
Free BBB: NR

Best for: Lubbock-area residents seeking competitive loan rates and personalized service from a member-owned institution, Homebuyers interested in specialized mortgage programs (FHA, VA, USDA, construction, self-employed loans) with dedicated loan officers

River City Federal Credit Union logo

River City Federal Credit Union

Federal credit union based in San Antonio offering checking, savings, loans, and credit cards to members. Routing #314088530.

4.5/5
Free BBB: NR

Best for: San Antonio area residents seeking full-service banking with community focus, Individuals needing payday alternative loans (MyCash PAL) with rates under 36% APR

Security Service Federal Credit Union logo

Security Service Federal Credit Union

Security Service Federal Credit Union is a federally insured credit union offering checking, savings, mortgages, and investment services with nationwide ATM access and shared branching.

4.5/5
Free BBB: NR

Best for: Military-affiliated individuals eligible for Security Service membership seeking personalized service and competitive rates, Consumers wanting credit union benefits like member ownership, shared branching, and extensive ATM networks

Security Service Federal Credit Union – Headquarters logo

Security Service Federal Credit Union – Headquarters

Member-owned federal credit union offering checking, savings, certificates, mortgages, and auto loans with competitive rates and insurance discounts.

4.5/5
Free BBB: NR

Best for: Credit union members seeking competitive savings rates on certificates of deposit with lower minimums, Homebuyers and auto loan seekers comparing member-owned credit union mortgage and auto loan rates

SSFCU logo

SSFCU

Security Service Federal Credit Union offers online banking, mortgages, and investment accounts with digital access to manage accounts anytime, anywhere.

4.5/5
Free BBB: NR

Best for: Existing SSFCU members managing multiple accounts who need 24/7 digital access, Consumers seeking integrated account management across checking, savings, mortgages, and investments

All Credit Unions in San Antonio (14)

Security Service Federal Credit Union logo

Security Service Federal Credit Union

Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.

4.6/5
Free BBB: A+

Best for: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates

ALLIANCE Credit Union logo

ALLIANCE Credit Union

Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.

4.5/5
Free BBB: NR

Best for: Lubbock-area residents seeking competitive loan rates and personalized service from a member-owned institution, Homebuyers interested in specialized mortgage programs (FHA, VA, USDA, construction, self-employed loans) with dedicated loan officers

River City Federal Credit Union logo

River City Federal Credit Union

Federal credit union based in San Antonio offering checking, savings, loans, and credit cards to members. Routing #314088530.

4.5/5
Free BBB: NR

Best for: San Antonio area residents seeking full-service banking with community focus, Individuals needing payday alternative loans (MyCash PAL) with rates under 36% APR

Security Service Federal Credit Union logo

Security Service Federal Credit Union

Security Service Federal Credit Union is a federally insured credit union offering checking, savings, mortgages, and investment services with nationwide ATM access and shared branching.

4.5/5
Free BBB: NR

Best for: Military-affiliated individuals eligible for Security Service membership seeking personalized service and competitive rates, Consumers wanting credit union benefits like member ownership, shared branching, and extensive ATM networks

Security Service Federal Credit Union – Headquarters logo

Security Service Federal Credit Union – Headquarters

Member-owned federal credit union offering checking, savings, certificates, mortgages, and auto loans with competitive rates and insurance discounts.

4.5/5
Free BBB: NR

Best for: Credit union members seeking competitive savings rates on certificates of deposit with lower minimums, Homebuyers and auto loan seekers comparing member-owned credit union mortgage and auto loan rates

SSFCU logo

SSFCU

Security Service Federal Credit Union offers online banking, mortgages, and investment accounts with digital access to manage accounts anytime, anywhere.

4.5/5
Free BBB: NR

Best for: Existing SSFCU members managing multiple accounts who need 24/7 digital access, Consumers seeking integrated account management across checking, savings, mortgages, and investments

Alamo City Credit Union logo

Alamo City Credit Union

Texas-based credit union offering savings accounts, certificates of deposit, and loans at competitive rates to members. Non-profit cooperative returning profits to members via dividends and low loan rates.

4.4/5
Contact BBB: NR

Best for: San Antonio-area residents eligible for credit union membership seeking competitive savings and loan rates, Members wanting fee-free ATM access through the CO-OP nationwide network

Firstmark Credit Union logo

Firstmark Credit Union

Firstmark Credit Union is a Texas-based credit union offering checking, savings, loans, and credit cards with a focus on community banking and member education.

4.4/5
Contact BBB: NR

Best for: Texas residents seeking competitive checking rates and cash rewards through credit union membership, Homeowners looking to refinance or access home equity through HELOC or home equity loans

Firstmark Credit Union (No Member Services) logo

Firstmark Credit Union (No Member Services)

Texas-based credit union offering checking, savings, loans, credit cards, and home equity products with bilingual support and community focus through the Firstmark Foundation.

4.4/5
Contact BBB: NR

Best for: Texas residents seeking full-service banking with above-market checking yields and community values, Spanish-speaking consumers needing bilingual financial services and support

Soarion Credit Union logo

Soarion Credit Union

Federal credit union based in San Antonio serving members in Texas with checking, savings, auto loans, mortgages, and digital banking services since 1952.

4.4/5
Contact BBB: NR

Best for: San Antonio and Del Rio area residents seeking local credit union membership with digital banking convenience, Consumers prioritizing high-yield savings with NCUA protection and monthly dividend compounding

City Public Service/IBEW Federal Credit Union logo

City Public Service/IBEW Federal Credit Union

San Antonio-based federal credit union exclusively serving CPS Energy employees and families since 1938, offering checking, savings, loans, and credit cards with competitive rates.

4.3/5
Contact BBB: NR

Best for: CPS Energy employees seeking affordable, personalized financial services from a member-owned institution, Family members of CPS Energy employees wanting to consolidate finances with a credit union focused on their employer community

H-E-B Federal Credit Union logo

H-E-B Federal Credit Union

H-E-B Federal Credit Union is a membership-based financial institution exclusively serving H-E-B Partners, Senior Partners, and their families with banking, loans, and savings products.

4.2/5
Contact BBB: NR

Best for: Current H-E-B Partners and Senior Partners seeking employer-aligned financial services, H-E-B employee families looking for credit union membership and loan products

RBFCU - Summit logo

RBFCU - Summit

RBFCU Summit is a credit union branch in San Antonio offering traditional banking services, safe deposit boxes, notary services, and 24/7 ATM access with teller assistance.

4.1/5
Contact BBB: NR

Best for: RBFCU members in the San Antonio area needing convenient local branch access, Individuals seeking 24/7 ATM deposits without branch visit requirements

Select Federal Credit Union logo

Select Federal Credit Union

Select Federal Credit Union is a community-focused credit union serving Eastside San Antonio residents with $41M+ in assets and over 7,000 members since 1939.

4.1/5
Contact BBB: NR

Best for: Eastside San Antonio residents seeking community-focused banking with personalized service, Students and church members within Select FCU's field of membership looking for traditional credit union products