Amarillo, TX

Credit Repair & Financial Services in Amarillo

Review 9 credit repair companies, personal lenders, and financial services in Amarillo, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Texas avg credit score: 694 Median income: $73,035 Poverty rate: 13.4% Payday loans: Legal Texas overview →

Featured Provider Profiles in Amarillo

9 companies
Access Community logo

Access Community

Member-owned credit union serving Potter and Randall counties in Amarillo, Texas, offering checking, savings, loans, and mortgages with community focus since 1953.

BBB: NR

Profile signals: Amarillo-area residents and employees seeking local, personalized financial services with community values, Members prioritizing not-for-profit structure and rate claims to verify over national brand convenience

Amarillo National Bank logo

Amarillo National Bank

Amarillo National Bank is a full-service regional bank offering personal and business checking, savings, loans, credit cards, and wealth management services with FDIC insurance and local presence.

BBB: NR

Profile signals: Texas-based personal customers seeking a full-service bank with online, mobile, and branch access, Small to medium business owners needing checking, merchant services, and treasury management in one institution

Amarillo Postal Employees logo

Amarillo Postal Employees

Member-owned credit union serving Amarillo postal employees and their families with competitive loan rates, share savings accounts, and online banking services.

BBB: NR

Profile signals: Amarillo Post Office employees and their immediate family members seeking member-focused banking, Postal workers in the Texas Panhandle region eligible for membership

Citizens Bank logo

Citizens Bank

Citizens Bank Amarillo, TX — Citizens Bank is a community-focused retail bank operating since 1904, offering checking, savings, home loans, and mobile b...

BBB: NR

Profile signals: Local community members seeking relationship-based banking with in-person service, Homebuyers interested in community bank mortgage options

Education logo

Education

Education Credit Union is a federally insured credit union offering checking, savings, loans, mortgages, and financial education to its members.

BBB: NR

Profile signals: Community members seeking credit union membership benefits and local banking relationships, Vehicle owners looking to refinance auto loans at rate claims to verify

Firstbank Southwest logo

Firstbank Southwest

FirstBank Southwest is a community bank serving Texas' Panhandle and surrounding states since 1907, offering personal and business banking with FDIC insurance.

BBB: NR

Profile signals: Residents of Texas Panhandle, Oklahoma, Kansas, New Mexico, or Colorado seeking local community bank relationships, Small business owners and entrepreneurs in served markets needing treasury management and commercial lending

Credit Unions in Amarillo

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Access Community logo

Access Community

Member-owned credit union serving Potter and Randall counties in Amarillo, Texas, offering checking, savings, loans, and mortgages with community focus since 1953.

BBB: NR

Profile signals: Amarillo-area residents and employees seeking local, personalized financial services with community values, Members prioritizing not-for-profit structure and rate claims to verify over national brand convenience

Amarillo Postal Employees logo

Amarillo Postal Employees

Member-owned credit union serving Amarillo postal employees and their families with competitive loan rates, share savings accounts, and online banking services.

BBB: NR

Profile signals: Amarillo Post Office employees and their immediate family members seeking member-focused banking, Postal workers in the Texas Panhandle region eligible for membership

Education logo

Education

Education Credit Union is a federally insured credit union offering checking, savings, loans, mortgages, and financial education to its members.

BBB: NR

Profile signals: Community members seeking credit union membership benefits and local banking relationships, Vehicle owners looking to refinance auto loans at rate claims to verify

Intercorp logo

Intercorp

Intercorp Credit Union is a member-owned, not-for-profit financial cooperative offering savings accounts, loans, credit cards, and cash advances to eligible members with lifetime membership benefits.

BBB: NR

Profile signals: Individuals seeking member-owned financial institution with profit-sharing dividend benefits, Families wanting lifetime banking relationship that extends to immediate family members

The People'S logo

The People'S

People's Community Federal Credit Union is a member-owned, not-for-profit credit union serving Vancouver, WA with rate claims to verify on checking, savings, auto loans, and credit cards.

BBB: NR

Profile signals: Local Vancouver, WA residents seeking to bank with a community-based, member-owned financial institution, Savers with modest deposit amounts ($750-$35,000) who can meet monthly activity requirements for high-yield accounts

Banks in Amarillo

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Amarillo National Bank logo

Amarillo National Bank

Amarillo National Bank is a full-service regional bank offering personal and business checking, savings, loans, credit cards, and wealth management services with FDIC insurance and local presence.

BBB: NR

Profile signals: Texas-based personal customers seeking a full-service bank with online, mobile, and branch access, Small to medium business owners needing checking, merchant services, and treasury management in one institution

Citizens Bank logo

Citizens Bank

Citizens Bank Amarillo, TX — Citizens Bank is a community-focused retail bank operating since 1904, offering checking, savings, home loans, and mobile b...

BBB: NR

Profile signals: Local community members seeking relationship-based banking with in-person service, Homebuyers interested in community bank mortgage options

Firstbank Southwest logo

Firstbank Southwest

FirstBank Southwest is a community bank serving Texas' Panhandle and surrounding states since 1907, offering personal and business banking with FDIC insurance.

BBB: NR

Profile signals: Residents of Texas Panhandle, Oklahoma, Kansas, New Mexico, or Colorado seeking local community bank relationships, Small business owners and entrepreneurs in served markets needing treasury management and commercial lending

Herring Bank logo

Herring Bank

Community bank offering personal banking, business loans, mortgages, and wealth management across Texas, Oklahoma, and Colorado with emphasis on local relationship banking.

BBB: NR

Profile signals: Small business owners and entrepreneurs in Texas/Oklahoma who value relationship-based lending and local understanding, Homebuyers in targeted states seeking mortgage options (conventional, FHA, VA, jumbo) with personal service

Your Rights in Texas

Texas Consumer Protections: 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.

Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.

Key Regulations:
  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
  • The Texas Finance Code regulates consumer lending but exempts CABs from rate caps.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Texas Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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