Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.
Data compiled from public sources · Google rating shown when a stored review count is available
ALLIANCE Credit Union is a member-owned, not-for-profit financial cooperative based in Lubbock, Texas, with headquarters at 6219 Spur 327. The credit union operates multiple branches across the Lubbock area (Headquarters, Quaker Avenue, University, and 34th Street locations) and serves its members through a cooperative business model where all profits are reinvested into the organization.
The credit union offers comprehensive banking and lending services including personal checking and savings accounts (ALLIANCE Checking, Revive Checking, Liquid Asset, Money Market), certificates of deposit, IRAs, auto loans with refinancing options, student loans (including parent loans and refinancing), home mortgages (conventional, FHA, VA, USDA, construction, and self-employed programs), home equity lines of credit, Visa credit cards (standard and secured), commercial banking, and listed products like their "Bits of Stock™" program. They also provide commercial checking and commercial loan options.
ALLIANCE distinguishes itself through its explicitly stated business model of offering the lowest rates on consumer loans while paying higher deposit rates than competitors, all while prioritizing member service quality over profitability. The credit union maintains 24/7 drive-through ATM access (ALLIANCE Express ITM) at multiple locations and employs dedicated mortgage loan officers and commercial loan officers. They also provide financial education resources, fraud prevention guidance, and active community engagement through the ACU Foundation.
As a traditional credit union with geographically limited membership (serving primarily Lubbock County, Texas), ALLIANCE is best suited for local members seeking rate claims to verify and personalized service rather than those requiring nationwide branch networks or digital-first banking experiences. The organization demonstrates transparency about scam prevention and security awareness, though specific APR ranges, membership eligibility requirements, and comparative rate data are not detailed on the public website.
As a financial institution, this bank competes with both traditional banks and newer fintech personal loan lenders in the consumer lending space. Borrowers seeking personal loans for bad credit may find more flexible terms through online lenders, while those focused on simplifying payments may benefit from debt consolidation loans with fixed rates. For credit building, secured credit cards and credit builder loans offer structured paths to improvement. Credit monitoring services provide ongoing visibility into credit health, and credit counseling through nonprofit agencies can help consumers create sustainable budgeting plans. Many banks offer installment loans with fixed monthly payments over 12 to 60 months, giving borrowers a clear payoff timeline.
This is state-level context for Credit Unions consumers in San Antonio, TX. It does not confirm that ALLIANCE Credit Union or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ALLIANCE Credit Union offers 12 services including Personal checking accounts (ALLIANCE Checking, Revive Checking), Savings accounts (Liquid Asset, Money Market, Certificates of Deposit, IRAs, Junior Certificates), Auto loans and auto loan refinancing with skip-a-pay option, Student loans and student loan refinancing (personal and parent loans), Home mortgages (conventional, FHA, VA, USDA, construction, self-employed, H.O.M.E. 100 program), and 7 more.
ALLIANCE Credit Union has profile signals associated with Lubbock-area residents seeking competitive loan rates and personalized service from a member-owned institution, Homebuyers interested in listed mortgage programs (FHA, VA, USDA, construction, self-employed loans) with dedicated loan officers, Small business owners in the Lubbock region needing commercial checking, loans, and renovation financing, Credit union members who prioritize not-for-profit banking ethics and reinvested profits over national bank convenience.
Key strengths: Member-owned, not-for-profit structure ensures profits are reinvested for member benefit rather than shareholder returns; Explicitly advertises lowest consumer loan rates and higher deposit rates than competitors; 24/7 ALLIANCE Express ITM drive-through ATM access at multiple locations for round-the-clock banking. Areas to consider: Geographically limited to Lubbock, Texas area with only 4 branches, restricting access for non-local members; Website does not disclose specific APR ranges, rates, or membership eligibility requirements needed for rate comparison.
In the Credit Unions category, comparable providers include CME Federal Credit Union, First Community Credit Union - Spring Branch, River City Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ALLIANCE Credit Union is profile signals for Lubbock-area residents and small business owners seeking a member-owned alternative to traditional banks with rate claims to verify and a not-for-profit mission. The primary caveat is geographic limitation—this credit union only serves the Lubbock, Texas area and does not provide nationwide access or detail APR ranges online, requiring prospective members to contact them directly for rate and eligibility information.
CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Google rating from 249 reviews
Profile signals: Central Ohio residents and employees seeking rate claims to verify with a community-focused financial institution, Homebuyers in Ohio looking for listed savings programs and mortgage lending
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.
Google rating from 1,397 reviews
Profile signals: Working professionals needing extended evening and Saturday banking hours, Houston-area residents seeking credit union membership with multiple local branch options
Federal credit union based in San Antonio offering checking, savings, loans, and credit cards to members. Routing #314088530.
Google rating from 174 reviews
Profile signals: San Antonio area residents seeking full-service banking with community focus, Individuals needing payday alternative loans (MyCash PAL) with rates under 36% APR
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