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WesTex Federal Credit Union is a member-owned, non-profit credit union based in Lubbock, Texas, offering checking, savings, auto loans, mortgages, and personal loans to its members.
Data compiled from public sources
WesTex Federal Credit Union is a federally-chartered credit union headquartered in Lubbock, Texas (routing number 311385948). As a member-owned, not-for-profit financial institution insured by the NCUA, WesTex operates under the cooperative banking model where members are partial owners rather than customers of a for-profit bank.
The credit union offers a comprehensive suite of retail financial products including two types of checking accounts (Basic Checking and Silver Savers Checking for members 55+), savings accounts, term share certificates (CDs), IRAs, HSAs, and Coverdell Education Savings Accounts. On the lending side, WesTex provides auto loans, motorcycle/ATV/UTV loans, home loans with refinancing options, and personal loans. Members can access accounts through 24/7 online and mobile banking, Apple Pay integration, and mobile check deposit functionality.
WesTex distinguishes itself through listed services like a dedicated Vehicle Center for pre-owned vehicles, affordable motorcycle and powersports financing, and free additional services for its senior checking account holder (free checks, money orders, and cashier's checks). The credit union emphasizes convenience with an online loan application available to both members and non-members, loan calculators, and after-hours customer service.
As a credit union, WesTex is member-focused rather than profit-driven, which typically translates to rate claims to verify and lower fees. However, membership is required to access most products, and as a regional institution, it may have limited branch/ATM networks compared to nationwide banks. The website provides clear product outlines but lacks specific rate information, requiring members to contact the institution directly for current pricing.
This is state-level context for Credit Unions consumers in Lubbock, TX. It does not confirm that Westex 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.
Westex offers 12 services including Basic Checking Account (free, no monthly service fee), Silver Savers Checking (free for 55+, includes free checks and money orders), Savings Accounts, Term Share Certificates (CDs), IRA and HSA accounts, and 7 more.
Westex has profile signals associated with Lubbock, Texas area residents seeking membership-based banking with rate claims to verify and low fees, Members age 55+ looking for senior-friendly checking with free services like check printing and cashier's checks, Motorcycle and powersports enthusiasts seeking listed financing beyond traditional auto loans, Members prioritizing local, community-focused financial institutions over national chain banks.
Key strengths: Two free checking account options with no monthly service fees, including listed Silver Savers account for members 55+ with free checks and money orders; 24/7 online and mobile banking with Apple Pay and mobile check deposit capabilities; listed vehicle financing for motorcycles, ATVs, and UTVs in addition to traditional auto loans. Areas to consider: Membership requirement to access most products and services, limiting accessibility compared to traditional banks; Website does not display current interest rates for checking, savings, CDs, or loans—requires direct contact for pricing.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, ALLIANCE Credit Union, Security Service 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
WesTex Federal Credit Union is profile signals for Texas residents in or near Lubbock seeking membership-based banking with low-fee checking and competitive lending products, particularly those interested in vehicle financing. Primary caveat: membership is required, the institution is regional rather than nationwide, and current rate information is not published online.
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Google rating from 1,135 reviews
Profile signals: Texas residents seeking a digital-first banking experience with a mobile-optimized platform, Auto loan refinancers looking to lower existing rates through credit union partnerships
Member-owned credit union headquartered in Lubbock, TX, offering checking, savings, loans, mortgages, and credit cards with a not-for-profit service model.
Google rating from 803 reviews
Profile signals: 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
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.
Google rating from 1,765 reviews
Profile signals: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates
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