About 100 million Americans prefer credit unions over banks, which is why they use the services of these member-owned, nonprofit financial institutions. Finding the best credit union can get challenging though, since you need to make sure that it is insured and provides comprehensive services.
To make matters easy for you, here is a compilation of the top 7 seven credit unions in your city:
Members Trust Credit Union
Members Trust Credit Union emerged as a necessity with the humble objective of meeting the financial needs of farmers. Initially, the credit union served dairy farmers within 50 miles of Houston.
The community financial institute now expands its services to other areas including Erath County Texas and Houston’s north side. Dairy farmers throughout Oklahoma and the state of Texas can also join the credit union. Besides a rich history, Members Trust Credit Union offers full services with checking accounts, savings account, and certificates.
Loans for consumers and businesses also exist. What’s more? Online access and e-services are also available. There is another plus, the NCUA-insured credit union has an app, which not all credit unions offer.
JSC Federal Credit Union
Another reputable Credit Union Houston is the JSC Federal Credit Union (JSC FCU), which was established back in 1961. Since then it has been serving Houston with its services extending far and wide. JSC FCU provides multiple facilities that range from electronic services to money banking with check capture or Express Deposit.
Moreover, you can check your account without an additional fee and avail other services such as Apple Pay, Bill Pay, and mobile wallet among others. Plus, you can also get vehicle loans, debt consolidation loans, real estate loans, and more – all at low rates.
With a community of 123,000 members, JSC FCU handles financial concerns in Houston (Clear Lake), Pearland, League City, Friendswood, Ellington, Galveston, Texas City, Dickinson, Seabrook, La Porte, Pasadena, and Deer Park. Additionally, JSC Federal Credit Union has several branches in the Houston area.
First Tech Federal Credit Union
First Tech is a federally insured credit union that serves in Houston alongside multiple other areas like Oregon and Washington. Some of the numerous financial services that First Tech offers include electronic banking, checking and savings account, and lots of loan options including student, vehicle, personal, stock, and home.
You are eligible to apply for First Tech credit union with a paid membership to the Financial Fitness Association. Furthermore, First Tech has ATMs as well. Also, the credit union has been mentioned in Nerd Wallet’s list of best credit unions.
Smart Financial Credit Union.
Smart Financial is another excellent credit union in Houston. It provides comprehensive services including savings and checking accounts, insurance packages, credit cards, business and personal loans, and online banking services.
Therefore, Smart Financial serves as a one-stop solution for all your financial needs. Eligibility to this credit union is open to folks who live, attend school, work, or run a business in Fort Bend, Brazoria, Montgomery and Harris Counties.
You can also avail the financial services of the credit union if you work in the medical industry in Orange, Chambers, Jefferson, and Galveston counties in Texas. Unlike tons of other credit unions, Smart Financial credit union offers ATM access.
People’s Trust Federal Credit Union
Another top credit union in Houston is People’s Trust Federal Credit Union. The credit union has grown significantly since it was established in 1935 by Shell employees. You can get a membership if you live, attend church or school, or work in Houston and are an employee of Shell and its subsidiaries.
Besides, you are also eligible if you are an immediate family member of existing members of the Shell companies or eligible members. The credit union provides checking and savings accounts, credit cards, investment services, as well as insurance packages. It also offers mobile banking.
Houston Texas Fire Fighters Federal Credit Union
Houston Texas Fire Fighters Federal Credit Union started with a mere cash of $3 in 1935. Presently, however, the credit union has grown to become a major financial establishment with more than $250 million in assets.
As its name indicates, membership to this credit union extends to current firefighters in Houston, and employees of Retirement Fund and Firefighters Relief. You can also join if you are a relative of any of the individuals mentioned above. The credit union offers comprehensive services covering mobile and online banking services, extensive loan offerings, and credit options among other things.
First Community credit union is also a reputable credit union in Houston that was chartered in 1954. It was established to serve employees of Spring Ranch Independent School District. The credit union has grown to provide services to numerous communities in the Greater Houston area.
Ranked among the largest credit unions in Houston, First Community exhibits over 115,000 members and 18 branches. It provides checking and savings accounts, business services, local mortgages, loans, and credit cards.