Top 15 Best Credit Unions in Houston, TX | 2020-2021 Ranking

2020-2021 RANKING & REVIEWS
BEST CREDIT UNIONS IN HOUSTON, TEXAS

Intro: Finding the Best Credit Unions in Houston, TX

When looking for a place to bank in Houston, many people are turned off by the “big banks” and prefer to work with a more community-oriented financial institution. Often smaller financial centers are more flexible when it comes to loan terms and the types of interest they pay.

The desire to feel like a friend rather than a number, combined with the sometime hidden fees and questionable customer service found at some large corporate banking institutions, has led people to search for alternative banking solutions, like Texas credit unions.

Houston area credit unions are non-profit institutions and their account holders, or members, often have an opportunity to share in dividends.

A Houston credit union also will tend to have a smaller, community feel and only serve a certain geographic region (like a town or several counties) or a specific group of people (i.e. employed by certain organizations).

The freedom of not being a “for profit” like banks are, allows the best Houston credit unions to offer their members better deals on interest rates and other special offers. They serve their account holders, rather than corporate shareholders.

Award Emblem: Top 15 Best Credit Unions in Houston, Texas

If you’ve ever wondered about credit unions in Houston and whether you should switch from a bank to a credit union, this review of the top Houston credit unions is going to help you make an informed decision.

The AdvisoryHQ team has reviewed the best credit unions in Houston, Texas and put together a list of 15 of the standouts.

You’ll find below, details on each Houston, TX credit union, the qualities that allowed us to include each in the 2020-2021 ranking, and factors why they’re among the best credit unions in Houston.

Top 15 Credit Unions in Houston, TX | Brief Comparison & Ranking

Best Credit Unions in Houston	2020-2021 Ratings
Cy-Fair Federal Credit Union	5
First Community Credit Union	5
First Service Credit Union	5
JSC Federal Credit Union	5
Members Choice Credit Union	5
People’s Trust Federal Credit Union	5
PrimeWay Federal Credit Union	5
Smart Financial Credit Union	5
TDECU	5
Texas Bay Credit Union	5
BP Federal Credit Union	4
Harris County Federal Credit Union	4
Houston Police Federal Credit Union	4
Houston Texas Fire Fighters Federal Credit Union	4
Memorial Credit Union	4

Table: Top 15 Best Credit Unions in Houston | Above list is sorted by rating

What’s the Difference Between a Bank & Credit Union in Houston, Texas?

Those individuals who have only had checking and savings accounts or loans through traditional banks, might not realize the differences between a Houston credit union and a Houston bank.

Both types of financial institutions offer typical financial services, such as:

Checking accounts
Savings accounts
Loans
Investments
Online banking

However, there are certain distinctions between banks and Houston area credit unions that you should know about.

Best Houston Credit Union | 2020-2021 Ranking

Profit vs Non-Profit

Banks are for-profit institutions with shareholders. This can lead to a conflict of interest in who they are really serving – their customers or their profit margin.

On the other hand, a Houston, TX credit union is a non-profit organization, which means their only goal is to serve their member account holders and they don’t have shareholders who may not have their members’ best interests in mind to appease.

Loans & Savings Interest Rates

Large corporate banks that may be nationwide or global have less flexibility in the interest rates they offer. They’re decided at the corporate level and often based upon the bank’s profit margin.

A credit union in Houston, Texas has more flexibility for offering better loan and savings rates for their members, because they’re generally smaller and more locally based. Additionally, since they are non-profit, they aren’t in it to make money, but to serve their members.

Who Can Open an Account

This is one area where banks are more flexible, they allow anyone to open an account, and do not have the same restrictions that Houston credit unions have.

Even the best Houston credit unions will have membership restrictions, so you may not be able to open an account at the credit union in Texas that you want to. Membership eligibility can be based on things like employer, the location where you live, volunteer, work, go to school, or worship, or another factor.

Typically, the best Houston credit unions will allow family members of a member to also join and may have a “loophole” such as a small donation to a specific charity that will make you eligible.

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2020-2021 AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top 15 Best Credit Unions in Houston

Below, please find a detailed review of each institution on our list of 2020-2021 best credit unions in Houston, Texas. We have highlighted some of the factors that allowed each Houston credit union to score so high in our selection ranking.

Click any of the names below to go directly to the detailed review section for that Houston credit union (names are listed alphabetically):

Click below for previous years’ rankings:

2017 Review: Top 14 Best Credit Unions in Houston, TX

Cy-Fair Federal Credit Union Review

Cy-Fair Federal Credit Union was started in 1956 by local educators, and it’s grown into a leading member-owned financial institution serving Houston and the surrounding area. They offer three branches and are part of the Co-Op Shared Branch network with access to over 5,000 shared branches.

This Houston, TX credit union takes pride in their community vision and enjoys being a supporting partner to the towns it serves and is actively involved in outreach and development.

Membership at this best Texas credit union is open to anything that lives, works, worships, or goes to school in Harris County or parts of Waller County, and their immediate family members.

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Cy-Fair Mission and Values

As one of the top credit unions in Houston, TX, Cy-Fair strives to be a key partner during its members’ financial journeys.

As stated on its website, this top Texas credit union’s vision is to anticipate and deliver unique solutions for its diverse and growing membership. It strives to provide member service and products that unlock and cultivate its members’ financial future.

Their main mission is to be the key partner on your financial journey.

Checking and Savings Options

Cy-Fair Federal Credit Union offers several checking and savings account options for individuals and businesses.

Although the terms and benefits of each account varies, checking accounts can be linked to a MasterCard debit card, online banking and bill pay, and access to 55,000 Allpoint ATMs. Fees may apply.

Consumer checking account options include:

Advantage Plus: Multiple features, designed for convenience
Z-Checking: High interest rate and additional features
Fresh Start: For those repairing credit or looking for a fresh start managing finances.

Insured savings accounts include Regular Savings, Christmas Club, Kids Club, and Money Market.

The Regular Savings at this credit union in Houston, Texas has no monthly maintenance fees and allows to you to earn dividends when you have a minimum $1,000 average daily balance.

Convenient Mobile & Online Banking

Mobile Banking

Cy-Fair offers online banking, mobile banking and mobile wallet solutions to ensure members can bank where they want, when they want.

Cy-Fair’s mobile banking app allows account holders to:

Deposit checks remotely
Check balance and transaction history
Pay bills and credit cards
Make money transfers
ATM and branch locator

Online Banking & Bill Pay

Online banking and bill pay allows members to bank from home and manage accounts from a home computer. Services available through online banking are:

Check balance and transaction history
Set email alerts at customized account balance levels and for bill due dates
Pay bills and make online transfers
Schedule auto bill pay
Deposit checks remotely
Open new accounts or apply for loans
Manage purchase rewards

Rating Summary

Cy-Fair offers several banking options for their members, including a choice of credit cards, checking and savings accounts. They additionally offer multiple loan options and business services.

Although this Houston credit union has only three branches, their membership in the Co-Op Shared Branch Network gives members the opportunity to bank at other member branches throughout the country. A convenience that includes over 5,000 branch options.

With a full range of financial services and a mission to make their members’ financial lives better, Cy-Fair earns a 5-star rating as one of the best Houston credit unions to consider banking with.

First Community Credit Union Review

First Community Credit Union is the Official Credit Union of the Houston Texans football team and was chartered in 1954.

They’ve grown over the last 60+ years to having $1.4 billion in assets and being one of the largest Houston credit unions. They have approximately 17 branch locations and are a member of the Co-Op Shared Branch Network, expanding branch availability to over 5,000 nationwide branches.

Anyone that lives, works, or worships in Harris, Fort Bend, or Montgomery County is eligible for membership at First Community Credit Union.

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Versatile Checking Account Options

As one of the top credit unions in Houston, First Community Credit Union offers five different checking account options for its members. The checking accounts are:

Texans Checking
Free Checking
Rewards Checking
Money Management Accounts
Money Market

Convenient online banking is available to account holders with each type of checking option.

Also, all checking accounts can be linked to mobile banking apps (for Android, Apple, iPad, and tablets), online bill pay, Visa debit cards, and e-statements.

Some of the other benefits of checking accounts with this top Houston credit union include:

55,000+ ATMs nationwide with FCCU & Allpoint ATMs
Automated phone services
Fraud prevention tools

Overdraft Protection Options

This is one of the Houston area credit unions that has your back when it comes to protecting you from excessive overdraft penalties.

First Community has overdraft protection options available to help account holders in the event that certain accounts are overdrawn.

Overdraft Transfers

One of the options for overdraft protection is linking a savings account, line of credit or credit card to your checking account.

For a small fee, FCCU will transfer funds to a checking account to cover transactions that would have otherwise caused the account holder to overdraw the account, thus avoiding the overdraft all together.

If the transfer draws from a credit card, it will be treated as a cash advance. A specific fee schedule for this service is available on the FCCU website.

Overdraft Privilege

If certain qualifications are met, FCCU will cover an overdrawn account to a predetermined limit through their Overdraft Privilege (ODP). The program will cover checks, debit card purchases, ATM withdrawals, and ACH transactions for a fee.

In order to utilize overdraft privilege, account holders must opt in to the program.

Account holders will be charged a fee each time an overdraft is paid, unless the transaction is under $5.

FCCU doesn’t guarantee that every overdrawn account will be covered up to the pre-determined ODP limit, as this service is a courtesy.

Insurance & Loans

FCCU rounds out its comprehensive service offerings with a range of available loans and insurance products to apply for. Available loans include:

Auto loans
Home loans
Personal loans
Business loans
Lifestyle & Signature Loans
RediCash Line of Credit
Secured loans

A nice feature that this Houston credit union offers is a “Skip-A-Pay” up to twice per year, which allows you to skip a payment or two when you need to.

Insurance products include auto, life and disability protection, and homeowner’s insurance. The convenience of getting your insurance through a Houston, TX credit union saves time.

Rating Summary

If you’re looking for a full-service Houston Credit Union, then FCCU is going to be a great option for you. They have multiple member services, plus perks for fans of the Houston Texans football team.

This is one of the best Houston credit unions if you like branch options, because they’re one of the largest in the area, with 17 branch locations, plus member branches through the Co-Op Shared Branch Network.

With a full range of services and exclusive member benefits, First Community Credit Union is awarded a 5-star rating as one of the top Houston area credit unions to consider in 2020-2021.

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First Service Credit Union Review

First Service Credit Union went from 15 originating members in 1977 to serving over 60,000 members today. This best Texas credit union believes in serving their members with integrity, honesty, and respect.

This credit union in Houston, Texas has approximately 10 branches throughout the Houston area, plus members have access to over 5,000 more through the Co-Op Shared Branch Network of credit unions.

There are several ways to quality for membership at First Service. The first is to live, work, worship, or attend school in Harris, Waller, or Ford Bend counties or in Conroe ISD or Magnolia ISD. You can also be an employee of Select Group or have a family member that is a member.

Top Texas Credit Unions | Houston

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Overdraft Protection

In the unfortunate circumstance of an overdrawn account, First Service Credit Union provides overdraft protection so that members can avoid embarrassing declined transactions and merchant fees as well as to limit non-sufficient funds fees.

The program works by linking your checking account to one of your other bank accounts. First Service will make an automatic transfer to checking from that connected account if a transaction overdraws on the checking account.

Courtesy Pay Option

You can also opt in to Courtesy Pay, which is an additional form of overdraft protection. First Service will cover overdrawn transactions if you qualify for the program and have elected to opt in.

As one of the top credit unions in Houston, First Service extends Courtesy Pay to qualified members in good standing to cover items up to the eligible limit.

Fees apply, so be sure to check the fee schedule or inquire when determining whether to sign up for overdraft protection or courtesy pay through this top credit union in Texas.

Checking Account Options

First Service offers a four checking options with varied benefits and terms, so you can choose the option that fits your lifestyle best. Available accounts include:

Free Checking with Debit Rewards

This account allows you to earn rewards every time you use your Visa® debit card. You gather points and can redeem gift certificates for restaurants, gas stations, stores or travel credits.

The account has a minimum opening deposit of just $1 and no monthly service fee. It comes with convenience features like free online and mobile banking and bill pay.

High Yield Checking

If you’re looking to earn money on your checking account, then this account will let you do that. You can earn high dividends on your account balance as well as have the ability to get refunded for external ATM fees up to $12 a month.

This account does not earn rewards points and it has a $4.95 per month service fee, unless you qualify for no fee by:

Having at least one direct deposit a month for $500 or more AND 12 debit card purchases; or
Maintaining a balance of $1,000 or more

Navigator Checking

This account has no monthly service fee and allows account holders to earn cash for good grades, making it perfect for students.

Fresh Start Checking

This account is designed for account holders who need to work on rebuilding their banking history. This account has a $9 monthly service charge, a free debit card, free online banking, free online bill pay, and free e-statements.

Additional Accounts

As a top credit union in Texas, First Service Credit Union also offers a variety of savings accounts, which include:

Primary savings
Money market
Certificate of deposit
Club savings
Health savings account
Discovery youth savings

It also offers specialized business account options.

Modern Solutions

First Service offers modern technological solutions that are expected from the larger, national banks. Members can use online banking and online bill pay as well as receive e-statements and e-alerts to monitor accounts.

It has also built a mobile banking app for account holders. The app allows 24/7 access from Apple or Android devices to First Service accounts.

Services on the app include the following:

Manage accounts from your device
Mobile check deposit
View account history
Make money transfers
Pay with a tap

Rating Summary

First Service Credit Union has a wide membership eligibility territory, making it one of the best credit unions in Houston, Texas for many Houston area Texans looking for great rates and multiple account options.

With several financial products, from checking and savings to investments and insurance, and a focus on community-based banking, First Service Credit Union scores 5-stars as one of the best credit unions in Houston, TX.

TDECU Review

TDECU began in 1955 thanks to Dow employees loaning a friend money for a refrigerator. Over 60+ years, this Houston, TX credit union has grown to becoming the fourth largest credit union in Texas and the largest in Houston.

TDECU has 37 service locations, including 33 member centers. Additionally, they are a member of the Co-Op Shared Branch Network, adding over 5,000 shared branch options.

This large Houston credit union has over 312,000 members and one of the largest eligibility areas compared to other Houston credit unions. You can become a member if you live, work, worship, or attend school in one of 30 Texas counties or are an employee of a company or organization that TDECU serves.

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

High-Yield Checking

As one of the top credit unions in Houston, TDECU advertises an earning rate 25x the national average with their High-Yield Checking account.

The account currently allows members to earn as much as 3.00% APY with no fees or minimum balance. Members can also upgrade a primary savings account when they have High-Yield Checking, which will increase the APY to 1.00%.

Other perks with this checking account include:

Free monthly credit score
Free identity theft recovery services
ATM fee rebates

Financial Planning Tools

If you’d like some self-service financial planning help, this best Texas credit union has several for you to use on their website.

Create a plan for retirement, education, or major purchases to help you save, or use their Riskalyze tool to help you find areas of risk and strengthen a portfolio.

Financial tools also include calculators for things like how much you’ll need for retirement and how much you can save in a 401(k).

You can also access Guided Wealth Portfolios that can help you with portfolio management and protecting your investments against volatility.

Insurance Products

Some credit unions in Houston partner with insurance companies to bring their members insurance options, but TDECU has their own agency to support members’ insurance needs.

TDECU Insurance Agency allows members to purchase any insurance they may need without having to deal with another separate vendor. Their insurance offerings include:

Homeowners
Auto
Life & Health
Recreational Vehicles
Medicare Insurance
Accidental Death & Dismemberment

Rating Summary

As the largest Houston, TX credit union TDECU has robust resources to be able to offer their members all the financial services they could need. Their membership territory is also one of the largest in Texas, making them easy for many people to join.

With excellent rates on their checking and savings accounts and multiple financial resources for their members to use, TDECU earns a 5-star rating as one of the best Houston credit unions to consider banking with in 2020-2021.

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BP Federal Credit Union Review

Serving BP employees and contractors around the world since 1937, BP Federal Credit Union has three branches, all located in Houston, Texas.

This Houston, TX credit union has thousands of members and its assets total more than $100 million. From checking and savings to credit cards and lines of credit, they offer all the typical banking services anyone would need.

You don’t have to be employed or retired from BP to be eligible to become a member of this Houston credit union. There are approximately 23 other organizations that they consider contractor companies where employees and their family members also quality for membership.

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Comprehensive Accounts

Have you ever been confused looking over multiple checking and savings account options at a bank wondering which you should choose? One thing that puts BP among top credit unions in Houston, TX is that their account options are simple.

BP Federal Credit Union offers one checking account option and one savings account option that offer varied terms and benefits, making them one of the top credit unions in Houston.

Checking

Their interest-bearing checking account can be opened with a minimum balance of $25, or if the account is opened with direct deposit, then the $25 minimum is not necessary. The account does not have a minimum balance requirement in order to stay active.

Overdraft protection is also available, we well as features like bill pay, online banking and mobile banking.

Checking accounts can be linked to a Visa debit card, and you’ll have access to AllPoint ATMs for money withdrawals. Another nice feature of this best Texas credit union’s checking account is that there is no monthly fee and you get to earn “high dividends.”

Savings

You can also open a savings account with a minimum opening deposit of $25, if you have another active account at this top Houston credit union.

Best Houston, TX Credit Unions

If the savings account holder does not have another active account, which includes checking, loans, and/or credit cards, a $100 minimum balance must be maintained in the savings account to avoid a $5 monthly fee.

The BP Federal website states that all deposits are federally insured up to $250,000 and backed by the US government and the National Credit Union Administration.

Online and Mobile Banking

As one of the best Texas credit unions, BP Federal offers all the modern conveniences that you would expect from mobile and online banking services. These include things like e-notifications, online bill pay, home banking, and electronic statements.

This credit union in Houston, Texas also has mobile banking apps for iPhone, iPad, and Android devices. They’re free to download and allow you to do several convenient mobile banking activities, such as:

View balances and account activity
Make mobile deposits using your camera
Transfer funds
Personalize your app
Locate the nearest branch and ATM locations

Loans and Credit

If you’re looking for a credit card or loan from Houston area credit unions, BP Federal offers both that members can apply for right from their website.

The credit card they offer is a Visa Platinum card. You can go through the application process on their site and contact BPFCU to get details on rates.

They offer several different types of loans at this best Texas credit union, including:

Auto
Boat/watercraft/RV/motorcycle
Home loans
Line of credit
Personal loan
Debt consolidation
Share or stock secured

Rating Summary

BPFCU offers straight-forward options for their members that give them benefits such as interest on their checking and low minimum deposits for opening accounts.

For some that want to see more options when it comes to credit cards and checking or savings, BP might not be their perfect Houston credit union, but for those that just want simple, easy banking, they’ll be a great choice.

With a full range of services, including notary and wire transfers, and a comprehensive approach to banking, BP Federal Credit Union is a top Houston credit union to consider in 2020-2021.

We’ve awarded them with 4-stars, due to having just three locations and not explaining their credit card offerings very clearly on their website. They could easily move to 5-stars by adding more details on their credit card page for visitors to evaluate.

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Harris County Federal Credit Union Review

Harris County Federal Credit Union began in 1951 through the support of Harris County officials as well as sheriff department employee, Thelma Joyce Alsup. Today, this top Houston Credit Union serves almost 19,000 members with a full spectrum of financial solutions.

They have one location, on Franklin Street in Houston, however they are a member of the Co-Op Shared Branch Network, which expands their reach by approximately 5,00o branches and over 2,000 self-service locations.

It only takes $5 to open an account at this credit union in Houston, Texas. To be eligible to join, you need to live, work, attend school, or worship in a qualifying zip code or be a current or retired employee of Harris County, or have an immediate family member that is a member.

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Member-Oriented Scholarships

As one of the top credit unions in Houston, Harris County Federal Credit Union supports their community and students that are college bound. HCFCU awards annual scholarships to qualifying high school seniors.

Top CUs in Houston, Texas

Two $1,000 scholarships and three $500 scholarships are awarded to students in good standing, whose parents/legal guardians or grandparents are primary members of Harris County Federal Credit Union and using at least two credit union products or services.

Versatile Banking

Harris County Credit Union offers a wide selection of checking and savings accounts that you can select based on your individual needs and goals.

Checking accounts include options that bear interest and an option to help repair negative checking account history.

Options include:

Share Draft Checking
Premier Share Draft Checking
Young Adult Share Draft Checking
Second Chance Share Draft Checking

All checking accounts are linked to a debit card which can be used surcharge-free at any Allpoint ATM. Additional fees may apply.

Online and Mobile Solutions

Accounts at this top Houston credit union can be linked to online banking, which allows account holders to pay bills, view and print e-statements, view account summaries, update personal information, and transfer funds with 24/7 access.

Customers using iPhone or Android phones can also download the Sprig® by CO-OP mobile banking app, which offers services such as the following:

Combine accounts from different Co-Op network credit unions
View account balance and account history
Transfer funds
Send and receive money
Mobile check deposits
ATM and branch locator
And more

Text Banking

Accounts holders can also utilize text banking to check account balances and receive eAlerts relating to balances, electronic deposits, withdrawals, and payment due dates.

Simply send specific text commands and conveniently receive information on your phone.

Fees may apply for services within online, mobile, and text banking. Ask Harris County Federal Credit Union to learn about the details.

Rating Summary

Harris County Federal Credit Union is a full-service credit union in Houston that offers members multiple financial services beyond just standard accounts, including financial education and financial planning services.

This is one of the top Texas credit unions that supports its local community. Due to the single Harris County branch (although they do offer Co-Op branch access), we’ve scored them 4-stars. But they remain an excellent choice in Harris County for your financial needs.

To browse exclusive reviews of all top-rated credit unions in Houston, Texas, please click on any of the links below:

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Conclusion – 2020-2021 Top 15 Credit Unions in Houston, TX

If you’ve been considering local Houston credit unions, we hope that our ranking will be of help deciding which institution may work best for you.

Since all credit unions, including Houston credit unions, have limitations on membership eligibility, we recommend that you first check to see if you meet their requirements before spending too much more time researching their site. If you’re unsure, contact them and they’ll be happy to help determine if you qualify.

After you’ve determined that you’re eligible for membership, then you can consider the other features that these credit unions in Houston, Texas have to offer, such as which may offer more checking or savings options that match your needs.

Some Houston credit unions have excellent online and mobile banking features while others offer convenient overdraft protection and credit card options.

Everyone has different needs and preferences, so start with a comparison of the things that are most important to your banking when evaluating these top-rated best credit unions in Houston.

It also never hurts when comparing what each Houston credit union offers to visit a branch location so you can get a feel for their service. You can also get questions answered in person while there regarding fees and conditions of all the accounts and products before opening an account.

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Summary

Reviewer

AdvisoryHQ News

Review Date

2020-10-05

Item Reviewed

Ranking of Best Credit Unions in Houston, TX

Author Rating

Item Name

Credit Unions in Houston