Top 10 Credit Unions in Texas - 2024 Guide with Sortable APR

Top credit unions in Texas ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our Texas car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Texas for A-tier credit scores.

The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.

Sort rates by clicking the top of the list.

Best Credit Unions in Texas
Rank	Credit Union	Car APR	Home APR	CC APR	Locations
1	Austin Telco	6.69%	6.63%	9.90%	24
2	RBFCU	6.29%	6.50%	12.95%	63
3	PenFed	5.89%	6.00%	17.99%	7
4	FCCU	6.09%	7.13%	11.99%	18
5	First Service	6.24%	7.24%	17.99%	16
6	TDECU	6.94%	7.38%	7.99%	36
7	Credit Human	6.99%	7.08%	11.70%	23
8	EECU	6.24%	6.88%	15.24%	16
9	Security Service	7.25%	7.12%	12.74%	67
10	GECU	8.18%	7.88%	13.15%	30

Compare the best banks in Texas

Austin Telco
ATFCU was established in 1941 and has over 91,000 members at 24 credit unions in Texas. The ways to join include residents of Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County.

ATFCU ranks #1 on our 2024 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 11149 Research Blvd, Suite 300 Austin, TX 78759

Randolph Brooks Federal Credit Union
RBFCU was established in 1952 and serves over 1 million members at 63 locations in Texas. The first members were from Randolph Air Force Base, the next were from Brooks Air Force Base, but now the field of membership has expanded to include public applications.
Headquarters: 1 IKEA-RBFCU Pkwy, Live Oak, TX 78233

Pentagon Federal Credit Union
PenFed was established in 1935 and has over 2.8 million members at 50 locations nationwide with 7 branches in Texas. Membership is open to everyone.
Headquarters: 7940 Jones Branch Dr, Tysons, VA 22102

First Community Credit Union
FCCU was established in 1954. It has 150,000 members at 18 branches. The ways to join include a list of 25 counties in east central Texas.
Headquarters: 15260 FM 529, Houston, TX 77095

First Service Credit Union
FSCU was established in 1977. It has over 100,000 members at 16 locations. The ways to join include residents of Harris County, Waller County, Fort Bend County, Conroe ISD, or Magnolia ISD.
Headquarters: 16430 Park Ten Pl, Houston, TX 77084

Texas Dow Employees Credit Union
TDECU was founded in 1955 and has 375,000 members from 36 credit unions in Texas. The ways to join include residents of Greater Houston, Victoria, Dallas-Fort Worth, and the Gulf Coast.
Headquarters: 1001 FM 2004 Rd, Lake Jackson, TX 77566

Credit Human
Established in 1935, and priorly known as San Antonio CU, Credit Human serves over 235,000 members at 23 unions in TX. The field of membership includes people who live or work in the greater San Antonio service area.
Headquarters: 1703 Broadway, Ste 104, San Antonio, Texas 78215

EECU
Established in 1934, EECU serves 350,000 clients at 16 branches in TX. The ways to join include local residents and general applications.
Headquarters: 1617 W 7th St, Fort Worth, TX 76102

Security Service Federal Credit Union
SSFCU was founded in 1956 and has 800,000 members from 67 locations in TX. The first members were from Kelly Air Force Base, but the ways to join have expanded to include all Texas residents.
Headquarters: 15000 IH 10 West, San Antonio, Texas 78249

GECU
Founded in 1932, GECU serves 400,000 members at 30 unions. The field of membership includes residents of El Paso County, Hudspeth County, or Doña Ana County.
Headquarters: 1225 Airway Blvd, El Paso, TX 79925