Unlike banks, credit unions are non-profit organizations that exist to serve their members. However, similar to banks, credit unions accept deposits, make loans and provide a wide array of other financial services.
At a credit union, you are a member, with a financial stake in the credit union's success. You have the opportunity to vote on the election of our volunteer board of directors, and you receive dividends on the funds in your share account. You also can take advantage of member discounts on a wide range of consumer services.
Credit unions also have fewer and lower fees, as well as lower interest rates. For example, the interest rate on our credit card is just 9% APR. Our rates on vehicle and personal loans regularly beat the rates from banks and dealerships. Contact us to ask about loans and credit cards.
As member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates. We hope you see the advantages of joining a credit union!
No! We welcome everyone in Grayson, Bryan, Atoka and Marshall counties. Since 2014, membership has been available to the entire Texoma community, wherever you work. Learn more about our membership requirements.
Yes. Before applying for a loan or credit card, you must establish your membership at the credit union. Check out our minimum requirements to open a share (savings) account, as well as our checking account options.
Yes, our free mobile app gives you tons of helpful tools to manage your funds. You can view balances, pay bills, transfer funds, use Zelle® to pay trusted friends and vendors, and deposit checks remotely.
Sign up for mobile banking from Online Banking: log in, look for the Self Service tab, then the Mobiliti link. Once you're signed up, download the "Texoma Educators FCU" app from Google Play or the App Store.
Please visit one of our local branches in Sherman, Denison, or Durant to join with your $5 membership fee, $20 initial savings deposit, social security card and driver’s license.
For checking accounts, we require an initial deposit of $100.
Please see our full list of holiday closures.
If you suspect fraud, please call 903.892.1505 during our business hours: 9 am–5 pm, Monday to Friday. After hours, please call 800.417.8715.
Please contact our Sherman office during business hours: 9 am–5 pm, Monday to Friday, at 903.892.1505. After hours, please call 800.290.6054.
Click this link to Enroll In Online Banking. You will need your account number and the last four digits of your social security number.
Similar to the FDIC, credit union deposits are insured by the federal National Credit Union Administration, to at least $250,000. Learn about NCUA.
We feel it is a privilege to play a role in community events. Please note, however, that as a non-profit organization, our own funds are limited. Please use our Donation Request Form.
We welcome your questions! Please use one of our contact forms to reach us via email. A member of our staff will get back to you.
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