About Texans Credit Union
Our Story
Texins Credit Union was founded in 1953 by 11 Texas Instruments employees who wished to improve the financial well-being of themselves and their co-workers. They pictured a credit union that encouraged financial security by offering low-cost loans and a safe place to deposit savings. Each pooled just $5 and a tradition of excellence was born.
In 1998, membership was expanded to include the surrounding North Texas communities and Texins Credit Union became Texans Credit Union, reflecting the diversity of our new membership.
Today, we’re proud to serve over 110,000 members with the same mission that inspired our founders – to improve the well-being of all Texans. What started as a small group of TI employees wanting to make a difference in 1953 has grown to an institution powered by Texans, for Texans.
Our Commitment
You’re more than a member. You’re a Texan. That means you are a part of something special; a tradition of excellence. It means you’re guaranteed to be provided with exceptional member service, products and services that go above and beyond your needs, and most importantly, you’ll always be treated like family. Being a Texan comes with a feeling of pride, respect, hard work, and a dedication to make the lives around us better. Our commitment to you is to reinforce that feeling with every interaction.
Texans Gives Back
Our community outreach program, Texans Gives Back, is designed to empower members of Team Texans to enrich, serve, and get involved with our local communities. Since its inception in 2016, our team has provided over 4,000 hours of community service through Texans Gives Back.
Some of the organizations we’ve helped include: The Salvation Army, HopeKids, Network of Community Ministries, North Texas Food Bank, Richardson Animal Shelter and more.
Our Leadership
Meet the people who are dedicated to serving you. The Texans leadership team is committed to providing you with an exceptional experience and working to make your life better.
Digitally Enabled and Incredibly Accessible!
- Online Banking/Bill Pay
- Mobile Banking
- Mobile Deposit
- Apple Pay
- 70,000 Surcharge-Free ATMs - Worldwide
- Enhanced ATM/Debit Card

All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible
Purchase Rewards
Earn Cash Back Rewards, just for Using Your Texans Debit Card
Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.
- Receive personalized offers directly in online or mobile banking
- Accept an offer and earn rewards for any qualifying purchases
- Get cash back directly deposited into your checking account the following month
Start earning cash back today!
learn moreMoney Management™
Manage All of Your Personal Finances, Right Inside Online Banking
This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:
- Create a budget that is easy to stick to
- Observe your spending behaviors and trends
- Gain valuable insight into where your money is going
With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!
learn moreFinancial Education Center
Important Articles About our Products & Services
- Courtesy Pay: How to Protect Your Checking Account
- Texans Teen Checking: Start your Teen off Right
- Debit Card Tips Everyone Should Know

Mobile Banking App
It's Like Having a Full-Service Branch on Your Phone or Tablet!
Manage your accounts, move money around, pay bills, and more:
- Access accounts and view transactions
- Fingerprint login capabilities for iOS and Android users
- Mobile check deposit
- Find your closest branch or surcharge-free ATM
- View balances without logging in via Quick Balance
Mobile Deposit
All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.
- Snap a picture of both sides of your signed check
- Choose the account for deposit
- Voila! Your check is deposited.
EMV Chip Technology
Protect Your Card Transactions from Fraud
All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.
- Insert your card in the chip reader instead of swiping
- You can still swipe your card when necessary
- You can still use your card online or over the phone
Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.
VISA® Cards
Great Rate or Cash Back
Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.
But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management™, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.
2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.
Mastercard® Debit Card
Cash With No Fees at 70,000 ATMs
Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:
- Double your manufacturer's warranty on purchases up to 12 Months*
- Price protect purchases up to $250*
- Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
- Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*
Get a Texans Debit Card with your checking account today!
Compare Accounts Open an Account* For full details and terms and conditions visit our Mastercard Debit benefits guide.
Courtesy Pay or Overdraft Protection
Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.
Overdraft Protection
Your first line of defense uses your accounts to cover overdrafts.
- $5 fee for each transaction
- Uses designated savings account or line-of-credit to pay overdrafts
Courtesy Pay
A one-time opt-in can provide an emergency backup against overdraft.
- $35 fee for each transaction
- May cover transactions that exceed your available balance, up to $750 (including fees)
eStatements
Make the Switch to Mobile and Online Statements
Making the switch to eStatements is secure and easy. Here's how it works.
- View and print statements right from your online or mobile banking
- Up to 36 months of statements available for you anytime
- Reduce waste while increasing your account security
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Guaranteed Asset Protection (GAP)
Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.
Major Mechanical Protection
Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.
Learn More