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Annual Audit Notice As part of the Texans Credit Union annual audit, our auditor, Doeren Mayhew, will be mailing account confirmation letters to a sample group of our membership in November. These letters will ask you to verify September 2023 month end balances on your accounts. Separate letters will be mailed for deposit accounts and loan accounts. All responses should be mailed directly to the auditing firm using the prepaid postage envelopes provided in the mailing.

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Savings Account

Saving for your dream


Texans are smart with their savings. Have you ever wondered who owns the credit union? The answer is you! Each person that opens and maintains a savings account with Texans automatically gets one share of ownership. This share gives you the right to vote when important decisions are made at the credit union, such as electing directors to the board. Credit unions charge fewer fees and offer lower loan rates because the members are the owners, which eliminates the need for making a big profit to pay board members.

Savings Account

A Texans Savings account is the foundation of credit union membership, and it offers:

  • ATM Card – Access your money at 80,000 surcharge-free ATMs
  • Mobile Banking and Online Banking
  • Mobile App with Mobile Deposit
  • Personal finance management tool in online and mobile banking
  • Free check-cashing with direct deposit
  • Can be used as overdraft protection


Education Savings

Texans are planners, so that’s why we offer a tax-free savings account for your child’s covered educational expenses. A Coverdell Education Savings Account can also be opened as a Certificate of Deposit Account. Each Coverdell Education Account (CESA) provides:

  • Dividends on all balances
  • Earnings that are tax-free if used for education expenses
  • No monthly service charges
  • No minimum balance requirement ($5 opening deposit required)
  • A withdrawal from a CESA may be tax-free*


Travel Savings

Texans are organized, and that’s why we created a savings account that you can use for a specific purpose like vacations, holidays and back to school. One Special Savings Account for Multiple Purposes. Every special savings account offers:

  • Dividends on all balances
  • No monthly service charge
  • No minimum balance requirement ($5 opening deposit required)


Savings Account Comparison

Open an Account
Benefit Saving Account Education Saving Travel Saving
Access to 70,000
Surcharge-Free ATMs with Allpoint and CO-OP™ networks
Minimum Balance Required
to Earn Dividends
Minimum Balance Requirement $5 minimum daily balance - -
Minimum Deposit to Open Account $5 $5 $5
Mobile Banking App
with Mobile Deposit
Monthly Service Charge $0 $0 $0
Online Banking with Bill Pay
Tax Benefit - Earnings are tax-free if used for a qualified education expense1 -

Mobile Banking

Online Banking

Bill Pay

Mobile Wallets

Mobile Deposit

70,000 Surcharge-Free ATMs - Worldwide

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


Download on Play Store  Download on App Store

Mobile Banking Mockup

* Withdrawals that are not used for educational expenses are subject to tax and a 10% additional tax penalty of the earnings. The principal is not subject to tax or penalty.

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