Credit Unions in Houston, TX
44 member-owned, NCUA-insured credit unions headquartered in or near Houston, serving a combined 1,264,323 members. The largest is Texas Dow Employees. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Texas Dow Employees
Houston, TX🇺🇸
397,272 members
Credit Unions & BankingView details →First Community
Houston, TX🇺🇸
182,310 members
Credit Unions & BankingView details →Jsc
Houston, TX🇺🇸
125,197 members
Credit Unions & BankingView details →First Service
Houston, TX🇺🇸
106,409 members
Credit Unions & BankingView details →Texas Bay
Houston, TX🇺🇸
60,529 members
Credit Unions & BankingView details →Smart Financial
Houston, TX🇺🇸
59,731 members
Credit Unions & BankingView details →Primeway
Houston, TX🇺🇸
49,292 members
Credit Unions & BankingView details →Members Choice
Houston, TX🇺🇸
46,480 members
Credit Unions & BankingView details →Houston Police
Houston, TX🇺🇸
32,650 members
Credit Unions & BankingView details →Priority Trust
Houston, TX🇺🇸
28,132 members
Credit Unions & BankingView details →Cy-Fair
Houston, TX🇺🇸
26,076 members
Credit Unions & BankingView details →Harris County
Houston, TX🇺🇸
19,913 members
Credit Unions & BankingView details →Energy Capital
Houston, TX🇺🇸
19,414 members
Credit Unions & BankingView details →Houston Texas Fire Fighters
Houston, TX🇺🇸
17,640 members
Credit Unions & BankingView details →Membersource
Houston, TX🇺🇸
14,700 members
Credit Unions & BankingView details →United Community
Houston, TX🇺🇸
13,531 members
Credit Unions & BankingView details →Memorial
Houston, TX🇺🇸
9,902 members
Credit Unions & BankingView details →Members Trust Of The Southwest
Houston, TX🇺🇸
8,768 members
Credit Unions & BankingView details →Bp
Houston, TX🇺🇸
6,482 members
Credit Unions & BankingView details →Union Fidelity
Houston, TX🇺🇸
5,789 members
Credit Unions & BankingView details →Bcm
Houston, TX🇺🇸
4,719 members
Credit Unions & BankingView details →Kbr Heritage
HOUSTON, TX🇺🇸
4,380 members
Credit Unions & BankingView details →Southern
Houston, TX🇺🇸
3,673 members
Credit Unions & BankingView details →Houston Highway
Houston, TX🇺🇸
3,290 members
Credit Unions & BankingView details →Met Tran
Houston, TX🇺🇸
2,795 members
Credit Unions & BankingView details →Southern Star
Houston, TX🇺🇸
2,760 members
Credit Unions & BankingView details →Bayou City
HOUSTON, TX🇺🇸
2,257 members
Credit Unions & BankingView details →Baker Hughes
Houston, TX🇺🇸
1,454 members
Credit Unions & BankingView details →P.I.E.
Houston, TX🇺🇸
1,138 members
Credit Unions & BankingView details →Reed
HOUSTON, TX🇺🇸
985 members
Credit Unions & BankingView details →Port Of Houston
Houston, TX🇺🇸
857 members
Credit Unions & BankingView details →Light Commerce
HOUSTON, TX🇺🇸
819 members
Credit Unions & BankingView details →Oak Farms Employees
HOUSTON, TX🇺🇸
745 members
Credit Unions & BankingView details →Port Terminal
Houston, TX🇺🇸
643 members
Credit Unions & BankingView details →Brentwood Baptist Church
Houston, TX🇺🇸
622 members
Credit Unions & BankingView details →Empowerment Community Development
Houston, TX🇺🇸
595 members
Credit Unions & BankingView details →Jafari No-Interest
Houston, TX🇺🇸
485 members
Credit Unions & BankingView details →Sp Trainmen
Houston, TX🇺🇸
476 members
Credit Unions & BankingView details →Our Mother Of Mercy Parish Houston
Houston, TX🇺🇸
446 members
Credit Unions & BankingView details →St. Luke'S Community
Houston, TX🇺🇸
297 members
Credit Unions & BankingView details →Port Of Houston Warehouse
Houston, TX🇺🇸
278 members
Credit Unions & BankingView details →Pilgrim Cucc
Houston, TX🇺🇸
209 members
Credit Unions & BankingView details →Texas Lee
Houston, TX🇺🇸
104 members
Credit Unions & BankingView details →Heritage Hub
Houston, TX🇺🇸
79 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Houston, not that it is the nearest branch to you.
How to join a credit union in Texas
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Houston or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Houston — common questions
How many credit unions are in Houston?
44 member-owned, NCUA-insured credit unions are headquartered in or near Houston, Texas, with a combined 1,264,323 members. The largest is Texas Dow Employees.
Are these the closest credit unions to me in Houston?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Houston — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Houston?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Texas accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Houston?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.