Credit Unions in Waco, TX
10 member-owned, NCUA-insured credit unions headquartered in or near Waco, serving a combined 118,320 members. The largest is Genco. 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.
Genco
Waco, TX🇺🇸
38,527 members
Credit Unions & BankingView details →Educators
WACO, TX🇺🇸
27,492 members
Credit Unions & BankingView details →First Central
Waco, TX🇺🇸
20,527 members
Credit Unions & BankingView details →Members Choice Of Central Texas
WACO, TX🇺🇸
18,347 members
Credit Unions & BankingView details →Heart O' Texas
Waco, TX🇺🇸
5,632 members
Credit Unions & BankingView details →Waco
WACO, TX🇺🇸
1,947 members
Credit Unions & BankingView details →Linkage
WACO, TX🇺🇸
1,902 members
Credit Unions & BankingView details →1st University
Waco, TX🇺🇸
1,899 members
Credit Unions & BankingView details →Mclennan County Employees
Waco, TX🇺🇸
1,333 members
Credit Unions & BankingView details →Highway District 9
WACO, TX🇺🇸
714 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 Waco, 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 Waco 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 Waco — common questions
How many credit unions are in Waco?
10 member-owned, NCUA-insured credit unions are headquartered in or near Waco, Texas, with a combined 118,320 members. The largest is Genco.
Are these the closest credit unions to me in Waco?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Waco — 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 Waco?
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 Waco?
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.