Space City Credit Union
- Company typePrivate
- Founded1965
- HeadquartersHouston, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Space City Credit Union firmographics
Firmographics- Name
- Space City Credit Union
- Legal name
- Space City Credit Union
- Website
- https://spacecitycu.com
- Company type
- Private
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Space City Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Space City Credit Union is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Space City Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest Income: Interest income from various loan products including auto loans, mortgages, home equity loans, personal loans, and business loans. Auto loan rates start as low as 3.99% APR.
- Deposit Account Services: Fees and interest spread from checking, savings, money market, and IRA deposit accounts. Members pay $5 minimum to open an account, $100 minimum balance to earn interest.
- Card Services: Debit and credit card transaction interchange fees and associated card services including uChoose Rewards debit card program.
- Service Fees: Various service fees including wire transfers, overdraft protection (Courtesy Pay), and other banking service charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Savings Account |
| Unit Pricing | Monthly | Auto Loan Rates |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
Space City Credit Union product offering
Product offeringCore offering
Space City Credit Union is a member-owned, not-for-profit financial cooperative providing consumer and small-business banking products to members in Harris County and Brazoria County, Texas. Its core offerings include deposit accounts (savings, checking, money market, IRAs), consumer and commercial loans (auto, mortgage, home equity, personal, business), VISA credit and debit cards with rewards, investment and wealth management services, and digital banking via Fiserv-powered online and mobile platforms.
Product overview
Space City Credit Union offers a comprehensive suite of financial products and services primarily focused on consumer banking. The organization operates as a traditional credit union with a core portfolio of deposit accounts (savings, checking, money market, IRAs) and lending products (auto, mortgage, home equity, personal, and business loans). Digital banking services are powered by Fiserv, including online banking and mobile banking platforms. The product lineup also includes VISA credit and debit cards with rewards programs (uChoose), insurance products, investment services, and the Save to Win prize-linked savings program. In 2025, Space City CU merged with TDECU, expanding its reach in the Houston area. The credit union primarily serves members in Harris County and Brazoria County, Texas.
Differentiator
Problem solved
Functional benefit
Brands
- Platinum Partnership: An employee benefits partnership program offering Space City CU products and services to employees of partner companies.
Products and services
- Savings Accounts Basic share savings accounts requiring a $5.00 minimum deposit to establish membership and a $100 minimum balance to earn interest, available to individual members in the service area.
- Checking Accounts Personal checking accounts with various features and benefits for everyday banking needs, available to individual members.
- Money Market Accounts Money market savings accounts offering competitive rates with limited transaction capability, for individual members seeking higher-yield deposit options.
- Credit Union IRAs Individual Retirement Accounts including Traditional and Roth options for retirement savings, available to individual members.
- Auto Loans Vehicle financing for new and used cars with rates as low as 3.99% APR, available to individual members through the Auto Finance Center.
- Home Mortgage & Home Refinance Loans Mortgage lending for home purchases and refinancing with various term and rate choices, available to individual members.
- Home Equity Loans Equity-based lending using the borrower's home as collateral for various financial needs, available to individual members.
- Business Loans Commercial lending products including term loans and lines of credit for small businesses in the service area.
- Credit Cards VISA credit cards with various reward tiers and benefits including fraud protection, available to individual members.
- Debit Cards VISA debit cards with instant digital issuance, EMV chip security, and uChoose rewards program integration; cards work with digital wallets.
- Online Banking Fiserv-powered internet banking platform providing account access, transfers, bill payment, and e-statements, available to individual members.
- Mobile Banking Fiserv-powered mobile app offering account access, mobile deposits, transfers, and card management on iOS and Android devices, available to individual members.
- Wire Transfers Domestic and international wire transfer services with routing through Catalyst Corporate FCU, available to individual members.
- Investment & Wealth Management Financial advisory and investment services to help members build and manage wealth, available to individual members.
- Save to Win Prize-linked savings program where members can win cash prizes while saving money, available to individual members.
- uChoose Debit Card Rewards Rewards program earning points on signature-based debit transactions, redeemable for gift cards, merchandise, and travel, available to debit card holders.
- Insurance Products Auto insurance, homeowners insurance, and life & accident insurance offered through partner providers, available to individual members.
Quantifiable outcome
- Auto loan rates as low as 3.99% APR
- +1 more outcomes
Companies that use Space City Credit Union
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles3 records
Space City Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
Space City Credit Union partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- TDECUcoreIn 2025, Space City CU merged with Texas Dow Employees Credit Union (TDECU). TDECU is a not-for-profit financial cooperative formed in 1955 by Dow employees, with roots in Lake Jackson, Texas. This merger combined two credit unions serving the greater Houston area.
- Allpoint NetworkcoreSpace City CU joined the Allpoint Network providing members with access to 55,000+ surcharge-free ATMs nationwide.
- Co-op Credit Union (Shared Branching)coreShared branching network partner allowing Space City CU members to access credit union services at thousands of locations nationwide.
- FiservcoreTechnology provider powering Space City CU's mobile banking app, online banking platform, and loan origination systems.
Scale indicators2 records
Recent moves7 records
Expansion highlights5 records
Space City Credit Union competitors and assessment
Company assessmentBroad incumbents
- Chase Bank: National bank with deep Houston-area retail branch presence, competing for the same consumer deposits, mortgages, and auto loans. Broad financial services portfolio rather than cooperative-focused.
- Wells Fargo: Major national bank with substantial Houston-area branch and ATM footprint. Competes head-to-head with Space City CU on consumer deposits, mortgages, and small-business banking.
Direct peers
- Houston Federal Credit Union: Houston-area community credit union offering deposits, consumer loans, and digital banking to a defined Houston-area membership field. Direct overlap on geography and target customer.
- Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas with a broad consumer-banking franchise. Highly comparable business model (cooperative, deposit-funded lending, member ownership) and overlapping Houston-area footprint.
- TDECU (Texas Dow Employees Credit Union): Now the parent/surviving entity after the 2025 merger. Both are Texas-chartered not-for-profit cooperatives serving similar consumer deposit and lending needs in the Houston area.
- Security Service Federal Credit Union: Large federally-chartered credit union headquartered in San Antonio with full consumer banking, lending, and digital services. Similar cooperative model serving a defined field of membership in Texas.
- Smart Financial Credit Union: Houston- and Dallas-based community credit union offering a similar full suite of consumer deposit, lending, and digital banking services to a defined field of membership.
- Firstmark Credit Union: San Antonio-based Texas credit union offering consumer deposits, mortgages, auto loans, and digital banking under a similar cooperative charter. Comparable in product set and member-owned structure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Space City Credit Union social profiles
Digital presenceSpace City Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Space City Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
Space City Credit Union funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Space City Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Space City Credit Union
What does Space City Credit Union do?
Space City Credit Union is a member-owned, not-for-profit financial cooperative providing consumer and small-business banking products to members in Harris County and Brazoria County, Texas. Its core offerings include deposit accounts (savings, checking, money market, IRAs), consumer and commercial loans (auto, mortgage, home equity, personal, business), VISA credit and debit cards with rewards, investment and wealth management services, and digital banking via Fiserv-powered online and mobile platforms.
Is Space City Credit Union a public or private company?
Space City Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Space City Credit Union founded?
Space City Credit Union was founded in 1965. It employs 11 to 50 people.
Where is Space City Credit Union based?
Space City Credit Union is headquartered in Houston, United States, in the North America region.
How does Space City Credit Union make money?
Four revenue lines are on record. Loan Interest Income is the primary driver. The others are deposit Account Services, card Services and service Fees.
Who are Space City Credit Union's main competitors?
Broad incumbents on record are Chase Bank and Wells Fargo. Direct peers are Houston Federal Credit Union, Randolph-Brooks Federal Credit Union (RBFCU), TDECU (Texas Dow Employees Credit Union), Security Service Federal Credit Union, Smart Financial Credit Union and Firstmark Credit Union.
Does Space City Credit Union have an API?
No public API is recorded for Space City Credit Union.
What industry is Space City Credit Union in?
Space City Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6141.