Family 1st of Texas Federal Credit Union

What Family 1st of Texas Federal Credit Union does

Texas Trust Credit Union is a federally chartered, NCUA-insured credit cooperative founded in 1935 and headquartered in Dallas, Texas. It operates a 13-branch network across 7 Texas counties (Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green) and serves more than 135,000 members, with a primary target of moderate-income households ($50K–$150K income) including first-time homebuyers, families, students, and local small businesses. The firm marked its 90th anniversary in 2026 under CEO Jim Minge.

The credit union offers a full-service retail and small-business banking platform. Consumer products include multiple checking tiers (Bonus, Power earning up to 3.55% APY, Easy, and Student), savings, money market, and certificates of deposit (13-month CD at 4.25% APY, standard CDs up to 4.30% APY). Lending covers auto loans (from 5.24% APR), home loans including a Zero Down Mortgage (from 6.875% APR), personal loans (from 9.99% APR), student loans, and three MasterCard variants (Platinum, Rewards, Secured). Business banking includes business checking, business credit cards, and commercial loans. Adjacent services include investment and insurance programs offered via partnerships.

Distribution and technology center on a hybrid model: physical branches complemented by a Softek-powered iOS/Android mobile app, online banking portal, digital wallet integration, and an online loan/application portal (apply.texastrustcu.org). Member engagement is reinforced through the True Blue Loyalty Rewards program, the free Greenlight SELECT family money-management app, the Texas Trust CU Theatre VIP perk, the Texas Trust Gives Foundation, and a Refer-a-Friend program paying up to $90 per referral. Revenue is generated primarily via net interest income on the lending portfolio — with direct auto lending up 34% in 2025 and double-digit gains in credit cards and unsecured loans — alongside deposit service fees and fee income from business banking and third-party investment/insurance services.

Name

Family 1st of Texas Federal Credit Union

Legal name

Texas Trust Credit Union

Website

https://family1stfcu.org

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

1–10 employees

Short description

Texas Trust Credit Union is a federally chartered, NCUA-insured cooperative founded in 1935, serving 135,000+ members across 13 branches in 7 Texas counties with checking, savings, lending, cards, and business banking for moderate-income households and small businesses.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Student Credit Cards (FSAKABAG)

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Deposit accounts
• Small business banking

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Primary revenue stream from auto loans, home loans, personal loans, credit cards, and student loans. Auto lending saw 34% increase in 2025. Credit cards and unsecured loans achieved double-digit gains.
2. Deposit Account Fees and Services: Revenue from various checking, savings, and certificate of deposit accounts with associated service fees and charges
3. Business Banking Services: Business checking, credit cards, and commercial loans for business members
4. Investment and Insurance Services: Third-party investment services and insurance programs offered through partnerships

Pricing tiers

Distribution channels4 records

Marketing channels6 records

Core offering

Family 1st of Texas Federal Credit Union is a federally chartered, member-owned credit union providing retail and business banking products including checking, savings, money market, certificates of deposit, credit cards, auto loans, home loans (including Zero Down Mortgage), personal loans, student loans, and small business banking. The credit union distributes these offerings through 13 branch locations across 7 Texas counties and through a digital banking platform including a mobile app on iOS and Android.

Product overview

Texas Trust Credit Union offers a comprehensive financial services platform serving over 135,000 members in the Dallas-Fort Worth market. The core banking product portfolio includes Online Banking and Mobile App for digital access, paired with traditional deposit products (Checking, Savings, CDs, Money Market) and lending solutions (Auto, Home, Personal, and Student Loans, plus Credit Cards). Business banking services encompass Business Checking, Business Credit Cards, and Business Loans. Value-added services include Investment Services, Insurance Programs, and the True Blue Loyalty Rewards program. The credit union also provides digital tools (Digital Wallet, Calculators, How-to Videos), a Financial Wellbeing Program with free educational courses, and maintains community engagement through the Texas Trust Gives Foundation and Texas Trust Credit Union Theatre VIP program. The institution recently partnered with Greenlight to offer a free money management app and debit card for families.

Differentiator

Problem solved

Functional benefit

Brands

• True Blue Loyalty Rewards: A rewards program that recognizes and rewards members who bank with Texas Trust Credit Union. Benefits grow as the member relationship develops.
• Texas Trust Credit Union Theatre

Products and services

• Personal Checking Accounts (Bonus, Power, Easy, Student)
• Savings Account
• Money Market Account
• Certificate of Deposits (CDs)
• Platinum MasterCard Credit Card
• Rewards MasterCard Credit Card
• Secured MasterCard Credit Card

Quantifiable outcome

• Nearly 4% asset growth in 2025 (best performance since 2023)
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• GreenlightcoreGTM or Marketing PartnerTexas Trust members receive free access to Greenlight's money app and debit card through the Greenlight SELECT plan. The app is designed for parents and kids to learn about earning, saving, and spending wisely. Texas Trust members are eligible for this premium plan at no cost when connecting their Texas Trust account as the funding source.
• Softek (Mobile Banking Provider)coreTechnology or IntegrationMobile banking app powered by Softek technology, available on Google Play (Android) and App Store (iOS)

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• OnPoint Community Credit Union: Oregon-headquartered community credit union with a similar hybrid digital-plus-branch model, comparable member count (~525K) and full-service consumer/business product portfolio. Closest out-of-state peer in operating model and scale.
• Patelco Credit Union: Bay Area-headquartered community credit union serving members across California with a comparable full-service consumer, mortgage, and business banking suite. Similar scale and member demographic profile to Texas Trust.
• SchoolsFirst Federal Credit Union: Large FCU serving California school employees and their families with deposits, lending, and investment products. Comparable in product breadth, member-service orientation, and federal charter, though field-of-membership focus differs.
• EECU (Tarrant County's Credit Union): Fort Worth-headquartered community credit union serving the DFW metro with consumer and business banking, mortgage, and investment products. Most directly comparable peer due to overlapping Tarrant County geography, similar moderate-income member focus, and analogous hybrid branch-plus-digital model.
• Neighborhood Credit Union: Dallas-based community credit union serving the DFW market with full retail and business banking services. Direct peer sharing both geographic footprint (Dallas County) and member demographics with Texas Trust.
• Resource One Credit Union: Dallas-headquartered community credit union offering consumer lending, deposits, and mortgages to DFW residents. Comparable in scale and product mix, with overlapping branches in the DFW metroplex.

Broad incumbents

• VyStar Credit Union: Florida-headquartered community credit union with broad consumer and mortgage lending operations. Comparable in scale (multi-hundred-thousand members) and product breadth, useful as a reference point for growth trajectory among regional credit unions.
• America First Credit Union: Large federally chartered credit union operating primarily in Utah/Nevada/Idaho/Arizona with a broad consumer and mortgage product set. Comparable in scale (multi-hundred-thousand members) and full-service orientation, though geographically distinct.
• Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas, federally chartered, headquartered in Live Oak with strong DFW presence. Comparable consumer and mortgage product suite, but substantially larger scale and broader Texas footprint than Texas Trust.
• Security Service Federal Credit Union: Large federally chartered credit union with significant San Antonio and Texas-wide presence including DFW. Comparable product breadth (deposits, auto, mortgage, credit cards) but materially larger asset base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Family1stTX
• Facebookfacebook.com/Family1stofTexas
• LinkedInlinkedin.com/company/family1stoftexas

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Family 1st of Texas Federal Credit Union