United Texas Credit Union

Name

United Texas Credit Union

Legal name

ALLIANCE Credit Union

Website

https://utxcu.com

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Virtual / Digital-First Credit Cards (FSAKABAK)

Keywords

• Retail banking services
• Consumer lending
• Mortgage financing
• Deposit accounts
• Commercial banking

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest Income from Lending: Revenue generated from interest charged on loans including auto loans, mortgages, personal loans, home loans, commercial loans, student loans, and credit cards. This is the primary revenue stream for the credit union.
2. Deposit Interest Spread: Revenue generated from the spread between interest paid on deposits (savings, checking, CDs, IRAs) and interest earned on loans and investments.
3. Fee-Based Services: Revenue from various banking fees including account maintenance fees, overdraft fees, ATM fees, wire transfer fees, and other service charges. Also includes Skip-A-Pay benefit where eligible members can skip loan payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

United Texas Credit Union is a member-owned financial cooperative offering full-service retail and commercial banking to consumers and businesses in Texas. It provides deposit accounts (checking, savings, money market, certificates, IRAs), consumer and commercial loans, mortgage products, credit cards, and digital banking tools. As of January 1, 2026, UTX members transitioned to ALLIANCE Credit Union's platform, with accounts insured up to $500,000 per suffix through ASI and ESI.

Product overview

ALLIANCE Credit Union is a full-service financial institution offering a unified banking platform. Following the January 2026 merger with United Texas Credit Union, it provides checking accounts (ALLIANCE Checking, Revive Checking), savings products (Liquid Asset, Money Market, Certificates, IRA, Junior Certificates), consumer loans (Auto Loans, Vacation Loans, Student Loans, Parent Loans), mortgage products (Conventional, FHA, VA, USDA, Construction, H.O.M.E. 100, Self-Employed, HELOC, Second Lien), credit cards (Visa Advantage, Visa Secured), and commercial banking services. Additional offerings include the Bits of Stock™ loyalty program, STAR Program rewards, Skip-A-Pay loan benefit, and Gift Cards. Legacy UTX members access accounts through the Legacy UTX Login portal or mobile app.

Differentiator

Problem solved

Functional benefit

Products and services

• ALLIANCE Checking
• Revive Checking
• Liquid Asset Savings
• Money Market Account
• Certificates
• IRA
• Junior Certificates
• Auto Loan
• Vacation Loan
• Student Loan
• Parent Loan
• Refinance Your Student Loans
• Conventional Mortgage
• Construction Loan
• FHA Loan
• H.O.M.E. 100
• Self-Employed Home Loans
• USDA Loan
• VA Loan
• HELOC
• Second Lien
• Visa Advantage
• Visa Secured
• Commercial Checking
• Commercial Loans
• Renovation Loans
• Skip-A-Pay
• Bits of Stock™ Loyalty program that awards members shares of stock based on their use of credit union services.
• STAR Program Member rewards and benefits program offering exclusive perks and services.
• Gift Cards Prepaid gift cards available for purchase at credit union branches.

Quantifiable outcome

• Double the insurance coverage per account suffix through ASI and ESI
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• American Share Insurance (ASI)coreOthersPrivate insurance provider that insures each account up to $250,000. This is a core insurance partnership providing deposit protection for credit union members.
• Excess Share Insurance Corporation (ESI)coreOthersExcess Share Insurance Corporation provides an additional $250,000 of insurance per account, bringing total coverage to $500,000 per account suffix. Combined with ASI coverage, this provides double the coverage compared to standard NCUA insurance.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Randolph-Brooks Federal Credit Union (RBFCU): Large Texas-headquartered credit union serving members statewide with full-service consumer, mortgage, and commercial banking products. Directly comparable in target market and product set, though substantially larger in scale and federally insured.
• Security Service Federal Credit Union: San Antonio-based federal credit union offering consumer banking, mortgage, and commercial products across Texas. Direct geographic and product overlap, with member-owned cooperative structure analogous to UTX/ALLIANCE.
• University Federal Credit Union (UFCU): Texas-based credit union offering deposit, lending, and mortgage products. Comparable in member-owned model and consumer/mortgage product set, with similar Texas regional footprint.
• Firstmark Credit Union: San Antonio-headquartered credit union serving consumer and commercial members with full deposit and lending products. Closely comparable geographic and product footprint, similar scale tier.
• Velocity Credit Union: Texas regional credit union providing consumer and mortgage products. Comparable member-owned cooperative model with similar Texas geographic focus and product breadth.
• Generations Federal Credit Union: Texas-based member-owned credit union offering consumer, mortgage, and commercial banking products. Comparable cooperative structure, product mix, and Texas regional focus.

Broad incumbents

• Frost Bank: Major Texas commercial bank headquartered in San Antonio offering comprehensive consumer, mortgage, and commercial banking. Competes for the same Texas retail and SMB deposit/lending market, with substantially greater scale and resources.
• IBC Bank: Major Texas commercial bank with extensive Texas branch network and full consumer, mortgage, and commercial banking products. Competes for the same Texas retail and business deposit/lending market at much greater scale.
• BECU (Boeing Employees Credit Union): Large U.S. credit union offering the full spectrum of consumer, mortgage, and small-business products. Comparable member-owned cooperative model and product breadth, though at much larger scale and outside the Texas geography.

Regional players

• Broadway Bank: San Antonio-based community bank with full consumer and commercial banking offerings. Directly comparable in San Antonio market presence and SMB/mortgage focus, though structured as a bank rather than credit union.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/unitedtexasc
• YouTubeyoutube.com/@alliancecutx
• Facebookfacebook.com/UnitedTexasCU
• LinkedInlinkedin.com/company/alliance-credit-union-texas/posts/?feedView=all
• Instagraminstagram.com/alliancecu
• TikToktiktok.com/@alliancecutx

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 United Texas Credit Union