Texas Community Federal Credit Union

What Texas Community Federal Credit Union does

Texas Community Federal Credit Union is a federally chartered, member-owned cooperative financial institution headquartered in a single branch at 605 E Caesar Avenue, Kingsville, Texas. Founded in 1937 as Missouri Pacific Kingsville Employees Federal Credit Union to serve railroad employees, the institution has progressively broadened its field of membership—most recently in 2016 when a NCUA-approved charter expansion prompted the rebrand to Texas Community Federal Credit Union. Membership is now open to anyone who lives, works, worships, attends school, or conducts business in Brooks, Jim Wells, Kenedy, and Kleberg counties in South Texas, plus family members of existing members. As of December 31, 2025, the credit union serves 2,841 members and holds $30.48 million in total assets, with $20.07 million in loans, $8.26 million in investments, and $26.08 million in member shares.

The credit union's product portfolio centers on a membership share account (par value $25) that unlocks access to share draft (checking) accounts, share certificates, IRA certificates, and a suite of consumer and business loans. Transaction products include a Visa Check Card and Visa Classic Credit Card operating on the Visa network, with a Dream Points rewards program. Digital channels include a web-based online banking platform, the TCFCU Mobile Banking App on iOS and Android, and the TeleData-24 24-hour audio teller system. Service delivery is supplemented by a drive-through, an ATM accepting deposits, a secure night depository, free notary services, financial advisor appointments, and the JOB Program—a small-business development collaboration with Del Mar College SBDC, Texas A&M Kingsville, and the local Chambers of Commerce. Partnerships with American National Insurance Company and Aegon deliver Payment Protection (Credit Life and Credit Disability) insurance, and Visa/Catalyst Corporate integrations support wire transfer and card-network services.

Revenue is generated primarily through interest income on the loan portfolio (personal, vehicle, business, and credit-card loans), investment income on the $8.26 million securities portfolio, transactional fees (NSF $25, stop payment $30, incoming wires $5, outgoing wires $25, ATM withdrawals $1.25 at non-network ATMs), and the Visa card interchange stream. For the year ending December 31, 2025, gross income was $2,703,429.93; total expenses were $2,397,353.34; member dividends were $568,084.12; and net income was $306,076.59. The institution is regulated by the Texas Credit Union Department and federally insured by the NCUA, with member deposits insured up to $250,000.

Name

Texas Community Federal Credit Union

Legal name

Texas Community Federal Credit Union

Website

https://texasfcu.org

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

1–10 employees

Short description

Texas Community Federal Credit Union is a federally chartered, member-owned cooperative credit union serving 2,841 members across Brooks, Jim Wells, Kenedy, and Kleberg counties in South Texas from a single Kingsville branch, offering deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union Services)

NAICS

Credit Unions (52213), Credit Unions (522130)

akta.pro primary industry

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

Keywords

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

Headquarters

HQ city

Kingsville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: Interest income from various loan products including personal loans, vehicle loans, business loans, and credit cards. The credit union reported Total Loans of $20,071,699.31 as of December 31, 2025.
2. Financial Services Fees: Various fee-based services including account maintenance fees, overdraft fees ($25 NSF), stop payment fees ($30), wire transfer fees ($5 incoming, $25 outgoing), ATM fees ($1.25 per non-network ATM withdrawal), and card-related fees.
3. Investment Income: Income from investments totaling $8,263,746.03 as of year-end 2025. Dividends paid to members totaled $568,084.12.
4. Membership Fees: Membership share requirement of $25.00 par value and $5.00 new membership fee as of April 2026.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Texas Community Federal Credit Union is a member-owned, not-for-profit cooperative financial institution that provides retail banking products and services to members in Brooks, Jim Wells, Kenedy, and Kleberg counties in Texas. Its core offerings include membership share (savings) accounts, share draft (checking) accounts, share certificates, IRA certificates, Visa debit and credit cards, personal loans, vehicle loans, and small business loans, delivered through a single Kingsville branch, drive-through, ATM, mobile app, online banking, and a 24-hour audio teller.

Product overview

Texas Community Federal Credit Union is a full-service, not-for-profit cooperative financial institution offering a comprehensive suite of deposit, lending, and banking products primarily to members in Brooks, Jim Wells, Kenedy, and Kleberg counties in Texas. The product portfolio centers on membership share accounts (Share Savings) as the foundational product, which unlocks access to share draft (checking) accounts, share certificates, and IRA certificates. Transaction services include a Visa Check Card and Visa Classic Credit Card, both operating on the Visa network; mobile and online banking platforms (TCFCU Mobile Banking App and Web 24); and a 24-hour Audio Teller (TeleData-24). Lending products span personal loans, vehicle loans, and business loans, supplemented by optional Payment Protection (Credit Life and Credit Disability Insurance). Additional member services include Direct Deposit, Payroll Deduction, wire transfers, drive-through banking, free notary services, financial advisor consultations, and a Dream Points rewards program for card users. The JOB Program provides small business development resources. The suite operates as a unified, integrated offering where membership in the credit union grants access to all products, rather than as a modular software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Share (Savings) Account A basic membership savings account requiring a $25 minimum opening deposit. Earns interest (dividends) on balances of $100 or more, calculated using the average daily balance and paid quarterly. Serves as the foundational membership account that unlocks access to all other credit union products.
• Share Draft Basic (Checking) A free checking account that must be established alongside a share (savings) membership account. Includes a free Visa Debit Card, optional Share Draft Protection (Courtesy Pay), online banking, mobile banking, and security alerts.
• Share Draft Plus (Interest-Bearing Checking) An interest-bearing checking account requiring a $375 minimum opening deposit. A monthly fee is assessed if the minimum balance is not maintained per the fee schedule.
• Share Certificates Term deposit accounts with a minimum investment of $500, available for terms of 3 to 60 months. Current rates available by contacting the credit union.
• IRA Certificates Individual Retirement Account certificates requiring a minimum $25 opening investment, earning higher dividends than standard savings accounts. Designed to help members reach retirement goals.
• Business Accounts Business savings and checking accounts offering effective business relations including savings, checking, home banking, and business loans. Features online inquiries and transactions at no cost, with business-specific loan products.
• Visa Check Card (Debit Card) A Visa-branded debit card linked directly to the member's share draft (checking) account, usable for purchases at merchants, cash withdrawals at ATMs, and point-of-sale transactions. No interest charges apply as funds are drawn directly from the account. Offered with no monthly fee.
• Visa Classic Credit Card A Visa Classic credit card offering convenience for members with no annual fee, fixed rates, a 25-day grace period, and low fees on cash advances. Interest accrues from the day of a cash advance.
• Personal Loans Unsecured loans for various purposes including medical emergencies, debt consolidation, holiday expenses, or unexpected events. Features low interest rates, fast processing, and flexible repayment terms as an alternative to payday or title loans.
• Vehicle Loans Auto loans for new and used cars and trucks, with competitive interest rates and personalized service. Includes a Vehicle Finder service for vehicles with less than 50,000 miles.
• Business Loans Small business loans designed to help entrepreneurs start or grow their businesses. TCFCU offers fast, convenient application processes and is committed to supporting business success in the community.
• TCFCU Mobile Banking App A mobile banking application available on iOS and Android that allows members to access their accounts from anywhere, including account balances, transactions, transfers, and payments.
• TeleData-24 (Audio Teller) A 24-hour telephone response system (Audio Teller) enabling members to check account balances, make payments, transfer money, and access account information using touch-tone phone commands. No fees apply.
• Online Banking (Web 24) Web-based online banking platform for members to access accounts, make transfers, pay bills, and manage finances via a browser. Available free of charge.
• Direct Deposit Service that automatically deposits payroll, Social Security, pension, or other recurring checks directly into member credit union accounts for convenience and quick access to funds.
• Payroll Deduction Automatic deduction of a set amount from a member's paycheck, deposited into their chosen credit union accounts or used to make loan payments.
• Wire Transfer Incoming and outgoing wire transfer services. Incoming wires are routed through Catalyst Corporate (RT# 311990511) to TCFCU (RT# 314985442). Incoming wire fee: $5.00; outgoing wire fee: $25.00.
• Drive-Through Banking Drive-through window service for quick on-the-go deposits and withdrawals, open Monday-Friday 7:30 a.m. - 5:30 p.m. and Saturday 9:30 a.m. - 12:30 p.m.
• Free Notary Services Free notary services available to TCFCU members, included as a membership benefit.
• Secure Night Depository A secure after-hours deposit box located at the Kingsville branch, allowing members to make deposits when it is inconvenient to visit during business hours.
• Financial Advisor Services Financial advisory services provided by Credit Union Certified Financial Advisors who help members chart financial and future goals. Members can schedule appointments by calling the credit union.

Quantifiable outcome

• Serving 2,841 members with $30.5 million in assets as of 2025
• +1 more outcomes

Named customers4 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

Integration13 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Small Business Development Center at Del Mar CollegecoreStrategic or Co-development PartnerJoint effort partner in the JOB (Joint Opportunities for Business and Job Creation) Program providing free business counseling, assistance developing business plans and marketing plans, and access to special loans for entrepreneurs and small business owners in the service area.
• Texas A&M Kingsville College of Business AdministrationcoreStrategic or Co-development PartnerJoint effort partner in the JOB Program providing business development services, workshops, seminars, forums, and conferences including the JOB Program Small Business Conference.
• Kleberg County Hispanic Chamber of CommercecoreStrategic or Co-development PartnerJoint effort partner in the JOB Program supporting small business development and entrepreneurship in the local Hispanic community.
• Kingsville Chamber of CommercecoreStrategic or Co-development PartnerJoint effort partner in the JOB Program supporting local business growth and community economic development.
• American National Insurance CompanyminorOthersUnderwriter for Payment Protection insurance products including Credit Life and Credit Disability Insurance offered to eligible members.
• Aegon CompanyminorOthersInsurance provider referenced in relation to Credit Disability protection with a 15-day activation period.
• VisacoreTechnology or IntegrationPayment network for Visa Check Card and Visa Classic Credit Card products. Handles international transaction processing with 1% foreign transaction fee.

Scale indicators7 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• Austin Telco Federal Credit Union: Federally chartered Texas credit union serving a community field of membership with deposits, consumer loans, mortgages, and digital banking. Comparable cooperative model and Texas footprint, though with a more urban membership base and broader product set.
• Texans Credit Union: Texas-chartered community credit union serving individuals and businesses across multiple Texas regions. Comparable to Texas Community FCU as a member-owned cooperative offering deposits, consumer lending, and digital banking, but with a substantially larger asset base and broader field of membership.
• Houston Texas Fire Fighters Federal Credit Union: Federally chartered Texas credit union serving a defined occupational and community field of membership. Operates with a similar mix of share accounts, consumer loans, Visa cards, and digital channels as Texas Community FCU, though concentrated in the Houston metro.
• First Community Credit Union (Texas): Texas-based community credit union offering personal and business banking, loans, and digital services. Similar product mix (savings, checking, auto, credit cards) and member-owned cooperative structure make it a close functional peer to Texas Community FCU.
• Education Credit Union: Texas-based community credit union historically tied to education employees but expanded to a broader community field of membership. Comparable deposit and consumer lending products and member-owned structure to Texas Community FCU.
• Members Choice Credit Union (Central Texas): Texas community credit union offering share drafts, certificates, consumer and vehicle loans, and online/mobile banking. Comparable in product scope and member-owned structure to Texas Community FCU, though serving a different Central Texas geography.
• Community Resource Credit Union: Texas community credit union providing personal banking, lending, and digital services to a community field of membership. Closely comparable in scale, product suite, and cooperative model to Texas Community FCU.

Broad incumbents

• TDECU (Texas Dow Employees Credit Union): One of the largest credit unions in Texas, originally founded as an employer-based cooperative and now serving a community field of membership. Compares to Texas Community FCU on cooperative structure, deposit/lending products, and Texas geography, but operates at much greater scale.

Others

• Visa Inc. Global payment network on which Texas Community FCU issues its Visa Check Card and Visa Classic Credit Card. Not a competitor but a critical infrastructure/partner enabling the credit union's debit and credit card products.

Regional players

• South Texas Federal Credit Union: Federally chartered credit union serving South Texas communities with deposits, consumer lending, and digital banking. Most directly comparable to Texas Community FCU on regional South Texas footprint and small-community cooperative positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/texas-community-fcu

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

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 Texas Community Federal Credit Union