What United Credit Union does

United Credit Union is a member-owned cooperative financial institution headquartered at 4901 Old Jacksonville Highway in Tyler, Texas, operating under a federal NCUA charter with deposits insured up to $250,000. Its field of membership is defined geographically across Smith, Upshur, Van Zandt, and Wood Counties in East Texas, supplemented by current and retired USPS and federal employees within those counties. The credit union offers a full retail banking suite: share savings (Regular and Special), Regular and RELI checking (with a fee-free variant for members 60+), money market accounts, IRAs, and term share certificates spanning 6-36 months with early-surrender penalties. Lending products include new and used auto loans (4.99% APR floor, terms up to 84 months), personal loans (6.99% APR floor), Holiday loans up to $5,000, motorcycle/RV/boat loans, share-secured loans, credit-builder loans, mortgages (in-house and brokered), home equity loans via lendconnected, and Mastercard credit cards. Digital channels comprise online banking, a mobile app for iOS and Android (built on a Flex platform), bill pay through iPay, SMS text banking, mobile pay, and free savings/auto/mortgage calculators. Insurance products are delivered through TruStage, student loans through Sallie Mae, and ATM access through the CO-OP shared network providing surcharge-free nationwide reach.

Name

United Credit Union

Legal name

United Credit Union

Website

https://unitedcu.coop

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

United Credit Union is a member-owned, NCUA-chartered cooperative financial institution in Tyler, Texas, serving consumers in four East Texas counties with deposit accounts, consumer and mortgage loans, credit cards, and digital banking, complemented by partner-distributed insurance and student loan products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Consumer banking services
• Retail credit union
• Consumer lending
• Deposit accounts
• Mortgage loans

Headquarters

HQ city

Tyler

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: United Credit Union generates primary revenue through interest income earned on various loan products including auto loans, mortgages, personal loans, credit cards, and other lending products. The credit union offers competitive rates on loans.
2. Deposit Account Fees: Fees assessed on deposit accounts including checking and savings accounts, as well as service fees for various account activities.
3. Service Fees: Various service fees including wire services, money orders, fax services, and other financial services.
4. Insurance Products: Commission income from TruStage insurance products offered to members including life, auto, home, and health insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

United Credit Union is a member-owned financial cooperative offering retail banking deposit products (share savings, checking, money market, IRA, term share certificates), consumer lending products (auto, RV/motorcycle/boat, personal, holiday, credit builder, share-secured, mortgages, home equity, construction, credit cards), and partner-distributed insurance through TruStage, delivered through a Tyler, Texas branch plus online and mobile banking channels.

Product overview

United Credit Union is a member-owned financial cooperative offering a comprehensive suite of banking, lending, and insurance products. The core offerings include share savings accounts (Regular and Special), checking accounts (Regular and RELI for seniors 60+), money market accounts, IRA accounts, and term share certificates. Lending products span auto loans (up to 84 months), personal loans (including seasonal Holiday Loans up to $5,000), credit builder loans, mortgages, home equity, interim construction loans, RV/motorcycle/boat loans, and credit cards. Insurance offerings include TruStage life/health products and loan protection add-ons (Gap Coverage, Mechanical Repair Protection, DentGuard, Credit Life/Disability). Digital banking services include online banking, mobile banking (iOS/Android), mobile pay, bill pay via iPay, SMS text banking, and financial calculators. Additional services include direct deposit, ACH transfers, wire services, money orders, nationwide ATM access, and Skip-a-Payment flexibility. Student loans are offered in partnership with Sallie Mae.

Differentiator

Problem solved

Functional benefit

Products and services

• Regular Share Savings Basic share savings account that establishes credit union membership, requiring a minimum opening deposit of $25.
• Special Share Savings Flexible savings account for earmarked purposes such as vacation, Christmas, taxes, or emergency expenses.
• Regular Checking Account Standard consumer checking account with no minimum balance requirement, unlimited checks, and access to all E-Services.
• RELI Checking (Retired & Loving It) Checking account for members aged 60 and older, with no monthly service charge and full access to credit union services.
• Money Market Account Interest-bearing savings account with no specified lock-up period and a $1,000 minimum balance requirement to earn interest.
• IRA Accounts (Traditional, Roth, Educational) Individual Retirement Accounts available as shares and term share certificates for retirement savings, in Traditional, Roth, and Educational IRA varieties.
• Term Share Certificates Certificate of Deposit products with terms ranging from 6 to 36 months and various early withdrawal penalties.
• Car & Truck Loans Vehicle financing available for new and used automobiles with terms up to 84 months and low loan rates.
• RV, Motorcycle, and Boat Loans Recreational vehicle financing for RVs, motorcycles, and boats, used for travel, fishing, camping, with flexible terms and competitive rates.
• Personal Loans Unsecured consumer loans for purposes including travel, unexpected expenses, debt consolidation, holidays, and life events, priced as low as 6.99% APR.
• Holiday Loans Seasonal personal loan product offering up to $5,000 with 12 to 24 month terms and no payments required until January, priced as low as 4.99% APR for qualifying members.
• Credit Builder Loans Loan product designed to help consumers establish or rebuild credit history through a record of consistent on-time payments.
• Share Secured Loans Loan using a member's share savings as collateral, with the loan amount remaining on deposit until the loan is repaid.
• Mortgages Home mortgage loans for purchase or refinance, offered both in-house and through an outside mortgage processor.
• Home Equity Loans Equity-based lending products allowing homeowners to borrow against the value of their home.
• Interim Construction Loans Short-term construction financing that converts into a traditional mortgage once construction is completed, with lenders monitoring construction progress.
• Credit Cards Mastercard credit card products for everyday spending and unexpected expenses, priced as low as 9.99% APR.
• Sallie Mae Student Loans Student loan products for higher education financing offered in partnership with Sallie Mae, with no origination fees and no prepayment penalty.
• TruStage Insurance Insurance products including life, car and home, and accidental death and dismemberment coverage, offered through TruStage Insurance Agency.
• Online Banking Web-based banking platform providing members with 24/7 account access, transaction history, bill payment, and electronic statements.
• Mobile Banking App Mobile banking application available on iPhone, iPad, and Android devices with mobile deposit, mobile pay, and full account access.
• Bill Pay Online bill payment service delivered through iPay, allowing members to schedule and manage recurring and one-time bill payments.
• ATM Network Access Surcharge-free ATM access for members through the nationwide CO-OP Credit Union ATM network.

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• TruStage InsuranceminorGTM or Marketing PartnerTruStage Insurance offers life, auto and home, and accidental death and dismemberment insurance products available to United Credit Union members. United Credit Union receives referral compensation for member referrals to TruStage. The partnership provides members access to insurance products as part of their financial planning needs.
• Sallie MaeminorGTM or Marketing PartnerSallie Mae provides student loan products in partnership with United Credit Union. The partnership allows United Credit Union to offer competitive student loan options to members with no origination fees and no prepayment penalty. Sallie Mae Bank or lender partners are the actual creditors for these loans.
• CO-OP Credit UnioncoreTechnology or IntegrationCO-OP Credit Union provides the ATM network that enables United Credit Union members to access surcharge-free ATMs nationwide. This partnership allows members to conduct banking transactions at ATMs across the country from Anchorage to Honolulu without incurring fees.
• MobicintcoreTechnology or IntegrationMobicint provides online account opening and loan application services for United Credit Union. Members can apply for membership and loans through the Mobicint platform integrated into the credit union's website.
• Lemon Head DesignminorImplementation/ SI/ Consulting PartnerLemon Head Design provides website design and marketing services for United Credit Union, maintaining the credit union's web presence and digital marketing materials.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Security Service Federal Credit Union: Large Texas-headquartered federal credit union providing full-service consumer and mortgage lending, deposits, and digital banking across multiple states. Overlaps United Credit Union's product set and competes for in-region members via digital channels.
• TDECU (Texas Dow Employees Credit Union): One of the largest Texas credit unions, offering the same deposit, lending, and digital banking products as United Credit Union but at much greater scale and geographic reach. Competes for the same East Texas retail banking relationships from a position of brand and balance-sheet strength.

Regional players

• Austin Bank: East Texas community bank headquartered in Jacksonville with branches across the Tyler region, offering consumer deposits, lending, and mortgage products. Competes with United Credit Union for the same household relationships in the four-county service area.
• First Federal Community Bank: East Texas community bank offering deposits, consumer loans, and mortgages in the same Tyler-region geography as United Credit Union. Directly comparable in footprint and customer segment, differing only in charter type (bank vs. credit union).

Direct peers

• Resource One Credit Union: Texas community-chartered credit union offering share accounts, consumer loans, mortgages, and digital channels to a defined field of membership. Directly comparable in product breadth, charter structure, and community-banking positioning.
• Austin Telco Federal Credit Union: Federally chartered Texas credit union offering the same core menu (deposits, auto/personal/mortgage loans, credit cards, digital banking) to a defined field of membership. Highly comparable in product suite and member services, differing mainly in geography.
• Unity One Credit Union: Texas community credit union providing checking, savings, consumer and mortgage lending, and mobile/online banking to a geographically defined membership. Comparable in scale, product mix, and member-owned cooperative model.
• Lone Star Credit Union: Texas community credit union with consumer lending, deposits, mortgage, and digital banking aimed at a defined membership base. Comparable in charter type, member service orientation, and product breadth.
• Texas Trust Credit Union: Texas state-chartered community credit union serving a defined geographic/employer field of membership with a similar product mix of deposits, auto loans, mortgages, and digital banking. Closely comparable in operating model and target member base.

Others

• Mobicint: Technology vendor that provides United Credit Union's online account opening and loan application platform, and that sells similar digital onboarding tools to other community credit unions and banks. Relevant as a peer because it serves the same ecosystem and shapes the credit union's digital experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/UnitedCreditTyler
• LinkedInlinkedin.com/company/united-credit-union-tyler

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 United Credit Union