Membership

Our field of membership has been extended throughout west Bell County! Any person who lives, works or worships within the portion of Bell County, Texas, west of Interstate 35 - can now become members at our Credit Union.

For your convenience, fill out our membership application and bring it in to the Credit Union. Click HERE for additional information and a list of what to bring to open your account with us!

Credit unions are not-for-profit financial cooperatives that conduct business for the mutual benefit and general welfare of their member-owners. Banks are for-profit financial corporations who conduct business to maximize the price of its stock and profit for stockholders.

Philosophy

Credit unions promote thrift, savings and sound credit use to improve members' lives.

Community

Most credit unions are locally run. A credit union's membership consists of specific people from employers, churches, schools or communities. Most banks are rarely locally run. Community banks are frequently sold to larger banks whose home office is seldom in the local community.

Ownership

Every member is an equal owner.

Leadership

Boards of Directors are elected by members. Directors are volunteers, and are not paid. Credit union elections are held with each member getting a single vote.

Federal Deposit Insurance

Insured by the National Credit Union Share Insurance Fund (NCUSIF), a Federal government agency.

Taxation

Credit unions are exempt from corporate income tax because they are not-for-profit cooperatives that return earnings back to members in the form of lower loan rates and higher deposit rates. Credit unions pay property, county, school, municipal, and employer taxes.