Welcome to TCCU!

About Us

TCCU has been serving the Texoma community since 1953. We began as the National Federation of Federal Employees Credit Union when we first operated at Sheppard Air Force Base. At that time only federal civil service employees were eligible for membership.

We have since grown to form a community credit union. Our membership base now includes any person who lives or works in the 11-county Texoma area. These counties are: Archer, Baylor, Clay, Foard, Hardeman, Jack, Montague, Throckmorton, Wichita, Wilbarger, and Young. We are proud of our rich history in the Texoma community. We are proud of our growth. We believe this proves our friends and neighbors still believe in a better way of doing financial business.


It’s not easy shopping around for a financial intuition. By making TCCU your primary financial institution, you have taken a stand against big bank practices. You have also taken a stand for member ownership, lower fees, higher earnings, and community involvement. It feels good to be on this side of the equation! You are one smart shopper.

So what makes a credit union better than a bank? For starters, we are a not-for-profit financial cooperative. We exist to serve you! We don’t issue stock or pay dividends to outside stockholders. What we make is returned to you in the form of lower loan rates, higher interest on deposits, and lower fees.


TCCU is an Economic Democracy. Each credit union member has equal ownership and one vote — regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner.

Volunteer Boards

TCCU is governed by a volunteer board of directors, elected by and from the credit union’s membership.

Financial Education for Members

Texoma Community Credit Union assists members to become better-educated consumers.

Social Purpose: People Helping People

Credit unions exist to help people, not make a profit. Our goal is to serve all our members well, including those of modest means. Every member counts. Our members are fiercely loyal for this reason. They know TCCU will be there for them in bad times, as well as good. The same people-first philosophy causes TCCU and our employees to get involved in community charitable activities and worthwhile causes.

Electronic Services

At TCCU, we want you to enjoy the convenience of our mobile and online banking, but also know we’re here when you need us.

Online Banking & Free Bill Pay

Our online banking platform is always free. Take comfort in knowing you can set up recurring bill payments and view your account history at any time. You’ll also be able to transfer funds to external accounts, other TCCU accounts and make payments on your TCCU loans.

Mobile Banking

Available in the Google Play and App Store, the FREE “TCCU Mobile,” and TCCU “Card Control” Apps allow you to check your balance and account summary, transfer funds, make payments, and update your password.

Bonus Features Include:
  • Mobile deposit for checks
  • Debit “Pause” button to halt transactions when a card is lost or stolen
  • Custom Alerts
Text Message Alerts

To opt-in to text message alerts from TCCU, text “TCCU” to 877-728-4080. Alerts will be sent only when necessary, for example in the event of early or late closures. Members may opt out at any time.

Mobile Payments

All TCCU debit cards tied to our free checking accounts as well as TCCU credit cards are now enabled for mobile payments! This means you can use Apple Pay or Samsung Pay on your phone everywhere mobile payments are accepted.

Access 24

Call (940) 855-2828 for up-to-the-minute account information, 24 hours a day, seven days a week. Unlike many financial institutions, TCCU lets you call as many times as you need. There is no limit to using this feature.

Smart Phone Apps

With our two companion apps “TCCU Mobile” and “Card Control” you can manage your account, set alerts, pause your card and much more all from your phone.

Checking, Savings, and Credit Cards

Free Checking

With two different options for free checking accounts, we allow you to choose the rewards that mean the most to you. You’ll also get up to $10 of your ATM fees refunded when you meet our monthly qualifications.*

Our checking account options include:
  • Cashtastic Checking – Earn 3.51 % annual percentage yield on deposits up to $10,000
  • Cash Back Checking – Earn 3.00% cash back on up to $400 in purchases

To learn more about our free checking accounts, call (940) 851-4000 or visit www.TexomaCU.com.

*Rewards described above and ATM fee refunds up to $10 will be given when you meet the following qualifications within a qualification cycle: ( l) Post and clear at least l O signature or pin-based debit card purchases, each greater than $10, (2) receive and review e-statements and (3) have at least one direct deposit, auto debit or online bill payment post and clear.


The minimum to open a savings account is $25 with a minimum daily balance of $25. Your savings account features no transaction fees, no monthly service fees, and quarterly dividend payments.

Credit Cards

Ask about our TCCU credit cards. From student cards to business credit cards, we have something for everyone.

Lending Options

We believe you deserve a personalized approach to lending. Your credit score is just one thing we take into consideration. You are more than a credit rating, and our loan officers will work with you to help get you the financing you need.

Our financing options include:
  • Mortgages
  • Home Equity Loans
  • Auto Lending
  • Recreational Vehicle Lending
  • Personal Loans (e.g., your vacation, debt consolidation}
  • Commercial/Business Loans

Let Texoma Community Credit Union fund your dreams. You can apply via phone by calling (940} 851-4000 or online at www.TexomaCU.com.

Additional Options

Protect your purchases with our insurance options. Take comfort in knowing you will be taken care of when the unexpected occurs.

Mechanical Breakdown Protection

We cover the costs to repair your vehicle when it breaks down. MBP is available for both new and pre-owned vehicles and often less than other extended warranties.

GAP Insurance

New car replacement/GAP coverage gives you the money to buy a brand new car if you’re involved in an accident that totals your vehicle. GAP covers the difference when a settlement from an accident is less than the amount you owe on your vehicle loan. With the purchase of GAP, we also offer Automatic Deductible Reimbursement at no extra cost.

Credit Life and Credit Disability

Take steps to make sure your loved ones are provided for if the unexpected occurs. Our credit life insurance helps pay your loan, so your loved ones don’t have to pay off your debts. If you become disabled due to injury or a medical-related illness, credit disability can help supplement your family’s income.