Credit Union of Texas is a member-owned institution founded in 1931. Many customers report excellent experiences with specific employees, describing their customer service as impeccable, beyond reproach, and outstanding. Several reviews highlight positive interactions for auto loans, with members feeling confident and happy, noting the process was easy with great tips and knowledge. One member had a great experience moving business accounts and opening an auto loan. However, other experiences have been mixed. One customer joined for a smooth HELOC application but later faced difficulties, including weeks to set up basic accounts, missed meetings, and an inability to open a CD after ten days, leading to frustration. A branch manager's personal intervention and apology for these issues were noted, showing a commitment to resolving problems. The credit union offers a range of services including auto loans, personal loans, HELOCs, mortgages, and business banking. Members can bank online or at local branches and use a large network of surcharge-free ATMs.