Business Details
50+ Years
experience
Your Trusted Financial Partner in Houston
Priority Trust Credit Union has been serving members since 1973 with a commitment to financial excellence and community engagement. Our institution offers a comprehensive range of financial products including checking and savings accounts, mortgage solutions, personal and auto loans, and credit card services tailored to meet diverse financial needs. Through strategic partnerships like Member Home Loans and the Co-op Shared Branch network, we provide nationwide access to banking services while maintaining local expertise in Houston and surrounding areas.Our team prioritizes financial education through partnerships with BALANCE, offering personalized counseling and resources to help members achieve long-term financial wellness. With multiple branch locations and 24/7 digital banking capabilities, we combine modern convenience with personalized service to support our members financial goals. Our commitment to security is demonstrated through advanced fraud protection measures and face-to-face verification processes that safeguard member accounts while maintaining accessibility.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Insurance Services
Mobile Banking
Wire Transfers
Financial Counseling
Shared Branch Access
Details
- Year established: 1973
Highlights and features
- We offer 24/7 online and mobile banking services with advanced security features
- Our credit union provides competitive interest rates on loans and savings accounts
- We maintain a nationwide network of 30,000+ surcharge-free ATMs and 5,000+ shared branches
- Our partnership with BALANCE offers free financial counseling and educational resources
- We implement rigorous fraud protection measures including face-to-face verification
Services
Checking Accounts
Our checking accounts offer competitive rates and flexible features including mobile check deposit, bill pay, and Zelle transfers. Members benefit from no monthly maintenance fees and access to 30,000+ surcharge-free ATMs nationwide. We provide both standard and premium checking options with varying benefit levels.
Mortgage Loans
Through our partnership with Member Home Loans, we offer conventional, FHA, and VA mortgage products with competitive rates. Our mortgage specialists guide members through the home buying process, providing pre-approval options and personalized financing solutions for first-time buyers and experienced homeowners alike.
Mobile Banking
Our mobile app enables 24/7 account access with features like mobile check deposit, real-time balance tracking, and instant transfers. Security features include biometric authentication and encrypted communications. Users can locate nearby ATMs, schedule payments, and receive transaction alerts through customizable notification settings.
Financial Counseling
In partnership with BALANCE, we provide free financial education resources and one-on-one counseling. Services include debt management plans, credit report analysis, and budgeting strategies. Certified counselors help members create personalized financial roadmaps for debt reduction and long-term financial stability.
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases with flexible term options. Our Member Auto Center connects borrowers with preferred dealerships and financing pre-approvals. Loan features include gap insurance options and refinancing opportunities for qualified members seeking improved terms.
Questions
What online banking services are available?
Our online banking platform provides account management, bill payment, fund transfers, e-statements, and loan applications. Mobile app users can deposit checks remotely and receive transaction alerts.
How can I access ATMs without fees?
As part of the Co-op Network, you can use 30,000+ surcharge-free ATMs nationwide. Look for locations at 7-Eleven, Costco, and other participating retailers.
Do you offer financial education resources?
Yes, through our partnership with BALANCE, members receive free access to financial counseling, budgeting tools, and educational webinars on various money management topics.
What loan types are available?
We provide auto loans, home equity loans, personal loans, mortgages through Member Home Loans, and specialized financing options including the Bridge to Stability Loan program.
How do shared branch transactions work?
Present your photo ID and account number at any Co-op Shared Branch location to perform deposits, withdrawals, and transfers. No fees apply for this service after 90 days membership.
What insurance products do you offer?
Through TruStage, we provide life, auto, home, and accident insurance products. Members can also access critical illness and disability income coverage through The Family Security Plan.
Reviews (6)
Brian S.
Jan 09, 2020
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Plus 4 credit union is a definite Go-To when it comes to personal banking. I have been a member for more than 18years and I have had nothing but positive experiences. Angie Hinojosa is my banker at the Almeda Genoa location and her customer service and customer accommodation is top tier. The institution overall with emphasis towards Angie Hinojosa establishes and upholds a very welcoming and family oriented hora at all times regardless of your product needs. Their programs and products are very flexible and accommodating which is what any individual or business or business owner seeks among any
Arionne M.
Jul 25, 2019
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I've been with plus 4 for 8 years and I can never seem to get anyone on the line to help me. I've had several problems with my account since being with them. Unlike most banks when fraud activity is on your account plus 4 does not contact you they let all transactions go through then charge you for another card once you cancel. I am disappointed in this bank and will be leaving soon.
Ben F.
Mar 19, 2019
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I have had plus 4 credit union for over 5 years and have issues every time I need to do anything involving a person. The website and app are fine, but dated and don't allow you to deposit checks. The only reason to stay with plus 4 is the high yeild checking that is amazingly competitive. Outside of that function I've found that plus 4 won't respond to emails for up to a full week and doesn't even have a system to acknowledge they received you messages.
Melanie G.
Jun 19, 2018
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Yes not a fan I've been with plus4credit union since 2013... I've had continuous issues with the people who work here. I'm not sure if it's the training on how they need to have good customer service or maybe it's not a priority with them, either way not a good bank and I if you like to be treated unfairly then you should go with them.
Yeyo Y.
Dec 14, 2017
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Plain and simple, the workers here have zero customer service they just don't care. They are only here to collect a paycheck.
Sarah M.
Nov 03, 2017
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I wish I could give it more than 2 stars because of one person who works here. But alas, I cannot. My mother was a member of Plus 4, so when she passed away, my sister and I were forced to work with them. Working with them was one of the most difficult experiences I've had when dealing with a company. Everyone was nice enough, but there was so much misinformation. SO MUCH. I dread that I am not done working with them, even though it has been 3.5 years since my mom's passing. Fingers crossed! The latest mistake they made was that they reported incorrect information to the IRS, causing
