MemberSource Credit Union

Business Details

Your Trusted Financial Partner in Houston, Texas

MemberSource Credit Union has been dedicated to providing comprehensive financial solutions to the Houston community since our establishment. We offer a wide range of services including competitive auto loans, mortgage products, home equity loans, and personal lines of credit tailored to meet diverse financial needs. Our commitment to financial education through partnerships with industry leaders empowers members to make informed decisions. With 24/7 online and mobile banking capabilities, we ensure convenient access to account management, bill payments, and fund transfers. Our NMLS-registered institution prioritizes accessibility for all members, including those with disabilities, through WCAG-compliant digital platforms and physical branch accommodations.

By maintaining low-rate credit card options and flexible checking accounts like our Bazing series, we focus on delivering value-driven financial products. Our team of professionals works closely with members to develop personalized solutions, whether for first-time homebuyers through FocusOne Mortgage or auto purchases via Member Auto Center. We demonstrate expertise through specialized services like Skip a Pay Portal and cell phone protection benefits, while maintaining transparency in fee schedules and financial calculators. Our 30-year track record of service excellence, evidenced by our NCUA insurance and Co-Op Shared Branch network participation, underscores our position as a trusted local financial institution.

Services

Auto Loans Mortgage Loans Credit Cards Checking Accounts Savings Accounts Online Banking Mobile Banking Financial Education Loan Protection Bill Pay Services

Highlights and features

We offer auto loan rates as low as 4.75% with flexible terms
Our 24/7 mobile banking provides free account access and fund transfers
We partner with BALANCE for free financial education resources
Our Bazing checking accounts include unique member benefits
We maintain WCAG-compliant digital accessibility standards

Associations and certifications

NMLS

Website

Update Listing

Services

Auto Loans

MemberSource offers competitive auto loans for new and used vehicles with rates starting at 4.75%. Our pre-approval process helps determine exact payments while flexible terms accommodate various budgets. This service supports members purchasing automobiles, boats, or RVs through our NMLS-registered lending platform.

Mortgage Loans

Our mortgage division provides home purchase and refinance solutions including conventional loans and FocusOne Mortgage programs. With competitive rates and specialized guidance, we assist first-time buyers and experienced homeowners through the entire home-buying process using our NCUA-insured lending framework.

Credit Cards

We offer multiple Visa credit card options including Platinum, Gold, and Classic cards with fixed rates. Balance transfer options allow customers to consolidate debt at lower rates without transfer fees, helping members manage credit more effectively through our secure payment processing system.

Checking Accounts

Our Bazing checking series provides multiple account options with unique benefits like cell phone protection coverage. These accounts integrate with Zelle Pay and mobile banking features, offering convenient money management tools while maintaining competitive fee structures and interest-earning potential.

Online Banking

24/7 online access enables account management, bill payments, fund transfers, and mobile check deposits. Our WCAG-compliant platform includes security features like account alerts and direct deposit services, supported by a 313084904 routing number for seamless transaction processing.

Questions

How do I apply for an auto loan?

Apply online through our secure portal or contact Member Services at 713-627-4000 for assistance with auto loan applications and pre-approvals.

What online banking features are available?

Our digital platform offers bill pay, fund transfers, mobile check deposit, account alerts, and 24/7 access to manage all your financial needs.

What credit card options exist?

We offer Platinum, Gold, and Classic Visa cards with fixed rates and no balance transfer fees for debt consolidation purposes.

How can I access financial education?

We provide free resources through our partnership with BALANCE, offering personalized financial education tools and counseling services.

What mortgage programs are available?

Our FocusOne Mortgage Solutions program simplifies home buying with competitive rates and personalized guidance from application to closing.

Reviews (7)

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Cheryl Garza

Jan 12, 2022 Report

I highly recommend you NEVER use this Credit Union for any Loan. Our loved one died from COVID. They would not let the family pay the loan for our loved one after multiple attempts. They refused to work with the family in any way. We were trying to pay the loan off. They repod the car before we even had the probate court date. Our son has no way to get to college now. Their customer service team was very rude and Mrs Brown their collections supervisor was highly rude, judgmental, and disrespectful.
Leslie was a wonderful customer service representative but unfortunately she could not help resolve

Christopher B.

Jan 03, 2022 Report

On 1/3/2022, I tried to call Member Source Credit Union in order to pay off my credit card in full. Apparently, because the balance was so large, it couldn't be processed on line. It had to go through a 3rd party phone system where they charged me $8. The best part is when I asked Erika for a payoff balance today, she said she couldn't give me that payoff balance until tomorrow. I said, no I understand, however I would like to make the payment today with an estimate for tomorrow's payoff balance. She couldn't seem to understand that, told me that I have to go into a

Beverly Lucas

Jan 02, 2022 Report

My husband and I have had a terrible experience with MemberSource. The number one thing they need to work on is their online banking system. it is terrible. Truly horrendous. We were constantly locked out of our account no matter how many times we changed our password, cleared our history, cleared cookies, ect. You would think the app would be easier but it's just as bad. Everyone wants their money to be easily accessible at any time of the day. Imagine not being able to access your account every single evening or weekend. Customer service isn't that great either. No matter how many times we would

PMTasha B.

Dec 17, 2021 Report

1st off, i am not a member, i use them as a service branch of my ATL credit union. I have been using this branch for ALL my banking transactions for over 5 years. Before Covid-19, the branch was always clean, had pens to use and was nicely greeted upon walking in. Now with Covid-19, i use the drive thru and they keep the slips stocked outside and always with a pen in the holder. I NEVER saw or witnessed anything bad here from any staff! They are great and always helpful! I am living in Sealy Tx now, but still hold my dealings for when i go into Houston to use this branch for service. Yes, there

Never Hire I.

Oct 28, 2021 Report

Where do you start with a horrible bank. 1- no technology--expect all work to be done by paper and usps-- that tells a big story and horrible horrible customer service-- it took 5 days for a small loan to pay off and they collected extra interest and, get this I tried to close my account and they kept cancelling my transfers to my other account to close it out-- finally I had to hire an attorney, a friend of mine sent a big nasty letter questioning their delay tactics and they said it was all a mistake. NOW-- go back a few months , which is why I paid the loan off and closed the account, these

Lesley Faith

Aug 17, 2021 Report

-The competence of this branch is horrible. I have been out of the country on multiple occasions and each time I have told them to leave my credit and debit card open for a certain date thus allowing me to make purchases abroad. Just this last time I was STUCK out because my card was being declined... This was before the date I had requested.
-Outdated branches- Cant make deposits in the the ATM.

Out of the two known Houston locations only one has an accessible ATM. What is the point of Chip card technology- If I have to alert the branch each time I leave the country? Even when fraud detection

SuPaMaN

May 25, 2021 Report

I had very little money in my account and caught a lyft there to deposit cash since I'm a server and get tips. It was supposed to be drive thru only and one of the ladies at the front desk allowed me to go ahead and make the transaction. I don't even bank here I'm with first service credit union but they definitely made the experience simple and easy for me!