Business Details
50+ Years
experience
Your Trusted Financial Partner in Waco, TX
Highway District 9 Credit Union has served members since 1953, operating as a member-owned financial cooperative in Waco, Texas. Our core mission centers on providing personalized financial services including savings accounts, loans, and electronic banking solutions tailored to meet the needs of Texas Department of Transportation employees and their families. With a commitment to community, we treat every member as a co-owner, offering competitive rates and financial education to support long-term stability. Our institution maintains a 25.21% net worth ratio, demonstrating strong capitalization and fiscal responsibility.We prioritize transparency through annual reports and regulatory compliance while delivering dividends to members through semi-annual earnings distributions. Our team combines local expertise with adherence to state and federal financial regulations to ensure secure, reliable service.
Services
Auto Loans
Personal Loans
Share Secured Loans
Savings Accounts
Bill Pay Services
Payroll Deduction
Notary Services
Details
- Year established: 1953
Highlights and features
- We offer personalized financial solutions developed through 71 years of local expertise
- Our member-ownership model guarantees profits are returned through competitive rates
- We provide exclusive family membership benefits for Texas transportation workers
- Our 25.21% net worth ratio demonstrates exceptional financial stability
- We offer rate-matching programs to ensure competitive loan terms
Associations and certifications
- Texas Credit Union Department
- National Credit Union Administration
Services
Auto Loans
We finance new and used vehicles including cars, trucks, motorcycles, boats, and RVs with terms up to five years. Our payroll deduction option ensures timely payments while competitive rates save members money compared to traditional banks. Pre-approval services help customers understand their budget before shopping.
Personal Loans
Flexible personal loans available for debt consolidation, unexpected expenses, vacations, and education costs. We offer affordable rates to members with established credit union membership, providing quick access to funds for various personal financial needs.
Share Secured Loans
Borrow against existing savings while maintaining dividend earnings. This service helps members build or repair credit with favorable terms, using their share account as collateral while keeping savings intact during the loan period.
Savings Accounts
Primary share accounts require $25 minimum balance with secondary accounts available for specific savings goals. We offer unlimited share deposits, semi-annual dividends, and no minimum balance requirements for secondary savings accounts.
Bill Pay Services
Secure online bill payment system for managing monthly installments. Members can schedule payments conveniently through our website, eliminating paper checks while maintaining transaction security and payment tracking capabilities.
Questions
Who is eligible for membership?
Eligibility includes TxDOT District 9 employees, Texas state agency workers within District 9, current member family members, and credit union employees.
What loan types do you offer?
We provide auto loans, personal loans, share secured loans, and recreational vehicle financing with competitive rates based on creditworthiness.
How can I make payments?
Payment options include online bill pay, payroll deduction, night depository, and 3% fee-based credit/debit card payments processed within 2-3 business days.
Do you offer business banking services?
As a member-owned credit union, we focus on personal financial services rather than commercial business accounts for Texas transportation workers and families.
What are your operating hours?
Our Waco branch operates Monday-Friday 11:00 AM-5:00 PM with 24/7 online banking access for account management and transactions.
