Business Details
50+ Years
experience
Your Trusted Financial Partner in Tyler, TX
Founded in 1932 by a group of postal employees, United Credit Union has grown from humble beginnings in the basement of a Tyler, Texas post office to become a trusted financial institution serving East Texas. Our core values center on people, integrity, and community, with a mission to help members achieve financial independence through personalized service and innovative solutions. Over 90 years of operation, we have expanded eligibility to include federal employees and residents of Smith, Upshur, Van Zandt, and Wood counties while maintaining our hometown approach to banking. Our expertise spans auto loans, mortgages, personal loans, and digital banking tools designed to meet modern financial needs.As a federally insured credit union, we combine deep local roots with national accessibility through our participation in the ATM Co-op Network. Our team of financial professionals brings decades of combined experience in credit union operations, loan underwriting, and member service. We demonstrate authoritativeness through our long-standing reputation and commitment to ethical financial practices. Trustworthiness is embedded in our NCUA-insured accounts and transparent fee schedule, ensuring members' assets remain secure while accessing competitive loan rates and investment opportunities.
Services
Auto Loans
Personal Loans
Mortgage Loans
Online Banking
Mobile Banking
Financial Calculators
Details
- Year established: 1932
Highlights and features
- Locally formed credit union serving East Texas since 1932
- Low loan rates for auto, personal, and mortgage financing
- Surcharge-free ATM access nationwide through Co-op Network
- Free financial calculators for loan and savings planning
- Federally insured accounts with $250,000 protection
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases. Our financing options include flexible terms and low down payment requirements. Members benefit from personalized loan counseling and pre-approval options to simplify car buying.
Personal Loans
Our personal loans provide funds for debt consolidation, home improvements, or unexpected expenses. Features include fixed interest rates, predictable monthly payments, and no prepayment penalties. Loan amounts range from $1,000 to $50,000 with terms up to 60 months.
Mortgage Loans
We offer fixed and adjustable-rate mortgage loans for home purchases and refinancing. Services include competitive rates, local underwriting decisions, and personalized guidance through the loan process. Members receive access to mortgage calculators and pre-approval options.
Online Banking
Our online banking platform enables 24/7 account access, bill payment, and transaction monitoring. Features include eStatements, account alerts, and secure messaging. Members can manage multiple accounts and view transaction history dating back 18 months.
Mobile Banking
The mobile banking app provides convenient financial management through smartphones. Features include mobile check deposit, real-time balance updates, and branch/ATM locator. Users can set customizable spending alerts and access digital wallet integration for contactless payments.
Questions
Who is eligible for membership?
Residents, workers, or students in Smith, Upshur, Van Zandt, or Wood counties in Texas qualify. Federal employees and USPS workers in these counties also qualify for membership.
What loan types do you offer?
We provide auto loans, personal loans, mortgage loans, RV/motorcycle financing, and credit-builder loans with competitive rates for qualified members.
Do you have surcharge-free ATMs?
Yes, our members have access to surcharge-free ATMs nationwide through the Co-op Network, including locations in all 50 states.
What are your lobby hours?
Our Tyler branch is open Monday-Friday from 9:00 AM to 4:30 PM for in-person transactions and member services.
How can I apply for a loan?
Apply online through our secure portal, visit our Tyler branch, or contact us at (903) 595-3604 to speak with a loan specialist about your financing needs.
Are accounts federally insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
Reviews (3)
Shelby M.
May 29, 2019
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UCU is the BEST credit union in Tyler! The staff is always friendly and willing to help. They go above and beyond to ensure their customers needs are met! I highly recommend UCU for the help and the services they provide.
Adrian B.
Jan 25, 2016
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I am very disappointed with United Credit Union. I was a customer there for nearly 5 years. I've paid off 4 loans through them, 2 car loans, 2 signature loans, and currently stuck with them paying off a 5th signature loan. They tend to tell you things, then change the rules as they go. Be sure whatever business you have going with them, that you have it in writting! If they misinformed you, they will not own up to it. I was basically called a liar by Cherri, who refused to admit they misinformed me about 2 things. My loyalty to this CU ends here. Rude staff.
Scott B.
Mar 16, 2015
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I own a business, and one of United Credit Union's members applied for financing at our office. They were approved, and United Credit Union sent us instructions on how we would be paid (i.e. funded). I dealt primarily with Margarita H. She, in my opinion, is probably one of the rudest, most unprofessional, and lazy individuals I have ever dealt with. Seriously, her level of professionalism is abysmal, as we shouldn't have to repeatedly call to get the money that they owe us. Next time I have a potential customer, I'll tell them to find another bank, as I refuse to deal with United