Business Details
50+ Years
experience
Your Trusted Partner for Personalized Banking Solutions in Amarillo, TX
Since 1940, Texoma Federal Credit Union has served Texans with straightforward banking solutions prioritizing personal service and community values. Our foundation was built on the belief that financial institutions should prioritize people over profits, offering accessible services without unnecessary complexity. We combine modern technology with a commitment to local relationships, ensuring members receive both convenience and personalized attention. Our team maintains a deep understanding of regional financial needs, reflected in tailored products like our Kasasa Rewards accounts and community-focused debit card programs.With six physical locations and comprehensive digital tools, we provide flexible access to checking, savings, loans, and financial education resources. Our operational history demonstrates consistent adherence to cooperative principles while adapting to evolving member expectations. Transparency remains central to our approach, evident in clear fee structures and educational materials about services like overdraft coverage. We maintain rigorous compliance with financial regulations while fostering a culture of trust through direct communication channels with members.
Services
Checking Accounts
Savings Accounts
Personal Loans
Mortgage Loans
Mobile Banking
Remote Deposit
Debit Cards
Overdraft Coverage
Online Bill Pay
ATM Access
Details
- Year established: 1940
Highlights and features
- We provide personalized service tailored to individual financial needs
- Our Kasasa Rewards accounts offer cash back and competitive interest rates
- We maintain six convenient branch locations across Texas
- Our community debit card program supports local charitable organizations
- We offer 24/7 mobile banking with advanced security features
Services
Checking Accounts
Our free checking accounts provide no minimum balance requirements with optional dividend earning potential. Members benefit from unlimited check writing, online banking access, and VISA debit card integration. Teen Share Draft Accounts offer financial education opportunities with parental oversight features.
Mobile Banking
24/7 mobile access enables account management, bill payments, and instant fund transfers. Security features include biometric login and real-time transaction alerts. Mobile deposit functionality allows check deposits through smartphone photography with immediate confirmation.
Personal Loans
Competitively rated personal loans available for various needs with flexible repayment terms. Secured and unsecured options accommodate different credit profiles. Online loan calculators help members evaluate payment scenarios before application.
Savings Accounts
Traditional savings accounts and Individual Retirement Accounts provide secure wealth-building options. Monthly dividend compounding accelerates growth potential. Minimum balance requirements remain accessible for new savers.
Overdraft Coverage
Optional overdraft privilege helps prevent declined transactions with clear fee structures. Members can link accounts for automatic transfers or maintain standard coverage with daily transaction monitoring. Educational resources explain responsible usage.
Questions
How do I become a member?
Visit any branch location with valid ID and proof of address. Membership requires living in our service area or working for qualifying employers.
What mobile banking features are available?
Access account balances, transfer funds, pay bills, and deposit checks using our mobile app with biometric security features.
Do you offer loan pre-approvals?
Yes, we provide pre-qualification options for mortgages and personal loans through online forms or branch consultations.
How can I report a lost debit card?
Call 806-373-6641 during business hours or use Transfund's 24/7 hotline at 1-888-263-3370 for immediate card deactivation.
What are your overdraft fees?
Standard $20 fees apply per overdraft transaction with clear disclosure of coverage limits and repayment terms.
Where can I find surcharge-free ATMs?
Use MoneyPass network ATMs at participating locations including Walmart, Sam's Club, and affiliated financial institutions.
Reviews (1)
Chris Smith
Sep 07, 2020
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Ive had an account here all of my life. Ive never been into the office. All of my business is done by phone. Everyone who works there is very friendly.
