Business Details
50+ Years
experience
Your Trusted Financial Partner in Brownwood, TX
Mid-Tex Federal Credit Union has served Central Texas communities since 1961, evolving from a small school district credit union to a full-service financial institution. As a member-owned cooperative, we prioritize personalized service, competitive loan rates, and financial education to empower our members. Our expansion to eight surrounding counties reflects our commitment to accessible, community-focused banking. With decades of local expertise, we offer tailored solutions for savings, lending, and digital banking through our experienced team and modern tools like mobile banking and Zelle.Our not-for-profit structure ensures members benefit directly from our services, including low-cost loans, robust checking accounts, and financial counseling. We maintain transparency through clear fee structures, identity protection services, and flexible overdraft options. Our board of directors and leadership team bring deep industry knowledge to every service decision, ensuring alignment with member needs. From first-time savers to major loan applicants, we combine personalized attention with technological innovation to meet diverse financial goals.
Services
Personal Loans
Auto Financing
Home Equity Loans
Online Banking
Mobile App
Credit Cards
Savings Accounts
Checking Accounts
Financial Counseling
Zelle Transfers
Details
- Year established: 1961
Highlights and features
- We offer member-owned cooperative banking with personalized financial solutions
- Competitive loan rates for personal, automotive, and home equity financing
- 24/7 digital banking access with mobile check deposit and bill payment
- Local decision-making with loan approvals processed in-house
- Financial counseling services to support long-term money management goals
Services
Personal Loans
Flexible personal loan options for debt consolidation, medical expenses, or emergency funding. Our credit union offers competitive APRs based on creditworthiness and collateral. Members benefit from local underwriting decisions and personalized repayment terms tailored to individual financial situations.
Auto Financing
New and used vehicle financing with competitive rates for cars, trucks, motorcycles, and recreational vehicles. We provide loan refinancing options with potential APR reductions and special programs like our 2% auto refinance offer for qualified members.
Home Equity Loans
Residential financing solutions for home purchases, renovations, or equity extraction. Our mortgage team offers low closing costs, quick approvals, and flexible terms for primary residences, investment properties, and home improvement projects.
Online Banking
24/7 account access through CU@HOME online platform. Features include balance checks, fund transfers, bill payments, loan applications, and document management. Secure portal with 90-day transaction history and electronic statement delivery options.
Mobile App
Feature-rich mobile application for account management on smartphones. Includes mobile check deposit, real-time alerts, CardValet security controls, and Zelle money transfer capabilities. Available for iOS and Android devices with biometric login options.
People
Bob Hagood
President
Credit union industry leader with extensive experience guiding Mid-Tex Federal Credit Union's strategic direction and member service initiatives.
Kathie Manning
Loan Officer/Collections
Experienced lending professional managing loan origination and collection operations with personalized member financial counseling.
Tina Winkler
Accounting/Compliance/Operations
Financial operations expert overseeing accounting functions, regulatory compliance, and daily credit union operations management.
Lauren Zingelman
Member Services/New Accounts
Customer service specialist assisting members with account openings, financial product education, and ongoing support needs.
Chezney Walters
Member Services/New Accounts
New account specialist providing personalized onboarding assistance and financial services guidance to credit union members.
Questions
What loan types does Mid-Tex Federal Credit Union offer?
We provide personal loans, auto financing, home equity loans, mortgage loans, RV/boat financing, credit cards, and secured loans with competitive rates for qualified members.
Are there membership eligibility requirements?
We serve residents and workers in eight Central Texas counties: Brown, Comanche, Mills, San Saba, McCulloch, Coleman, Callahan, and Eastland.
What mobile banking features are available?
Our mobile app offers check deposit, CardValet security controls, Zelle transfers, real-time alerts, and account management features for iOS and Android users.
How do I report a lost debit card?
Call 1-800-472-3272 immediately to report lost or stolen cards and request replacement through our member service representatives.
What savings account options exist?
We offer regular share accounts, Christmas savings, youth accounts, and certificate programs with competitive dividends and flexible terms.
Reviews (5)
Roland Pruett
Jan 21, 2022
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I go here for my employer, thank God I don't bank here. One person handling the entire drive thru, slow, lobby closed due to "covid". Ridiculous.
Hendrik Van Der Merwe
Jun 19, 2019
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I find the staff at Mid Tex not only very friendly, but also professional. I honestly like dealing with Credit Unions more than banks. Credit Unions (most of them and that includes Mid TX) do not just treat you with respect, and in a professional manner, they kind of make you feel "at home" and as if you are part of the family! I would recommend them to any-one, even my wife - LOL.
Brandy Mills
Jan 11, 2019
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I really love all the ladies that work at Mid-tex, so it hurts me to write a negative review, but their policies and systems are just so outdated and expensive. The PopMoney system needs to be removed from the member area because Mid-Tex has no control over it and it is a horribly reviewed system that charges insanely high fees and is confusing to use. Aside from the wonderful gals that work there, my experience with Mid-Tex as a financial institution in the past has just been horrible. When my checks were stolen, it took me forever just to get half of the overdraft fees waived. I've done better
Amanda Caperton
Sep 09, 2018
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I personally like going inside better than the drive through. The employees inside are nice and generous. The drive through, specially (Bailey) isn't very nice and even though I was the only person in the drive through she acts as though her job is annoying and her attitude isn't very welcoming. Pretty rude. She acts as if she dislikes her job.
Michael Bretzke
Aug 10, 2018
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Been with this credit union for almost 20 years and have NEVER had a problem that wasn't solved! Better rates than what other loans have had.