Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in McAllen, TX
South Texas Federal Credit Union has been a trusted financial institution serving members across South Texas since 1952. As a not-for-profit cooperative, we prioritize member needs over profit motives, offering competitive rates on loans, credit cards, and savings products. Our services include auto loans with rates as low as 5.75% APR, personal loans up to $2,000, and specialized holiday financing options. We provide 24/7 automated telephone banking and mobile app access for convenient account management. With physical locations in McAllen and Weslaco, we combine local community focus with modern financial solutions.Our team delivers personalized support through online banking, text banking, and in-person consultations during extended weekday hours. We emphasize financial education through resources like Practical Money Skills and Skip-A-Payment programs. Our fee schedule maintains transparency with clear pricing on services from overdraft protection to cashier's checks. As a member-owned institution, we reinvest earnings to benefit our members through improved services and competitive rates. Our commitment to community extends to financial wellness initiatives and local outreach programs.
Services
Auto Loan
Personal Loan
Credit Cards
Checking Accounts
Online Banking
Details
- Year established: 1952
Highlights and features
- We are a not-for-profit financial institution reinvesting earnings to benefit members
- We've served South Texas communities since 1952 with trusted financial solutions
- We provide 24/7 automated telephone banking and mobile app access
- We offer competitive loan rates starting at 5.75% APR for qualified borrowers
- We maintain transparent fee schedules with clear pricing on all services
Services
Auto Loan
Our auto loans feature competitive rates starting at 5.75% APR with flexible terms for new and used vehicle purchases. Qualified borrowers receive personalized financing solutions through our member-focused approach. We streamline the application process with online options and in-person consultations.
Personal Loan
We offer personal loans up to $2,000 with straightforward approval processes for various financial needs. Our holiday loan promotions provide accessible financing options exclusively for South Texas FCU members. Funds can be used for emergency expenses or planned purchases.
Credit Cards
Our credit card options combine security features with member benefits for everyday transactions. Cardholders access 24/7 fraud monitoring and immediate reporting channels for lost or compromised cards. We provide both Visa and MasterCard options with competitive terms.
Checking Accounts
We offer multiple checking account tiers including Classic, Stars+, and Platinum options with varying benefits. Services include free Allpoint ATM access, mobile check deposit, and customizable payment alerts. Account holders enjoy transparent fee structures with clear disclosure.
Online Banking
Our digital platform enables 24/7 account management through mobile apps and web portals. Features include bill payment, transaction history, and secure messaging with financial specialists. Members can access e-statements and initiate loan applications online.
Questions
How do I join South Texas Federal Credit Union?
Complete our online membership application with a $30 minimum deposit. Our team will contact you during business hours (9 AM-5 PM) to finalize your account setup.
What loan options are available?
We offer auto loans starting at 5.75% APR, personal loans up to $2,000, and specialized holiday financing. Applications can be submitted online or through our branch locations.
What digital banking services do you provide?
Our mobile app and online portal offer 24/7 account access, bill payment, mobile check deposit, and secure messaging with financial specialists.
How do I report a lost or stolen card?
Call 956-618-7500 during business hours or use our 24/7 automated system at 1-888-263-3370 (debit card) or 800-599-7889 (credit card).
What are your branch hours?
Our McAllen branch operates Monday-Friday 9 AM-5 PM with drive-thru access until 6 PM. Saturday hours are available 9 AM-1 PM with limited lobby services.
Reviews (7)
Ambarina Hernandez
Oct 10, 2021
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Went in to get issue resolved regarding my master card; girls were sitting together and gossiping. I asked for Janie to help me but was told she had just left for a 30 minute lunch but would return. I left and came back only to be told she had gone home ill (how convenient). Since I got upset, Daniela says shell take my info and try to help. She goes to a back office behind closed doors, comes back and says she wil be calling the company to straighten out the problem and then changes the whole story by saying she will pass info on to Janie. I feel she lied to me !!!!!
Eva Martinez
Sep 24, 2021
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I have been a member for a while but their service seems to get worst and worst. As you walk in theres is no one to welcome or help you the front end reps Were all talking amongst each other. I seating for over 15 min without being helped and another man walked in and sat down next to me at the same time with not being helped. A young lady passed right through us without even saying hi or question if we have been assisted, this girl was wearing WHITE SEE THROUGH PANTS. how unprofessional!!!!!!! I walked to the teller line and at first no one seem to be there to helped but another young girl
Jason R.
Sep 02, 2021
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Worst CU ever. If something comes up that's not a run of the mill daily item, they don't know anything. No one that can make a decision is available. They don't return phone calls. They people that answer the phones are polite but don't know anything and can't get anything done. I've called everyday for 2 weeks to get my issue resolved. Promises of calls being returned but nothing.
WORST. CU. EVER.
WORST. CU. EVER.
J. L.
Aug 17, 2021
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I agree with the 1 star reviews. It's very difficult to get a hold of someone, I've just been hung up on by the system 3 times, the ladies are unprofessional, i could go on & on but i won't. I believe my 1 star review along with the others says a lot already!! Can't find who to talk to & express my dissatisfaction because service seems to be the same at all levels If only someone cared enough then maybe issues would be solved but no one does so improvement seems to be out of reach I guess.
Arnulfo Cruz
Apr 14, 2021
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I refinanced a vehicle within the last 2 weeks via STFCU, and the experience was excellent. Jackelyn helped us in every step of the process. She was the epitome of professionalism with the highest degree of customer service. I am proud to be a member of this quality institution since 1997. Please, let them take care of all of your banking needs, they know what they are doing!
David Saenz
Feb 07, 2021
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They never answer the phone. Theres about 5 girls behind the counter doing nothing. You ask for a supervisor and they tell you she or he is not there. It's the only bank with the lobby closed. I thought we were all good now that we have vaccines. Terrible business!!
Paola Lopez
Dec 23, 2020
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STFCU, Thank you so very much for all of your help in securing our loan for our new vehicle. The customer service is second to none. They always go above and beyond of our expectations. Rocio, our loan officer, was highly professional, knowledgeable and extremely accountable. She proved to me that she will look out for my best interests at all times. We highly recommend their services and will definitely do business with them again.
