Back to Cross Roads credit unions

Living in Fulfillment Everyday

8800 US Highway 380 Ste 200, Cross Roads, TX 76227
NCUA Insured4.7 (90 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1973

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

8800 US Highway 380 Ste 200

Cross Roads, TX 76227

Service Area

This credit union is located in Cross Roads and serves members in the TX area. Currently serving 1,772 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.58%

Used Auto Loan

7.34%

Personal Loan

10.77%

Credit Card APR

8.90%

Important: Rates are sourced from NCUA call report filings (Q1 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q1 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations

Branch information not available for this credit union.

Member Reviews

4.7

90 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Nina Marie

Nina Marie

5 months ago

My Experience At TFCU Was absolutely Great they Made me feel welcomed with there home and cozy waiting area with a brick fireplace a nice cup of hot chocolate with there cute lil coffee Machine it was a cool Vibe ..I wanna thank Christi Merritt She was so helpful she explained to me about all the services and you get 25 if you invite friends or family to join you both recieve 25 .. Ya’ll go Check out Christi She was amazing and very friendly…🟢

Brian Johnston

Brian Johnston

3 months ago

I had a great experience dealing with Christi Merritt. She was very helpful, thorough, and professional in helping me secure refinancing for my vehicle. She also went above and beyond and helped me with a signature loan to get some high interest payments down into a very manageable and beneficial payment plan. Can’t say enough good things about her and TCFU.

Ali Vi

Ali Vi

3 months ago

I had a great experience at TFCU Bank. Christi was very professional, answered all of my questions clearly, and made the entire process smooth and welcoming. I’m excited to bring my business here and start a long-term relationship for my future investments. Highly recommend!

Jessie B

Jessie B

3 months ago

The atmosphere at the TFCU on crossroads Denton Area is very welcoming. Christi Merrit is my go-to person for help with my personal financing. Christi is kind, patient, and relatable. I am grateful for all her assistance as I navigated financial changes and challenges.thank you so much 😊

Alanna Matthews

Alanna Matthews

5 months ago

Antonio had excellent customer service! He helped my fiance and me get established within the credit union. He also helped us realize we were capable of saving more money with one of the programs that TFCU offered. We had been shopping around for various banks and the energy and warmth when we walked in the door at this branch was immediate. The staff at this location are all amazingly kind. 10/10 experience.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).