NCUA Insured
Member-Owned
1 charter
Established in 1975
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1975
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Dallas and serves members in the TX area. Currently serving 59,844 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
7.00%Used Auto Loan
4.72%Personal Loan
11.97%Credit Card APR
9.50%Important: Rates are sourced from NCUA call report filings (Q4 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.
Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).
Odessa, TX
Houston, TX
Amarillo, TX
Levelland, TX
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.6
76 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsKaren Elsafty
4 months ago
Wanted to pay off a loan and make a beneficiary change on another account. Donnalyn was very pleasant and made sure to answer my questions and made inquiries if she didn’t know the answer. I wanted to made sure I had paper copies of changes and payoffs in hand before I left and she made sure I received them. The atmosphere was friendly and my husband enjoyed the sweet treats while I took care of business.
ALC
5 months ago
I have to brag for a minute, Cheri H was amazing. I recently signed up thanks to her and there was an issue with my debit card not being delivered to my home address. I saw her again and asked her. We waited a day more just to make sure and sure enough nothing came in. SHE CAME TO MY WORK TO PERSONALLY DELIVER MY CARD!!! If that doesn’t highlight great customer service then I don’t know what does, she’s amazing!
Julian Quintana
5 months ago
This is the worst bank I have ever had! I have had numerous declines for credit card purchases because they think its fraudgulent and its also been hard to withdrawal large amounts of my own money through sattelite l banks. They are holding a deposit of a 3k check for 11 days and their reasoning is supposedly because I have too many overdrafts! I dont ever have overdrafts. Ill be witching banks and cancelling this account as soon as this check goes through smh.
Sam Watkins
8 months ago
I've had checking, savings, and auto loans through SWACU with very few issues and competitive rates & terms. However, I DO NOT RECOMMEND their credit cards. I've had numerous legitimate transactions declined by their fraud detector. They have a lag of several minutes to hours before you get a text that the transaction has been declined, would you like to approve it? How do you approve something two hours after the fact? That's a new transaction I have to arrange, if possible. Ironically, it's especially bad for travel. You'll have to have another credit card for travel.
Michael C.
a year ago
Absolutely horrible! Trying to get a loan is like being pulled through the mud. I tried to link an external checking account to my SWACU checking account because SWACU doesn't offer Zelle. Most banks offer Zelle, but not SWACU that still operates like it's in the 80s or 90s. I have to make a personal payment every month with Zelle. I went through the entire process to link an external checking account, including waiting a couple of days for them to make two deposits into my external checking account, transferred the money, waited 4 days, and then I get a voicemail at 4:50pm saying SWACU stopped the transfer. In addition to stopping the transfer they deleted the account that I linked. Im fed up with this credit union. Heaven forbid if your a pilot and want to use your debit card in a different state, or try to purchase something online from a non big name website. That automatically gets your card locked down.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(214) 357-5577Website
Visit WebsiteMembers
59,844
Total Assets
$846.2M
Year Opened
1975
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile