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H E B

4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
NCUA Insured4.2 (250 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

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

Location & Directions

Address

4630 N Loop 1604 W Ste 101

San Antonio, TX 78249

Service Area

This credit union is located in San Antonio and serves members in the TX area. Currently serving 12,186 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.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.50%

Used Auto Loan

8.50%

Personal Loan

14.49%

Credit Card APR

17.90%

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.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

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

Branches & Locations(1 total)

Member Reviews

4.2

250 Google reviews

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

View on Google Maps
Christine Castelina

Christine Castelina

3 months ago

I had a wonderful experience working with Cheryl at HEB Credit Union for my home equity loan. She was consistently responsive, easy to reach, and took the time to clearly explain each step of the process. The entire experience was smooth, and I always felt informed and supported. Cheryl’s professionalism and patience made what could have been a stressful process feel simple and manageable. I’m truly grateful for her guidance and highly recommend HEB Credit Union. I truly appreciate Gracie, the loan processor, for her patience and support. She was incredibly helpful, took the time to answer my questions, and guided me as I completed the paperwork and signatures. Her professionalism and kindness made everything feel much less overwhelming. Thank you, Gracie!

John Clary

John Clary

3 months ago

H-E-B FCU is one of the best places I have experienced when it comes to financial institutions. What makes it the best is the high level of customer service! Cole has been my primary contact at H-E-B FCU and has set up all of my personal banking needs, supported any changes or requests without delay and even helped me secure a recent Home Equity loan for some needed upgrades. I just wast to ensure they are recognized for their superior service and specifically that of Cole’s! Thank you! 🙏🏼

Brian Nainby

Brian Nainby

3 months ago

My wife and I have just refinanced our home loan. As my wife is a retired HEB employee, we decided to start with HEB FCU. We had the privilege of working with Judy, and John Aleman on this package. At every turn, we were guided, and educated on all manner of “scary” ins and outs. We are an elderly couple, used many lenders over the years. Our experience with HEB FCU has been the best yet. Many thanks for the tireless assistance, and knowledge of the folks here.

John’s Jeep Garage

John’s Jeep Garage

3 months ago

H-E-B FCU has helped me significantly set up my personal banking needs. They stand for and demonstrate a high level of customer service! Through banking needs and debt consolidation loans, they have been first class. What stands above is the excellent care by individuals such as Cole who has helped me in multiple ways. Thank you and Cole for all you do!

Brooke Schomburg

Brooke Schomburg

3 months ago

I was experiencing several challenges with my previous bank, so I contacted Cole Seach at HEB Federal Credit Union to look into alternative options. He made the entire process smooth and was quick to respond to any questions I had about becoming a member. He had me set up and card shipped by the end of day same day.

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).