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Texoma Community

PO Box 1320, Wichita Falls, TX 76307
NCUA Insured4.6 (211 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

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

Location & Directions

Address

PO Box 1320

Wichita Falls, TX 76307

Service Area

This credit union is located in Wichita Falls and serves members in the TX area. Currently serving 26,670 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

6.35%

Used Auto Loan

7.67%

Personal Loan

9.85%

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(3 total)

Member Reviews

4.6

211 Google reviews

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

View on Google Maps
Mike Reynolds

Mike Reynolds

3 months ago

I have been with them going on 15 years. I go to get an Auto Loan, they quote a 2% higher rate than another company and shorter term. It took two days to get an answer. Did not care for the slightest in giving two months pay stubs. Having to get the dealer to send a bill of sale over before processing it through all there management. They seem to communicate only by email. Seems a total different company than when I got my mortgage with them. If it was anything like what it is now compared to when I had my home financed would of never of used them. Poor customer service in returning calls and communication. Require more information than any lender I have used in the past.

Matt S

Matt S

3 months ago

I use to love this bank. Moving from it to another bank since I left Texas has been the biggest headache. Bad timing on my part that it was when they were getting ready to start their technology upgrade. However they decided to turn services off before their upgrade date with no notification. All communications from them stated the 28th of February but they started turning them of on the 25th. Save yourself some time and go with a large bank. They might be soleless but I haven't had issues like this with them.

Michael Parker

Michael Parker

3 months ago

Rebecca Curry was very patient and helpful in working through my business account issues. Thank you so much for the great customer service!

Debra West

Debra West

6 months ago

I’ve been a loyal Texoma Community Credit Union member for over 20 years and have always valued supporting a local credit union. However, my recent experience at the drive-thru was extremely disappointing. I entered the line at 5:40 p.m. and pulled up to the window at 5:45. It was 6:02 when the teller finished processing my 14 deposits. The teller asked me “ can you get here sooner next time because we close at 6 p.m.?” I told him I arrived at 5:40, I thought 20 minutes was ample time to process 14 deposits . He then told me “then you need to combine all 14 deposits onto one ticket next time “. When I explained that that wasn’t possible due to our property management accounting system, his response was simply, “Whatever.”, and dropped the mini blind to the drive thru. After two decades of consistent business with TCCU, I expect professionalism and courtesy—especially when I arrived well before closing and waited patiently for more than 22 minutes.This interaction did not reflect the level of service I’ve come to appreciate over the years. I hope management addresses this so members can continue to count on respectful and efficient service.

Janna Lee

Janna Lee

6 months ago

Synthia was wonderful to work with. She was very professional and knowledgeable about setting up a business account. I would definitely recommend her and will reach out to her again for any other needs I have.

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).