Featured Savings Rates
Featured Accounts

InTouch Credit Union

Popular Accounts at this Credit Union

2.04%5-year CD60 Month CD
1.31%1-year CD12 Month CD
0.15%SavingsRegular Savings

Overview / Commentary
5640 Democracy Dr
Plano, TX 75024

InTouch Credit Union is a large credit union headquartered in Plano, Texas, having been originally chartered in 1974. The credit has grown to serve tens of thousands of members located in all 50 states and in various countries all over the world.

ITCU offers depository and loan products and services to provide personal, business, and wealth management banking solutions to meet the needs of its members. On its personal depository banking side, the credit union makes a range of savings account products available, including youth savings, health savings, and money market and certificate accounts. Its certificate account offerings range in term lengths from 3 to 60 months and require a $1000 minimum to open. There is a range of checking account products available, among which are offerings that provide unlimited checks or accounts that are managed exclusively online.

InTouch Credit Union online banking provides 24-hour access to accounts for mobile banking, account management, and QuickBooks through its eBanking platform. The credit union also offers a variety of educational tools and webinars to help members understand products and services related to things like children’s and college students’ savings programs. ITCU’s website also features calculators to help members with budgeting and account rate comparison. The credit union issues loans to both businesses and individuals for vehicles, real estate, equipment, and credit cards.

InTouch Credit Union is a non-federal, state-chartered credit union and is insured by the NCUA. It operates branches in the physical vicinity of the city of Dallas, close to its headquarters.

Field of Membership Restrictions

Membership in InTouch Credit Union is open to those who live, work, attend school or worship within a 10-mile radius of one of the credit union's branches. Membership is also open to employees of Dr Pepper Snapple Group, Caesars Entertainment Corporation and other local select employer groups.
See current membership details

Intouch Credit Union

Posted by: Yuki | Apr 7, 2014

I have been with this credit union for about six years now, and it is so much better than my previous bank. The customer service at Intouch is excellent; employees attend to you as soon as you open the door. They are completely transparent with their customers. No hidden fees. The only thing that needs a little bit of improving is the online banking. I was helped by a very nice employee to sign up for home banking, but my password did not work when I got home. Overall, I give Intouch Credit Union a 5 out of 5.

Worst Re-Fi Experience Ever

I actually finally gave up after 3 months of providing documentation, going back and forth, and their always needing just one more thing - - then, just one more thing, ad nauseum. I have done business here for 25+ years, beginning when it was the EDS Credit Union. Never had problems, a number of previous loans (not mortgage), have a terrific credit score - - what is their problem? I will never again attempt a mortgage or mortgage re-fi with them, and I advise others to run quickly to a different lender. In fairness, I have never experienced a screw-up with any of my accounts in all of these years, so I will continue to bank here for checking and small savings accounts.

Be Careful If You Do Not Have Time To Babysit Your Bank!!!!!

Posted by: nospam | Jan 24, 2012

We have an account with these people and they recently changed the rules to the accounts by sending out a note in the mail.

They will begin charging for a LONG list of services, not previously charged for and the few optional ones can not be avoided unless you physically go into the bank to get it done.

What was once a good idea, has become a very expensive liability to me, and is now costing time and effort I don't have to go correct a change they decided to make.

If you do not have extra time and energy to babysit your bank, this is not the place for you, as it will not be easy for you to take care of on the phone or online (if you want to do anything online, you have to go into the office first as they do not provide your account number to you through statements or any other means beyond showing up in a branch)...

What a pain...


This bank is a JOKE. They are the worst bank I have ever had to deal with. The customer service is horrible, and they talk down to customers as if they are stupid.

The banking app is terrible. It will lock you out all of the time, and when you call in to find out why they are hard to even deal with. If you don't memorize your bank acct number and have to call in, they charge you $5 EVERYTIME to ask you questions to verify its your account.

They will bother you relentlessly if you are even a day or two late on a loan. I left this bank and it is one of the best business decisions I have ever made. They will kiss your tail to get you as a customer then they will treat you like garbage once you are a member.



Health Grade Components

NCUA #68505
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.52%
Annual Interest Income$13.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$810.1MM$782.9MM
LoansQ2 2017vs Q2 2016$640.0MM$596.9MM
DepositsQ2 2017vs Q2 2016$716.0MM$685.5MM
Equity CapitalQ2 2017vs Q2 2016$72.6MM$73.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.6MM$5.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$4.0MM$4.4MM
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

InTouch Credit Union Savings Account Rates

0.60%-$10kHoliday Club Savings
0.50%$100-HSA Checking
0.30%--Chip/Geared Up/On My Own Savings
0.25%--IRA Savings
0.25%$100-Non-Profit Savings
0.15%--Regular Savings
0.15%$25-Business Regular Savings

InTouch Credit Union Money Market Rates

0.40%*$1m*-Money Fund Accounts
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $350k | 0.30% $350k - $700k | 0.35% $700k - $1mm
0.40%*$1m*-Business Money Fund
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $350k | 0.30% $350k - $700k | 0.35% $700k - $1mm

InTouch Credit Union Checking Account Rates

0.25%*$50k*-Premium Business Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.20%*$5k*-Plus Business Checking
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $5k
0.20%$2,500-On My Own/Geared Up Checking
0.15%*$100k*-Prime Checking
OTHER TIERS: 0.05% $1,500 - $10k | 0.10% $10k - $100k
0.05%--Regular Business Checking
0.05%$500-E-ssential Checking
0.05%$1,500-Momentum Checking

InTouch Credit Union CD Rates

2.09%$95k-60 Month Jumbo CD
2.09%$95k-Business 60 Month Jumbo CD
2.04%$1k$95k60 Month CD
2.04%$1k$95kBusiness 60 Month CD
1.86%$95k-48 Month Jumbo CD
1.81%$1k$95k48 Month CD
1.81%$95k-Business 48 Month Jumbo CD
1.76%$95k-36 Month Jumbo CD
1.76%$1k$95kBusiness 48 Month CD
1.71%$1k$95k36 Month CD
1.61%$95k-Business 36 Month Jumbo CD
1.56%$95k-24 Month Jumbo CD
1.56%$95k-30 Month Jumbo CD
1.56%$1k$95kBusiness 36 Month CD
1.51%$1k$95k24 Month CD
1.51%$1k$95k30 Month CD
1.36%$95k-12 Month Jumbo CD
1.36%$95k-18 Month Jumbo CD
1.36%$250-Youth/Young Adult 12-Month Certificate
1.35%$95k-Business 24 Month Jumbo CD
1.35%$95k-Business 30 Month Jumbo CD
1.31%$1k$95k12 Month CD
1.31%$1k$95k18 Month CD
1.30%$1k$95kBusiness 24 Month CD
1.30%$1k$95kBusiness 30 Month CD
1.15%$95k-Business 18 Month Jumbo CD
1.10%$95k-Business 12 Month Jumbo CD
1.10%$1k$95kBusiness 18 Month CD
1.05%$95k-6 Month Jumbo CD
1.05%$1k$95kBusiness 12 Month CD
1.00%$1k$95k6 Month CD
0.80%$95k-3 Month Jumbo CD
0.75%$1k$95k3 Month CD
0.70%$95k-Business 6 Month Jumbo CD
0.65%$1k$95kBusiness 6 Month CD
0.55%$95k-Business 3 Month Jumbo CD
0.50%$1k$95kBusiness 3 Month CD

InTouch Credit Union IRA Rates

2.09%$95k-60 Month Jumbo IRA
2.04%$1k$95k60 Month IRA
1.86%$95k-48 Month Jumbo IRA
1.81%$1k$95k48 Month IRA
1.76%$95k-36 Month Jumbo IRA
1.71%$1k$95k36 Month IRA
1.56%$95k-24 Month Jumbo IRA
1.56%$95k-30 Month Jumbo IRA
1.51%$1k$95k24 Month IRA
1.51%$1k$95k30 Month IRA
1.36%$95k-12 Month Jumbo IRA
1.36%$250-Youth/Young Adult 12-Month IRA Certificate
1.36%$95k-18 Month Jumbo IRA
1.31%$1k$95k12 Month IRA
1.31%$1k$95k18 Month IRA
1.05%$95k-6 Month Jumbo IRA
1.00%$1k$95k6 Month IRA
0.80%$95k-3 Month Jumbo IRA
0.75%$1k$95k3 Month IRA