How to Join Members Trust Federal Credit Union
Serving Houston and Stephenville, Texas
Members Trust Federal Credit Union is a member-owned financial cooperative serving individuals and families in Houston, Stephenville, and surrounding Texas communities.
Joining Members Trust Federal Credit Union gives you access to affordable banking services, competitive loan rates, and personalized support from a financial institution focused on helping members succeed.
Unlike traditional banks, Members Trust Federal Credit Union is not-for-profit, which means earnings are returned to members through lower fees, better rates, and improved services.
How do I Join Members Trust Federal Credit Union?
Becoming a member is easy! You just need to open a Basic Savings Account with $5 to establish your Members Trust Federal Credit Union membership and gain access to all of our fantastic products and services.You can fill out our online membership application, contacting the credit union directly or visiting a branch serving Houston or Stephenville, Texas.
Phone: 800-683-6455
A membership specialist can help answer questions and guide you through opening your account.
Who Can Join Members Trust Federal Credit Union?
You may be eligible to join Members Trust Federal Credit Union in Houston or Stephenville, Texas if you meet membership requirements based on employment, affiliation, or community eligibility.
Once you become a member, you are a member for life, even if you move or change jobs.
Members Trust FCU proudly serves members across Houston, Stephenville, and surrounding Texas communities with convenient online and mobile banking services.
What Services Does Members Trust Federal Credit Union Offer?
Members of Members Trust Federal Credit Union have access to a full range of financial products designed to support everyday banking and long-term financial goals.
- Savings
- Free Checking
- Youth and Student Accounts
- Auto, Home and Personal Loans
- Credit and Debit Cards
- Free Home Banking, Mobile App, Mobile Deposit and Online Bill Pay
- And much more!
What Do You Need to Open a Membership Account?
To open an account with Members Trust Federal Credit Union, you will need to provide the following information:
- Full Name
- Residential Address
- Date of Birth
- Social Security Number or Individual Tax Identification Number (ITIN)
You will also need two forms of identification.
Primary Identification (required)
One unexpired government-issued photo ID such as Driver’s License or Passport
Secondary Identification
Examples include Social Security Card, Voter Registration Card, or Taxpayer Identification Card.
Additional identification options may also be accepted. Contact the credit union if you have questions.
Why Choose a Credit Union Instead of a Bank?
Many people choose credit unions in Houston and Stephenville because they offer a member-focused alternative to traditional banks.
Members Trust Federal Credit Union operates under the philosophy of “people helping people.”
Key differences include:
- Member Ownership: Members are owners of the credit union.
- Not-for-Profit Structure: Profits are returned to members instead of shareholders.
- Better Rates and Lower Fees: Credit unions often provide more competitive financial products.
- Member Voting Rights: Members have a voice in credit union leadership and decisions.
Learn more about the Credit Union Difference!
What Is the Mission of Members Trust Federal Credit Union?
Members Trust Federal Credit Union operates under the philosophy of “members helping members.”
The credit union is dedicated to providing high-quality financial services to its member-owners in a professional, efficient, and friendly environment.
Through responsible financial practices and personalized service, Members Trust Federal Credit Union works to help members achieve greater financial stability and success.
Our Vision: Making financial success a reality, ONE member at a time.
Let's get started.
Frequently Asked Questions (FAQs) About Joining Members Trust Federal Credit Union
Who can join Members Trust Federal Credit Union?
Membership at Members Trust Federal Credit Union is available to individuals who meet eligibility requirements through employment, affiliation, or community relationships with the credit union. Members Trust FCU proudly serves individuals and families in Houston, Stephenville, and surrounding Texas communities.
Once you become a member, your membership remains active for life, even if you move or change employers.
Is Members Trust Federal Credit Union only for Houston residents?
No. While Members Trust Federal Credit Union serves many members in Houston, Texas, membership is also available to eligible individuals in Stephenville and even Oklahoma depending on eligibility criteria.
Members can manage their accounts from anywhere using online banking, mobile banking, and mobile deposit services.
What is required to open an account at Members Trust Federal Credit Union?
To open a membership account, you will need:
- Your full name
- Residential address
- Date of birth
- Social Security Number or ITIN
You must also provide two forms of identification, including one government-issued photo ID such as a driver’s license or passport.
Is Members Trust Federal Credit Union federally insured?
Yes. Deposits at Members Trust Federal Credit Union are federally insured by the National Credit Union Administration (NCUA), providing protection for members' deposits up to federally insured limits.
What are the benefits of joining a credit union?
Credit unions like Members Trust FCU offer several advantages over traditional banks:
- Member ownership structure
- Competitive loan and savings rates
- Lower fees
- Personalized service
- Voting rights in credit union leadership
Members Trust Federal Credit Union operates under the philosophy of “people helping people.”