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Credit Union of Texas
Phone & Live Chat
Mon - Fri: 9AM - 6PM CST
Sat: 10AM - 2PM CST
Member Services
(972) 263-9497 or (800) 314-3828
Teller: Option 1
Loans: Option 2
Debit Cards & Credit Cards: Option 3
Member Services: Option 4
Lost Cards, Fraud, or Disputes
Debit Cards: (866) 820-1075
Credit Cards: (866) 604-8156
Mortgage Loan Questions
(972) 705-4845
Collections
(972) 705-4950 or (866) 705-4950
FAQs
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Make a payment
Tackle a project, make a big purchase, or weather a rough patch. The extra money from a Personal Loan can go a long way and make life a little easier.
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Apply For Your Personal Loan with Credit Union of Texas
Give your finances a needed boost. We can tailor an affordable Personal Loan to meet your own very personal circ*mstances.
- Loan lengths from six to 60 months* with competitive rates
- Making on-time payments will help build your credit and improve your score
- Maximum loan size depends on your credit score, your debt-to-income ratio and other factors
- Use funds for any purpose - unexpected expenses, education costs, high-priced repairs, home remodeling or major purchases
- Loans can be secured by the deposits in your savings or certificate of deposit accounts
- Our Skip-A-Pay policy allows you to skip up to two payments per year
Apply Online
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to a Credit Union Personal Loan Specialist
(972) 263-9497
Get a personal loan consultation.
Credit Union Personal Loans Benefits Include
Fast And Friendly
Time is of the essence. Our experienced lending team can help you choose the right loan and often process it in one or two days.
Easy Online Payments
There's no need to write a monthly check. Just go to your Online Banking page and make timely transfers to your loan account.
Monitor Your Activity
Go online to take a closer look at where your money goes and how you're spending it so you can stay within budget.
Build Your Credit
Making regular, on-time payments on the funds you use helps improve your credit score.
Funds For Anything
Use your Credit Union of Texas loan money on whatever big plans you have or expenses you want to address.
Skip-A-Pay
Get some financial breathing room when you need it by skipping a loan payment, as long as you're in good standing.
Find the personal lending account that fits you.
Compare Personal Loan Accounts
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We find the best mortgage loan for you and have you ready to move in no time.
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Drive With a Peace of Mind
Wherever you're at in life, we have the right auto loan for you.
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Refinance and make no payments for up to 60 days
Take a payment vacation and save on your auto loan. Refinance for a low rate and payment deferral.
Learn More
We're Adding to your Secure Benefits
Our new credit score tool is now available in your Online Banking Dashboard along with access to all your Secure and Secure Plus Checking benefits!
Login or enroll into Online Banking
Get a good look at where you are and where you're going next.
Financial Calculators
General Credit Union Personal Loan FAQs
How do I make a payment on my personal loan?
- If you're a CUTX member, log in to online banking and make a payment with a funds transfer.
- If you're not a member, use your financial institution to pay via Bill Pay.
- Make a payment through the payment system.
- Pay over phone: Call 972-263-9497, choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
- Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
How much can I borrow?
This depends on several factors – what the loan is for, your credit score, your debt-to-income ratio, and your loan payment history. Each personal loan is unique.
How long does it take to get a personal loan?
In most cases we can fund your loan the same day!
What can I do with a personal loan?
The possibilities are endless – education costs, home improvement, covering expenses during an emergency. We can help you figure out the best solution for what you need.
How long is the personal loan term?
Terms differ from loan to loan, too. Loan terms range from as brief as six months to as long as five years. Longer loan periods have lower monthly payments but a larger overall cost with interest. Our loan experts can help you structure a loan that fits your budget and goals.
What is Skip-A-Pay?
It's our way of providing you some financial relief when you need it by allowing you to skip up to two payments on a qualified loan per year. "Qualified" means your payments must be up-to-date and you must have made at least four payments prior to skipping. Check out the details of Skip-A-Pay.
Why CUTX?
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I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.
The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.
Xavier H.
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*Loans and Rates are subject to credit approval. Rates and terms are subject to change without notice. Additional terms and conditions apply. Payment Example: For $5,000 borrowed for a personal loan over 60 months at 14.24% APR, the monthly payment is approximately $117. This example is an estimate only and assumes all payments are made on time.Membership required.