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Sulphur Springs, Texas - Credit Unions search results Premier Listings

Navy Federal Credit Union
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First National Bank
First National Bank
Terms to Know About Credit Unions

A credit union can perform many of the same functions as a bank. However, membership is limited to those that share a common bond, such as living in the same community. They may offer a better interest rate if you want to save money. They also may offer lower rates on loans, for example if you need to finance a large purchase. As you are considering institutions in your community, below are some terms to be familiar with.

  • Advice - An institution’s written acknowledgement of a transaction related to your account, for example that a check has cleared.
  • Demand deposit - Funds in a member’s account that are subject to withdrawal on demand.
  • Loan draft - A mechanism that allows a member to draw funds against an existing loan amount.
  • NCUA - National Credit Union Association, the federal regulatory agency responsible for chartering, examining and insuring any federal institution of this type. Also may insure the accounts in many state-chartered institutions as is sometimes required by state law.
  • Share draft account - A checking account. Your dollars on deposit are referred to as shares.
  • Yield - The interest rate paid on an account or certificate of deposit.
  • Average daily balance - A method used to set the interest on the balance of a loan from a bank or other finance institution. Purchases are added to the existing balance and then payments subtracted, and the result divided by the number of days in the month.
  • Certificate of deposit - A receipt for funds deposited for a specific period of time and at a certain interest rate.
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    Highland Capital Management
    300 Crescent Court Suite 700, Dallas, TX 75201
    With more than 30 years of experience in the credit markets, James Dondero is the co-founder and president of Highland Capital Management.
    (877) 665-1287
    Confidential Credit Consulting
    1408 N Riverfront Blvd #109, Dallas, TX 75207
    Regain control of your credit with Confidential Credit Consulting. Based in Dallas, TX, we offer guaranteed credit education and correction services nationwide.
    (866) 257-4625
    Corner Stone Credit Union
    130 Historic Town Square, Lancaster, TX 75146
    Contact Corner Stone Credit Union at (469) 480-3583 in Lancaster, TX, today to discover why locals depend on our credit union for the best in banking services.
    (469) 480-3583
    Service 1st Credit Union
    421 Industrial Dr E Ste 213, Sulphur Springs, TX 75482
    (903) 885-2768
    Yantis Federal Credit Union
    120 S Main St, Yantis, TX 75497
    (903) 383-2300
    Yantis Federal Credit Union
    110 S Main St, Yantis, TX 75497
    (903) 383-2400
    Employees United Federal Credit Union
    2285 19th St Nw, Paris, TX 75460
    (903) 784-6861
    North East Texas Teachers Federal Credit Union
    3320 Lamar Ave, Paris, TX 75460
    (903) 785-6682
    District One Credit Union
    2500 Farm Road 79, Paris, TX 75460
    (903) 785-2472
    Paris District Credit Union
    500 Clarksville St, Paris, TX 75460
    (903) 739-8050
    American Eagle Credit Union
    1585 Nw Loop 286, Paris, TX 75460
    (903) 785-8320
    1340 N Main St, Paris, TX 75460
    (903) 785-2472
    Lone Star Credit Union
    2611 Eastland St, Greenville, TX 75402
    (903) 454-0789
    District 1 Texas Highway Department Credit Union
    1700 Farm Road 195, Paris, TX 75462
    (903) 739-8728
    North East Texas Credit Union
    1405 S Jefferson Ave, Mount Pleasant, TX 75455
    (903) 577-3501

    Modern credit unions have existed in one form or another since 1852, when the accountant and scholar Franz Hermann Schulze-Delitzsch consolidated two of his pilot projects to form the world's first union. Since then, credit unions have evolved to become complex finance institutions, governed and controlled by a community of members. Today, credit unions exist in nations and states across the globe, and they remain dedicated to serving the financial needs of their community of members. These needs may vary from legal financing to home equity financing to auto financing, or anything in between. Members rely on their unions to establish checking and savings accounts. They also use them for all of their credit card and ATM needs. And they often use them to take out loans as well. Credit unions are typically, but not always, smaller than banks, and unlike banks, their interest rates are established by their members. Credit unions are completely secure, and they may be chartered at the state or federal level. Federal unions are generally more tightly regulated than state unions. But both offer interested members a variety of ways to save money and properly finance their lives. Anyone interested in learning a little more about these interesting financial institutions ought to consider contacting a member of their nearest credit union. If you decide to apply to become a member of a union, and you're approved by the existing members, you could start saving large quantities of money almost instantly. Personal financial freedom could be just a phone call away!
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