Texas · NCUA branch file, Q2 2026
Credit unions in Waco, TX
19 credit unions have 29 offices in Waco, Texas, according to the branch information they filed with NCUA for the quarter ended June 30, 2026. Educators Credit Union has the most here (4); the largest by assets is Texell Credit Union at $801 million.
| Credit union | Offices here | Assets | Net worth ratio | New auto rate | Based in |
|---|---|---|---|---|---|
| Educators Credit Union | 4 | $610M | 20.32% | 5.24% | Waco, TX |
| First Central Credit Union | 4 | $192M | 16.35% | 10.06% | Waco, TX |
| Genco Federal Credit Union | 2 | $495M | 14.26% | 5.51% | Waco, TX |
| Members Choice of Central Texas Federal Credit Union | 2 | $213M | 16.26% | 5.90% | Waco, TX |
| Heart O' Texas Federal Credit Union | 2 | $54.6M | 7.43% | 4.60% | Waco, TX |
| 1st University Credit Union | 2 | $18.5M | 10.02% | 6.02% | Waco, TX |
| Texell Credit Union | 1 | $801M | 10.48% | 4.49% | Temple, TX |
| Kraftman Federal Credit Union | 1 | $142M | 14.60% | 5.00% | Bastrop, LA |
| Matagorda County Credit Union | 1 | $36.2M | 17.39% | 4.25% | Bay City, TX |
| Southern Teachers & Parents Federal Credit Union | 1 | $29.2M | 8.76% | 4.90% | Baton Rouge, LA |
| McMurrey Federal Credit Union | 1 | $22.0M | 15.06% | 4.99% | Tyler, TX |
| McLennan County Employees Federal Credit Union | 1 | $21.6M | 25.62% | 4.89% | Waco, TX |
| Waco Federal Credit Union | 1 | $20.3M | 10.19% | 5.00% | Waco, TX |
| Linkage Credit Union | 1 | $18.2M | 17.92% | 6.61% | Waco, TX |
| Fontana Federal Credit Union | 1 | $17.5M | 8.61% | 2.74% | Fontana, CA |
| Acadiana Medical Federal Credit Union | 1 | $13.5M | 25.47% | 4.00% | Lafayette, LA |
| Pba Federal Credit Union | 1 | $11.3M | 29.30% | 6.25% | Pine Bluff, AR |
| Baker Hughes Federal Credit Union | 1 | $11.2M | 12.77% | 5.49% | Houston, TX |
| Highway District 9 Credit Union | 1 | $4.2M | 26.36% | 7.00% | Waco, TX |
Rates are what each credit union reported to NCUA for new auto loans, not offers. All Texas credit union loan rates.
Addresses, phone numbers and hours
Educators Credit Union
- TSTC 100 Bolling Dr, Waco, TX 76705 Drive-through · ATM
- MAIN 501 W State Highway 6, Waco, TX 76710 Main office · Drive-through · ATM
- LAKESHORE 2400 Lake Shore Dr, Waco, TX 76708 Drive-through · ATM
- Trojan Branch 3201 S New Rd, Waco, TX 76706
First Central Credit Union
- Sanger Office 6201 Sanger Ave, Waco, TX 76710 Main office · Drive-through · ATM
- Chapel Office 9101 Chapel Rd, Waco, TX 76712 Drive-through · ATM
- Bellmead Office 3100 Bellmead Dr, Waco, TX 76705 Drive-through · ATM
- DTS-CENTRALIZED LENDING OFFICE 6801 Sanger Ave Ste 1030, Waco, TX 76710
Genco Federal Credit Union
- Valley Mills 731 N Valley Mills Dr, Waco, TX 76710 Main office · Drive-through · ATM
- Northeast 1500 N Loop 340, Waco, TX 76705 Drive-through · ATM
Members Choice of Central Texas Federal Credit Union
- Main Branch 4631 W Waco Dr, Waco, TX 76710 Main office · Drive-through · ATM
- Northside Branch 845 New Dallas Hwy, Waco, TX 76705 Drive-through · ATM
Heart O' Texas Federal Credit Union
- Main Office 7500 Imperial Drive, Waco, TX 76712 Main office · Drive-through · ATM
- L3 7412 Maehr Rd, Waco, TX 76705 Drive-through · ATM
1st University Credit Union
- 1st University Credit Union 24 La Salle Ave Unit C, Waco, TX 76706 Main office · ATM
- Chartwells Management Offices 2100 River St, Waco, TX 76706
Texell Credit Union
- Hewitt 1221 Hewitt Dr, Waco, TX 76712 Drive-through
Kraftman Federal Credit Union
- Bradford Scott 5213 Lake Shore Dr, Waco, TX 76710
Matagorda County Credit Union
- DATA SYSTEMS OF TEXAS 720 N 64Th St, Waco, TX 76710
Southern Teachers & Parents Federal Credit Union
- DATA SYSTEMS/SHARETEC 5213 Lake Shore Dr, Waco, TX 76710
McMurrey Federal Credit Union
- Sharetec 5213 Lake Shore Dr, Waco, TX 76710
McLennan County Employees Federal Credit Union
- Corporate Office 215 N 5Th St Ste 224, Waco, TX 76701 Main office · ATM
Waco Federal Credit Union
- Main 826 N 3Rd St, Waco, TX 76707 Main office · Drive-through
Linkage Credit Union
- LINKAGE CREDIT UNION 4527 Speight Ave, Waco, TX 76711 Main office · Drive-through · ATM
Fontana Federal Credit Union
- Data Systems of Texas 5213 Lake Shore Dr, Waco, TX 76710
Acadiana Medical Federal Credit Union
- ShareTec 5213 Lake Shore Dr, Waco, TX 76710
Pba Federal Credit Union
- DATA SYSTEMS OF TEXAS 5213 Lake Shore Dr, Waco, TX 76710
Baker Hughes Federal Credit Union
- Data Systems of Texas 720 N 64Th St, Waco, TX 76710
Highway District 9 Credit Union
- Highway District 9 Credit Union 2417 Columbus Ave, Waco, TX 76701 Main office
Addresses, phones and hours are as each credit union filed them with NCUA; confirm before you visit. Not affiliated with NCUA or any credit union.
Other cities in Texas
- Houston 77
- San Antonio 21
- Austin 25
- El Paso 11
- Frisco 47
- Fort Worth 23
- Dallas 26
- Corpus Christi 14
- Beaumont 14
- Amarillo 10
- Midland 12
- Odessa 8
- Tyler 12
- Texarkana 8
- Sugar Land 14
- Lubbock 7
Every Texas city · All Texas credit unions
Questions people ask
How many credit unions are in Waco, TX?
NCUA's branch file for Q2 2026 lists 29 credit union offices in Waco, run by 19 credit unions, 10 of them headquartered in the city.
Which credit union has the most branches in Waco?
Educators Credit Union, with 4 offices in Waco. The largest credit union with an office here is Texell Credit Union, with $801 million in assets.
Can I join a credit union in Waco?
Each credit union serves a defined field of membership, often people who live or work in an area, employees of certain companies, or members of an association. Check the credit union's own eligibility rules. Some credit unions are open to anyone in the US through an association or a small donation.