South & Central U.S. Loan Storefront Guide
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Credit Union of Texas

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 299 Google reviews · How we rank ›

3.7(299) 64 composite score See reviews on Google ✓ Google-verified
Mortgage & Home LoansBad Credit / No Credit CheckBusiness & Commercial Loans
Credit Union of Texas
Services
Mortgage & Home Loans, Bad Credit / No Credit Check, Business & Commercial Loans
Reviews
299

What recent reviews say

Strong individual staff performances, especially at the Ross location, draw consistent praise for speed and courtesy. However, recent operational changes toward AI-only phone support and persistent understaffing have frustrated long-term members, making access to human help difficult for non-local members or complex issues like fraud disputes.

Multiple reviews name Alexandria for professional handling of banking tasks and member concerns. The credit union serves North Texas, East Texas, and claims to operate across the Southern and Central United States. Location and staffing level remain key variables in customer experience.

Recent shift: Recent shift away from phone support toward AI-only customer service, limiting human access for members outside Dallas-Fort Worth area or without local branch proximity.

Praised for
  • exceptional individual staff (Alexandria named repeatedly)
  • quick resolution when service provided
  • pleasant and courteous tellers
  • long-time member loyalty possible
Watch-outs
  • long wait times and insufficient staffing
  • AI-only customer service limiting access to humans
  • service inconsistency across locations
  • documentation and notary service delays
helpful-stafffriendly-staffquick-fundinglong-wait-timespoor-communication
Best for: members living near a branch with straightforward banking needs and in-person service preferences.
Think twice if: you need phone support for fraud claims or complex issues and live outside the Dallas-Fort Worth area or cannot visit a branch.

Strengths

  • exceptional named staff (Alexandria consistently praised)
  • NCUA insurance protection
  • multi-state service reach

Worth knowing

  • Alexandria named multiple times for professional, patient, and knowledgeable service
  • Ross Ave location noted by multiple reviewers (both positive and negative)
  • AI-only phone support recently implemented, humans reachable only for fraud claims or in-branch appointments
  • Notary service available but subject to manager availability and wait times
  • Recent account opening holds 9 days without clear prior explanation

What reviews say by service

Mortgage & Home Loans
Mortgages listed on website; no specific review praise or complaint about mortgage service itself.
Personal Loans
Personal loans listed; one review mentions account opening with unclear hold periods.
Business & Commercial Loans
No review evidence of business loan service provided.
Bad Credit / No Credit Check
No review evidence of bad-credit-specific service mentioned.

How it compares

  • Rated 3.7 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 70% of the businesses in this directory.

How we scored this

How We Rank
Star rating 18
Review volume 100
Review recency 100
Review sentiment 48
Profile completeness 100
Verification 30

Rating breakdown

5
190
4
8
3
4
2
10
1
87

Contact

Address
3305 Ross Ave, Dallas, TX 75204

Last verified 2026-08-23

Opening hours

Monday
09:00-18:00
Tuesday
09:00-18:00
Wednesday
09:00-18:00
Thursday
09:00-18:00
Friday
09:00-18:00
Saturday
10:00-14:00
Sunday
Closed

As listed on Google.

From their website

Services listed
Checking accountsSavings accountsCertificates of depositIRAsMoney market accountsCredit cardsAuto loansAuto refinancing

Credentials claimed:NCUA insured deposits, Routing number 311079306

As published by the business on its own website; not independently verified.

Enquire about Credit Union of Texas

Your enquiry goes to the South & Central U.S. Loan Storefront Guide team, who will pass it to Credit Union of Texas. We only share your details with providers relevant to your request.

Common questions

Can I reach a human by phone if I have a problem?
As of recent changes, phone support is AI-only for most cases. You can schedule in-branch appointments or, if you mention fraud, reach a human on the fraud line. This requires a Dallas-Fort Worth area branch visit unless you live locally.
How long are funds on hold when I open an account?
One recent reviewer reported a 9-day hold on funds and was not clearly told this upfront when opening the account.
Does the credit union offer notary services?
Yes, notary service is available, but it is subject to manager availability. Recent reviewers reported 30-minute waits and had to visit multiple locations.

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Last updated 2026-08-23