National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Main share of credit unions assets is concentrated in loans (about 50%), while the share of consumer loans in commercial banks and finance companies active operations rarely exceeds 15%. The most common type of loans in credit unions are loans to purchase new and used cars (40%), followed by first mortgages and second mortgages (35%), about 10% are unsecured personal loans to member of unions and about 15% - are loans on credit cards and other loans. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). Credit union as a consumer cooperative operates on the principles of equality of all its members.
Credit Union Location in Houston, Texas
Houston, Texas have 73 agent Credit Union location in your country. All country.
Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities.
| Agent | Contacts |
|---|---|
| Carroll Childers Credit Union, Houston |
12660 La Rochelle Dr Houston, TX 77015
Phone: 713-453-4691 ext. 105 Routing number: 67466 |
| Cy-Fair Federal Credit Union, Houston |
Cy-Fair Federal Credit Union 9601 Jones Road Houston, TX 77065
Phone: (281) 890-7676 Routing number: 11452 |
| El Paso Corporation Federal Credit Union, Houston |
1001 Louisiana St Houston, TX 77002
Phone: (713) 420-2733 Routing number: 06009 |
| Empowerment Community Development Federal Credit Union, Houston |
6011 W. Orem Houston, TX 77085
Phone: (713) 726-2515 Routing number: 24769 |
| Energy Capital Credit Union, Houston |
18540 Northwest Freeway Houston, TX 77065
Phone: (832) 604-4848 Routing number: 61936 |
| First Community Credit Union Of Houston, Houston |
15260 Fm 529 Houston, TX 77095
Phone: (281) 856-5300 Routing number: 66818 |
| First Service Credit Union, Houston |
9621 W Sam Houston Pkwy N Houston, TX 77064
Phone: (832) 688-1000 Routing number: 68605 |
| Graphic Arts Credit Union, Houston |
12755 N Houston Rosslyn Rd Houston, TX 77086
Phone: (713) 455-8586 Routing number: 61438 |
| Harris County Federal Credit Union, Houston |
1400 Franklin Street Houston, TX 77002
Phone: (713) 755-5160 Routing number: 07552 |
| Hha Federal Credit Union, Houston |
1600 Allen Parkway Suite 209 Houston, TX 77019
Phone: (713) 571-0641 Routing number: 16195 |
Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. The first credit union in the United States was founded in 1909. by the group of Franco-American Catholics in Manchester, New Hampshire, and was called "Cooperative Credit Association of St. Mary. " First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Credit unions perform the function of social protection in a vital for people sphere of financial services. They care about improving the financial literacy of the population, are working on the formation of their members and their employees. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. Credit unions appeared in England in the 19th century. In 1844 a group of workers from Rochdale established the first cooperative. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type.