Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Austin
Texas Health Credit Union Credit Union has been serving members since 1956, originally established by volunteers seeking alternatives to for-profit financial institutions. Our organization has grown to offer diverse financial products and services for individuals and small businesses, prioritizing exceptional member service. We differentiate ourselves through personalized support and a commitment to the philosophy of 'people helping people.' With a $25 savings account requirement, membership grants access to no-monthly-fee checking accounts, free online banking, and hundreds of no-service-charge ATMs. Our loan officers process applications efficiently, understanding the complexities of family and small business finances.We provide home equity loans with no closing costs up to $250K, auto loans with simple interest calculations, and recreational vehicle financing. Our credit card offerings include no annual fees and competitive APR rates. We maintain transparency in all services, adhering to strict underwriting guidelines and regulatory requirements. Our Austin-based team includes NMLS-certified professionals dedicated to financial health education and community engagement through initiatives like Coffee with a Cop.
Services
Savings Accounts
Checking Accounts
Home Equity Loans
Auto Financing
Credit Cards
RV Boat Loans
Personal Loans
Online Banking
Mobile Banking
Wire Transfers
Details
- Year established: 1956
Highlights and features
- We offer no closing cost home equity loans up to $250K
- Our auto loans feature simple interest calculations with no pre-payment penalties
- We provide 24/7 digital banking access with mobile payment options
- Our team includes NMLS-certified loan professionals with local market expertise
- We maintain hundreds of no-service-charge ATMs across Texas
What people say
No closing costs
Quick loan processing
No monthly fees
Community involvement
Mobile app convenience
Services
Home Equity Loans
Our home equity loans offer low fixed rates with no closing costs up to $250K. Borrow up to 80% of your home's market value for remodeling, tax payments, or medical bills. Terms extend up to 15 years for second liens and 30 years for first liens with convenient online applications available 24/7.
Auto Financing
Get pre-qualified for auto loans with simple interest calculations and no pre-payment penalties. Competitive rates apply for new and used vehicles with flexible terms determined by creditworthiness. Our loan officers process applications quickly to eliminate dealer pressure during car shopping.
Credit Cards
Choose between our no-annual-fee MasterCard at 13.90% APR or MasterCard Gold with 9.90% APR and higher credit limits. Both options include mobile wallet compatibility, ScoreCard Rewards, and Mastercard security benefits like ID theft protection and global service assistance.
Personal Loans
Access quick funds for debt consolidation, medical expenses, or vacations with fixed monthly payments. Our personal loans feature competitive rates and flexible terms based on creditworthiness. Apply online or through our mobile app for convenient access to approved credit lines.
Digital Banking
Manage accounts 24/7 through our secure online platform with bill payment, mobile check deposit, and real-time transaction monitoring. Use Card Suite Lite for instant spending controls, location-based security, and instant transaction alerts through our enhanced mobile banking application.
People
Derrick Brown
President/CEO
Derrick Brown leads Texas Health Credit Union Credit Union with over 25 years of financial services experience. He oversees strategic operations and maintains the credit union's commitment to member-focused banking solutions while driving community engagement initiatives.
Steve Scott
Executive Vice President/COO
Steve Scott manages daily operations with expertise in credit union compliance and member services. He ensures efficient delivery of financial products while maintaining regulatory standards across all departments.
Jessica Elizalde
Loan Officer
Jessica Elizalde specializes in mortgage and consumer lending with personalized financial guidance. Her 10+ years in loan origination help members achieve homeownership and debt management goals through tailored financing solutions.
Dan Duprey
Loan Officer
Dan Duprey provides expert loan advice with focus on auto financing and recreational vehicle loans. His market knowledge helps members secure competitive rates while navigating Texas-specific lending regulations.
Remy Martinez
Marketing Specialist
Remy Martinez develops community outreach programs and financial education initiatives. She coordinates events like Coffee with a Cop while managing digital marketing campaigns to enhance member engagement across Central Texas.
Questions
How do I apply for a home equity loan?
Complete our online application or contact a loan officer. Provide property details and financial information for pre-approval. No closing costs apply up to $250K loan amounts.
What credit card benefits are available?
Our MasterCards offer no annual fees, ScoreCard Rewards, mobile wallet compatibility, and Mastercard security benefits including ID theft protection and global service assistance.
Can I access banking services outside Austin?
Yes, we provide online banking, mobile check deposit, and hundreds of no-fee ATMs statewide. Loan services apply to Texas properties only.
What membership requirements exist?
Open a $25 savings account to become a member. This grants access to all checking, loan, and investment products with no monthly service charges.
How does the personal loan process work?
Apply online or in-person with financial documentation. Rates depend on creditworthiness, collateral value, and loan amount. Funds disburse after approval and required disclosures.
What auto loan terms are available?
Terms vary based on credit profile and vehicle age. Simple interest calculations apply with no pre-payment penalties. Pre-qualification available through our loan officers.
