Business Details
Your Trusted Financial Partner in West Texas
Texas Tech Credit Union operates as a member-owned financial cooperative dedicated to delivering comprehensive financial solutions. With a foundation built on trust, respect, excellence, kindness, and stewardship (TREKS), we prioritize member needs through innovative products and personalized service. Our offerings include cashback checking accounts with early direct deposit access, competitive loan programs for vehicles and homes, high-yield savings vehicles, and specialized financial education initiatives.As a federally insured credit union, we serve diverse communities across West Texas through physical branches and a feature-rich mobile banking platform. Our team of experienced professionals combines cutting-edge technology with traditional financial expertise to create tailored solutions for students, educators, and local residents.
Services
Auto Loans
Mortgage Loans
Personal Loans
Savings Accounts
Checking Accounts
Credit Cards
Certificates of Deposit
Boat Loans
RV Financing
Student Banking
Highlights and features
- We offer personalized loan solutions tailored to your financial needs
- Our cashback checking provides 1% rewards on everyday purchases
- Access to 88,000+ fee-free ATMs nationwide
- High-yield savings accounts with tiered dividend rates
- Member-owned cooperative structure prioritizing customer interests
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loan programs offer competitive rates for new and used vehicles with flexible terms up to 84 months. Qualified borrowers receive discounted rates through our relationship-based pricing model. We support both direct lending and dealership financing options.
Mortgage Loans
We provide comprehensive mortgage solutions including conventional, FHA, and VA loan programs with terms up to 30 years. Our best rate guarantee ensures competitive pricing while our digital mortgage process streamlines home financing.
Savings Accounts
Our tiered savings products include high-yield money market accounts and certificates of deposit with rates up to 3.75% APY. The base Save Account requires only $5 to open with no monthly fees.
Personal Loans
Flexible personal loan options available for credit scores ranging from excellent to marginal. Unsecured loans and lines of credit up to $50,000 with terms up to 60 months help members manage various financial needs.
Cashback Checking
The Spend+ Checking account offers 1% cash back on up to $2,000 in monthly debit card purchases. Features include early direct deposit access and nationwide ATM fee rebates with no monthly maintenance charges.
People
Chris Hutson
Chief Executive Officer
With over 20 years in credit union leadership, Chris directs strategic growth initiatives while maintaining our member-first philosophy. He oversees all operational aspects of Texas Tech Credit Union.
Eric Lundberg
Chief Operations Officer
Eric manages daily operations and technology implementation. His 15-year financial services background focuses on improving member experiences through digital innovation and process optimization.
Monty Long
Chief Financial Officer
Monty oversees financial planning and risk management. With CPA certification and decade-plus credit union experience, he ensures fiscal responsibility while developing member-benefiting financial products.
Sarah Daghistany
Chief of Staff
Sarah coordinates organizational strategy and member relations. Her background in financial education programs supports our community outreach initiatives and internal operations alignment.
Ronald Phillips
Board Chairman
As a J.D. and long-serving board member, Ronald provides governance leadership. He represents member interests through strategic oversight while maintaining legal compliance standards.
Questions
How can I become a member of Texas Tech Credit Union?
Membership requires affiliation with Texas Tech University, select schools, or employment with partner organizations. Immediate family members of existing members also qualify.
What loan options are available for first-time homebuyers?
We offer conventional, FHA, and VA mortgage programs with competitive rates. Our mortgage specialists provide personalized guidance through the home buying process.
Do you offer student-specific financial products?
Yes, our Spend+ Checking account with cashback rewards and early direct deposit access caters to students. We also provide auto loans and credit-building tools for young adults.
How do I access my accounts after hours?
Our mobile banking app provides 24/7 account access for transactions, bill payments, and credit monitoring. Online services remain available even when branches are closed.
What protection plans exist for vehicle loans?
We offer GAP insurance, extended warranties, and multi-shield protection covering mechanical repairs, roadside assistance, and physical damage coverage for financed vehicles.
Are there fees for using out-of-network ATMs?
No, our members receive fee rebates for transactions at 88,000+ Allpoint Network ATMs nationwide, with no additional charges for using non-Texas Tech CU ATMs.
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