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Boost Your Savings

We are offering a special rate on our 6-month Share Certificate:

5.30% APY*


*APY = Annual Percentage Yield. APY is accurate July 1 - 31, 2024. The minimum balance to earn the advertised APY is $25,000 and $500 for all other Certificate terms. A penalty will be imposed for early withdrawal.

Check out all of our certificate rates >>

We've Lowered Auto Loan Rates

Get on the road faster with our new, lower car loan rates on most terms! Enjoy affordable payments and quick approvals. See your preapproved offer and rate in two minutes or less with no impact on your credit. Rates are as low as


5.99% APR*


*APR = Annual Percentage Rate. Rates are effective June 24, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates, terms, and offer are subject to change without prior notice; other restrictions may apply. In-house refinances are not eligible. Auto rates are eligible for protection product discounts. Discounts vary by protection product. The lowest discounted rate with the purchase of protection products is 5.99% APR (up to 60 months). The rate applies to 2009 – 2024 model-year vehicles. Payment per $1,000 is approximately $19.33 per month for 60 months at 5.99% APR.

See your preapproved offer now >>

TIP: Because Home Equity Loans and Home Equity Lines of Credit (HELOCs) are secured loans, the rates are typically lower than unsecured loans, like credit cards. This makes them great options for home improvements, consolidating debt, and more.

Learn more about a Home Equity Loan >>
Learn more about a HELOC >>

Fee Change for Payments via Call Center and Loan Payment Center

Effective August 1, 2024, all loan payments made via our Loan Payment Center or our Call Center will be charged $8.50 per loan payment.


Also, payments will no longer post on the same day, but in two to three business days as an ACH payment. Please plan the timing of your payments accordingly to avoid a late payment fee.


First-Time Homebuyers Can Get Up to $5,250

Give your budget a break with our Purchase Plus mortgage program. You can pay less out of pocket for down payment and closing costs. And, you can combine Purchase Plus with gifts and other acceptable sources of funds.


Let us help you overcome any financial challenges you may be facing to put homeownership within your reach!

Contact us to learn more >>

Enjoy Cash Back when You Shop Online

Shop and save this summer with Ultimate Checking! Get cash rewards and discounts when you buy from thousands of retailers, theme parks, and travel providers.


Already have Ultimate Checking? Simply visit the Member Portal or download the free app for your iPhone or Android device to get started today! Contact us for the code to activate all the benefits of this value-packed account!


Note: Requires registration and activation. Available online only.

Learn more about Ultimate Checking >>

2024 Scholarship Winners

We had the pleasure of awarding $1,000 renewable college scholarships to four exceptional high school graduates at our Annual Membership Meeting on May 17, 2024.

Let's introduce our winners >>
Annual Meeting Recap

The 69th Annual Membership Meeting was on Friday, May 17, 2024, at the San Antonio Firefighters Banquet Hall.

Here's a review of the event >>

Spaving: A Fine Line Between Savings and Overspending

As online shopping continues to dominate the marketplace, one tactic that is hard to overcome is “spaving,” a relatively new term coined to describe “buy more, save more” sales tactics.

Learn more about spaving here >>

What Members are Saying...

"Opened a couple of accounts. Loved the 'small-town feel' atmosphere with the large financial institution services and products experience. Plus, I was treated like family. Looking to do more business with UTXCU."


Nohemi V., member since 2024

Login to your account >>
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210.561.4500
1.800.531.8456