Texasgulf Federal Credit Union

Texasgulf Federal Credit Union is a financial institution operating in Wharton County, Texas, serving members with banking, lending, and investment products. The business offers services such as checking accounts, savings, loans, and online banking, with locations in El Campo and Wharton. It is dedicated to providing competitive rates and personalized service to its members.

The credit union provides 12-Month IRA CDs at 4.05% APY and 60-Month IRA CDs at 3.50% APY as investment tools to help members save and grow wealth for retirement. These share certificates require a minimum of $500.00 to open and are available alongside regular IRA Shares.

Members can earn 6.00% APY on balances up to $20,000 if they qualify, which requires using their debit card at least 12 times per month and logging into online banking monthly. If qualifications are not met, the account earns 0.05% APY on the entire balance.

The credit union offers new or used vehicle loans with rates starting as low as 4.59% APR for terms up to 36 months, and up to 5.49% APR for terms up to 48 months. They also provide financing for new vehicles up to 84 months at rates starting as low as 6.75% APR.

The credit union operates two branches: one at 2101 N. Fulton St. in Wharton, TX 77488 with phone (979) 282-2300, and another at 1313 West Loop in El Campo, TX 77437 with phone (979) 578-9000. Both locations offer ATM services and personal assistance.

The 2026 holiday schedule includes closures on Presidents' Day (February 16th), Memorial Day (May 25th), Labor Day (September 7th), Columbus Day (October 12th), and Thanksgiving (November 26th & 27th). Christmas Eve closes at 1pm on December 24th, with full closure on December 25th.

To earn the maximum 6.00% APY, members must use their Texasgulf FCU Debit Card at least 12 times per month, sign up for eStatements, and log into Online Banking at least once per month. Failure to meet these qualifications results in a reduced rate of 0.05% APY.

Courtesy Pay covers insufficient transactions up to $500.00 for members who maintain their share draft account in good standing, though it is non-contractual and can be revoked. If an overdraft occurs, the account is still charged a standard $25.00 non-sufficient funds (NSF) fee.

Money Market Accounts require a minimum balance of $2,000.00 to open and earn dividends, while IRA Shares require a minimum of $500.00 to open an IRA Share Certificate. Regular IRA Shares have tiered rates based on balance, starting at 0.20% APY for balances between $0.01 and $4,999.99.

The business holds a Trustburn rating of 3.9 out of 5 based on 11 reviews. The rating split includes multiple 5-star and 4-star reviews alongside some 3-star ratings, reflecting generally positive feedback from members.

Personal loans are available at rates as low as 9.75%, while loans for other collateral like farm equipment, boats, or RVs range from 5.99% APR for up to 48 months to 7.75% APR for 49 to 72 months. Large collateral items require contacting the credit union for more information.

Members can opt out by speaking with a Financial Service Representative at either the Wharton or El Campo branch, or by calling the toll-free number 1-800-647-8428. Alternatively, they can email [email protected] with 'Courtesy Pay Opt-out' in the subject line.

The credit union offers mobile banking access, remote check deposit, fund transfers, and online bill pay through its app. Members can also add their Texasgulf card to a mobile device for contactless purchases and use the Android or iOS apps for account management.

The credit union provides a scholarship program designed to help members further their education and financial goals. This program is listed alongside other financial empowerment resources on their website.

The Member Care Team is available Monday through Friday from 8am to 5pm. After hours, members can access 24/7 live support through the Co-Op Shared Branch line at 1-888-837-6500 or the toll-free number 1-800-647-8428.