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Before first mortgage rates start to rise, lock yourself in. For years it has been the general consensus that to buy a home you need to have 20% down and a good-to-excellent credit history. But in today’s market you actually don’t have to have a large down payment or great credit in order to refinance or purchase a home with competitive market terms. Here are the general guidelines for what most processors in the mortgage industry utilize for analysis of your credit score:

740- 800 Outstanding, 720-740 Great, 700-720 Good, 680-700 Mediocre, and 620-680 Less than perfect, but approvable. Conventional 30 Year Fixed Rate Loan Rates are as low as 3.90% APR (Annual Percentage Rate) and 15 Year Fixed Rate Loan Rates are as low as 3.27% APR. Qualify for either of these loans during July and we’ll contribute the following at closing, Loan amount $100,000 and greater, $500; $250,000 and greater, $750; $400,000 and greater, $1,000.

Call our designated Loan Officer, Mr. Ryan Pascal, CU Members Mortgage today, 972-851-6086, or 1-800-607-3474 extension 3226 to see how much you qualify for. Or you can email him ryanp@homeloancu.com. Tell Ryan you’re with Texas Telcom Credit Union. Visit www.homeloancu.com for more information including an application. Let us refinance your loan not currently with TTCU or put you in a new home for less before the end of summer!


Have You Got Your Apps Yet?

It’s here! The brand new Texas Telcom Credit Union app is ready for download today!!

With the new app* you can:

  • Check account balances
  • View recent transactions
  • Transfer funds between accounts
  • Pay bills with E-Pay
  • Find Free ATMs and
  • Shared Branch locations

    iPhone iPad Android

    * Please use your established login and password to access your account through the TTCU app. If you have not accessed your account online previously, your login is your member number and your initial password is the last four digits of your primary phone number. As always, if you need assistance in getting set up, please contact us at 214-320-8818.


    Free Mobile Deposits are also available through the Sprig by CO-OP app! Using your iPhone or Android, you may now deposit your checks into your TTCU account!

  • For Sale

    2.25% APY Enhanced Checking Available Now

    To go along with our forthcoming technology Upgrade 2014, we’ve improved our checking accounts to better serve you! We’ve got three types now, all designed with you in mind. Our traditional Free Checking - no minimum balance, no monthly service charge and no monthly dividend. Our Free Boomer Checking has a $5,000 minimum balance, no monthly service charge and a 0.50% APY. The Free Boomer Checking is designed as a low transaction, retirement-style account. Our Enhanced Checking can earn you an excellent monthly dividend of 2.25% APY. Take a look at these qualifying features; minimum opening balance $100, no minimum balance requirement, $5,000 maximum balance, e-statement and email address required, a minimum monthly direct deposit of $250, and 15 VISA® Check Card transactions per month. A non-qualified enhanced Checking account earns a 0.05% APY dividend. We can transfer your traditional Checking or Boomer Checking to enhanced Checking at your request. Take advantage of this new product today!


    Make Your Loan Payment Online

    It’s quick and easy using POPMONEY! Simply set up a login and password for POPMONEY, and you can use your debit card or checking account from another institution to make a payment or deposit to your Texas Telcom account. Send funds via POPMONEY to textelcu@textelcu.org and BE SURE TO INCLUDE YOUR TTCU ACCOUNT NUMBER.


    Updated Privacy Policy

    We've updated our Privacy Policy with additonal information.

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