Credit Unions in San Antonio, TX
Credit Unions in San Antonio, TX: 112 branches on record from 22 federally insured institutions, spread over 42 ZIP codes. Addresses come straight from the federal branch files.
What the branch files show in San Antonio, TX
San Antonio has 112 credit union branches on file across 22 institutions, and Security Service Credit Union accounts for 21 of them (19% of the city’s total). 8 of those institutions keep a single office here. 18 are headquartered inside Texas.
The records carry 112 street addresses and 0 mapped coordinates. Branch ZIP codes on file: 78201, 78202, 78205, 78208, 78209, 78212, 78213, 78214, 78215, 78216, 78217, 78218 and 30 more.
Security Service Credit Union, Credit Human Credit Union, Firstmark Credit Union, Generations Community Credit Union, Soarion Credit Union, Baptist Credit Union, River City Credit Union, Select Credit Union, Southwest Research Center Credit Union, Synergy Credit Union, Alamo City Credit Union, City Public Service/Ibew Credit Union, H E B Credit Union, Texas Associations Of Professionals Credit Union are headquartered in San Antonio itself, so decisions on local lending are made in town rather than out of state.
The institutions serving San Antonio were chartered between 1932 and 1989.
The federal files list addresses, not opening hours, so we do not publish hours for these branches. Check the institution’s own branch page before travelling.
Primary sources
- NCUA — Quarterly Call Report FOICU/FS220 files (CU_NUMBER key) · observed quarterly call reports, 2026 Q1
Institution records as of 2026-03-31.
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Frequently asked questions
Can anyone join a credit union?
Not automatically. Each one has a field of membership, though many now include a low-cost association route that opens eligibility to anyone.
Are credit union deposits insured?
Federally insured credit unions are covered by the NCUA Share Insurance Fund to $250,000 per member, per ownership category.
What the credit unions in San Antonio figures actually show
Every figure on this page for San Antonio, TX is a median, not an average, which matters more than it sounds.
A median is the midpoint: half of the local market sits above it and half below. Averages get dragged around by a handful of extreme values — one very expensive property, one unusually large loan, one graduate earning far more than their classmates — so a median is the safer number to plan against. Locations on record of 112 and institutions represented of 22.
They describe the middle of the market, so they are a starting point for picking a branch or an institution to bank with and nothing more. Anyone quoting you a number will be pricing your file, not the median.
What these numbers mean for people choosing where to open an account
Context does most of the work here. A number is only high or low next to something else, so we publish San Antonio, TX and how it sits inside Texas against a wider benchmark on the same measure. State of Texas.
A difference of a few percent is inside the survey's own margin of error. A difference of a quarter or more is real, and it normally reflects the housing mix, the dominant local industries, or how much of the population is retired rather than working.
The useful habit is to pair every figure with the cost it has to cover. Income against rent, loan size against income, price against what the same money buys one county over.
Where San Antonio, TX sits against the wider market
Comparison is the fastest way to tell a genuinely unusual local market from an ordinary one. We benchmark San Antonio, TX against Texas and against the national picture on the same definitions, in the same period, so the difference you see is a real difference rather than an artefact of two datasets disagreeing.
Definitions matter as much as the numbers. Two sources can both publish a "median rent" and mean different things — one including utilities, one not; one covering every unit, one only those recently let. Mixing them produces gaps that look meaningful and are not.
When the underlying sample is too small for a reliable estimate, we publish nothing for that measure rather than modelling a plausible-looking figure. Fewer numbers you can trust beats more you cannot.
What to check before you commit
None of this needs a spreadsheet. It needs the discipline of checking the same handful of things every time, whether you are picking a branch or an institution to bank with for the first time or the fifth.
- Verify the branch is still open and staffed before you travel; registers lag closures by a quarter or more.
- Check whether deposit insurance covers your full balance, and how joint accounts change that limit.
- Check the fee schedule and the fine print, not the headline rate — that is where the real cost usually hides.
- Ask what the number looks like in a bad year, not an average one, and make sure the plan still holds.
- Write down the monthly number you can genuinely cover, not the maximum a lender or admissions office says you qualify for.
- Compare at least three offers. Pricing on the same product varies more between providers than most people expect, and the gap is yours to keep.
Frequently asked questions about San Antonio, TX
How current is the credit unions in San Antonio data?
The figures come from the most recent release of the FDIC office file and the NCUA credit union branch file, and we refresh the page when a new one is published. Public datasets run a reporting lag of several months to two years, so the latest available period is not the same as today.
Why does another site show a different number for San Antonio, TX?
Almost always because it is measuring something slightly different, or using an earlier release. Check the definition and the period before assuming one of the two is wrong; federal branch and office registers publish several near-identical measures with meaningfully different scopes.
Can I use this for picking a branch or an institution to bank with?
As a benchmark, yes — it tells you whether an offer or an asking price is normal for this local market. As a substitute for your own quote or estimate, no. Locations on record of 112.
Method and limitations
The page is assembled from federal branch and office registers, specifically the FDIC office file and the NCUA credit union branch file. Nothing here is modelled from a proprietary black box: every figure traces to a published record, and where we derive a ratio we show both inputs so the arithmetic can be checked.
The limits are the usual three: sampling error grows as geography shrinks, published data always trails reality by months or years, and a midpoint says nothing about the extremes at either end of the local market.
Where a source revises a figure, the revised value replaces the old one rather than sitting alongside it, so the page always reflects the current official position. If you spot a number that looks wrong, it is worth telling us — corrections get made against the source record, not by guesswork.
Other cities in Texas
Methodology
The 112 branches listed for San Antonio come from the federal branch files, filtered to San Antonio, TX and matched to the 22 institutions we hold profiles for.
112 of the 112 San Antonio records carry a street address and 0 carry coordinates, which is how the 0-mile spread and the ZIP list above are worked out.
Security Service Credit Union is the largest presence in San Antonio with 21 of the 112 branches; figures per institution are on its own profile page.
Sources: FDIC institution and office files; NCUA call report. American Community Survey 5-year estimates, 2022.