Credit union · NCUA insured
Members First Credit Union
A $190.7M credit union headquartered in Corpus Christi, TX, with 12,657 members and 4 branches in Texas. Best rates: CDs 3.56% and savings 0.50% APY.
Members First Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#12 of 21 in Corpus Christi, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members First Credit Union
Founded in 1938 as Corpus Christi Telco Credit Union, Members First Credit Union has served South Texas for decades.
The credit union is a member-owned, not-for-profit cooperative governed by an unpaid, volunteer board elected by its members.
- Headquarters
- 5444 S Staples St, Corpus Christi, TX 78411
- NCUA charter
- 67658
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live in either Nueces County or Cameron County.
- Eligibility is open to individuals who work in either Nueces County or Cameron County.
Family and household
- Eligibility is open via Existing Family Member Referral.
Branches
4 branches in Texas
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Texas
4 branches
Corpus Christi area · 3
- Main OfficeMain office5444 S Staples St, Corpus Christi, TX 78411Directions
- SPID Branch1430 S Padre Island Dr, Corpus Christi, TX 78416Directions
- Violet Branch11166 Up River Rd, Corpus Christi, TX 78410Directions
Brownsville area · 1
- Harlingen Branch722 S Loop 499, Harlingen, TX 78550Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 24.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.04% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio24.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.04%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.