Community Resource Credit Union

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Home is Where Your Next
Big Idea Starts

From kitchen remodels to college tuition—or just chasing that next big dream—your home’s equity can help you get there. With a CRCU Home Equity Loan, you’ll enjoy competitive rates, flexible terms, and a process that feels as comfortable as home.

     

    


   

  
 
 

50 Years of Trust: John & Carolyn James’ CRCU Member Journey

A heartfelt testimonial from longtime members John and Carolyn James, reflecting on over 50 years of trust, service, and community with CRCU.



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Hit the Road Now, Pay Later

With a CRCU auto loan, you’ll enjoy low rates, flexible terms, and no payments for 90 days. Whether you're buying new, used, or refinancing, we’ll help you cruise into your next ride with confidence—and keep your cash in your pocket a little longer. 

 

     

Drive Now, Pay Later

    

    


   

  
 
 
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A man and woman sitting next to each other with the 90th anniversary CRCU badge.


 

 





Refer & Earn Up to $90 + a Chance to Win $900!

Invite your friends and family to CRCU and earn up to $90*. But that's not all - every referral is a chance to WIN $900**! There's no limit how much you can earn or how many chances you have to win. Start referring today!


     

    


   

  
 
 

Big Dreams Start with Better Rates

Apply for a Loan
1Annual Percentage Rate (APR)
2Annual Percentage Yield (APY)

AUTO

 APR1 as low as

4.49%

Certificate

 APY2 as high as

4.25%

home equity

 APR1 as low as

6.37%

credit card

 APR1 as low as

14.49%

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EXPLORE OUR OFFERINGS AND PROMOTIONS

Save for Life’s Adventures – Even the Furry Ones!
 
From furry friends to future adventures, our 12-month CD helps you save for what matters most. With a competitive rate of 4.25% APY and guaranteed returns, it’s a smart way to grow your savings—while planning for all of life’s little moments.
 

Start saving today—your future (and your pup) will thank you!

Pick Up the Tab with Confidence (and Perks)

From dinner with friends to everyday spending, CRCU has a credit card that fits your lifestyle. With no annual fees, great rates, and rewarding features, you’ll feel good swiping, tapping, or splitting the bill.


 

Discover the Car That's Right for You!

 

Shop with confidence and find your perfect ride today. Locate a preferred dealer representative online and enjoy a no-hassle and no-haggle car buying experience. 

Let’s Crush Your Money Goals

Big dreams? Small wins? We’re here for it all. Whether you're thinking about buying a home, planning for college, or looking ahead to retirement, CRCU has your back with free online financial tools to help you get started.

Check out bite-sized learning modules on:

  • Considering Home Ownership
  • Investing In Your Future
  • College & Beyond
  • Retirement 101 
 
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COMMUNITY IMPACT

Our employees and members are dedicated to helping our local communities.

1935

YEAR FOUNDED

$11,970,430

DIVIDENDS PAID OUT
in 2024

567

VOLUNTEER HOURS
in 2024

$193,440

MONEY DONATED
in 2024

NEWS, ARTICLES & ALERTS

april is financial Literacy Month

Understanding how to budget, save, and invest is key to financial success. This Financial Literacy Month, take the opportunity to strengthen your money management skills and build a more secure future.


2025 Annual Meeting Wrap Up

At the 2025 Annual Meeting, CRCU celebrated 90 years of service, honored former CEO Russell Ballard, and shared exciting updates on the credit union’s continued growth.

CRCU Featured on Galveston Bay BIZcast

Catch our team in the debut episode of a new business-focused podcast featuring insights from across the Galveston Bay area. Click to watch the full episode and see CRCU in action.

 



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"CRCU has been amazing to our family over the last 8 years.  The credit union is always accommodating and goes above and beyond to meet our needs. As a teacher, I also appreciate CRCU’s involvement in the community."

Sean & Mallory W.
Members since 2012


"Have been banking with this credit union for years... The people are friendly, the services are great and the web site is one of my favorites. These remarkable folks are always supporting their community & finding ways to give back. I love being part of my local credit union."
Bonita C.

"Five star service and their dedication to community involvement is second to none. CRCU has set the bar high for all the rest."
Carol B.
"There have always been people here to help out in certain situations. It can feel like you're working with family. They don't treat you like just another number; they genuinely care and work to get you where you need to be. They offer great incentives, good rates, and most importantly, they genuinely care. You won’t find that kind of personal connection anywhere else."
 
Sydney K.
Member Since 1994
"Recently chatted with Tina Martinez at the Baytown Business Expo and I’m truly proud to be a member of CRCU. Their continuous commitment and involvement in our community, as well as service as
a financial institution, make them top notch and a valuable asset to
our city."
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Membership photo of Bonita Curette
Member photo of Carol Bell
CRCU member, Sydney K.
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