united savers trust credit union


United Savers Trust Credit Union has been in business since 1952. We now have a membership of more that 1100 and assets of $7.5 million. We welcome members from all professions. The benefits of the Credit Union's services are available to your employees at no cost to your company. It is our intention to offer your employees a full range of financial services, with the added benefit of credit union ownership. All credit union members have the opportunity to be involved in the establishment and implementation of credit union policy, and indeed, our Board of Directors is elected from the general membership of our credit union.


Loan Products

Click to see a brief description

Christmas Club Loan

Vehicle Loans
Visa Credit Card
Share or Certificate Loans

Recreational Loans

Appliance Loans

Lawn & Garden Loans

Home Entertainment Loans



Checking Accounts*

*No Annual Fee

Visa Accounts

Payroll Deduction Direct Deposit Free

Notary Services

Money Market Accounts

Savings Accounts

Nada Used Car Price List

New Car Dealer Price List

Bank Wire Transfers

Financial Counseling/Planning Credit Life and Disability Insurance

Christmas Club/Vacation Club Virtual Branch - Online Banking Preapproved Loans

Visa Debit Card

Western Union Wires

Family Memberships

Toll-Free 800 Phone Line

Website Available for Rates and Fees

CheckFree (bill pay)

GAP Insurance on Loans


Holiday Schedule

Good Friday - April 3

Memorial Day - May 25

Independence Day - July 6

Labor Day - Sept. 7

Veterans - Nov. 11

Thanksgiving - Nov. 26

Thanksgiving - Nov. 27

Christmas Eve - Dec. 24

Christmas Day - Dec. 25

GL Close - Dec. 31

New Year’s Day - Jan. 1

About Us




United Savers Trust Credit Union was organized in April 1952, to provide competitive savings and loan programs to employees of Crutcher Resources.

Today membership is open to corporations, associations and organizations within ten mile radius of the Credit Union. Today we have members from all occupations stemming from our philosophy, "once a member, always a member." Family members of USTCU members may also join the Credit Union and take advantage of the many great services we offer.

At USTCU, our primary goal is to anticipate and meet our members needs with the most complete line of financial services available. You will discover that membership in the Credit Union offers an array of unique advantages for both you and your family. Call us today at (713) 462-5552 or (800) 367-4992 for additional information. You will see why you can always count on us to be here with the most up-to-date financial services and professional assistance.

Here are just a few benefits of belonging to USTCU:

  • We offer convenient new and used auto loans, and other types of loans at low interest rates. That means less stress and more savings for you.

  • All loans can be paid through easy payroll deduction. No trips to the bank, no checks to write, no payment vouchers to mail, no deadlines to worry about, and no late charges.

  • You can save through payroll deduction too. Tell us how much money you want deducted from your paycheck, and it automatically adds up in your Share, IRA, or Time Share account. earning dividends at rates competitive with other financial institutions. No more tug-of-war between saving and spending when you cash your paycheck.

  • Each of your share accounts is insured up to $250,000 by the National Credit Union Administration, an independent agency under the executive branch of the federal government.

  • Quick processing of loan applications and fast answers to your questions are just part of our streamlined, competitive services.


In the course of doing business with our members, we collect personal information that is necessary to provide our members with our services. We treat this information as confidential.

Protecting the information of our members is important to us. We restrict access to personal information to those employees, who provide our members with our services, and thus require those employees to protect and keep confidential all such information that they might learn. We maintain physical, electronic, and procedural safeguards that comply with Federal regulations to guard all nonpublic personal information.

We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties, except as permitted by law.

We will continue to provide any information that our members request of us, in writing, to any third party they should so designate.

We will provide an annual notice al least once in any period of 12 consecutive months during the continuation of the member relationship. Any credit union member may receive a copy of this notice of privacy practices by contacting the credit union.

Documents Available to Members: Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:

  • balance sheet and income statement - the non-confidential pages of the latest call report may be given to meet this requirement

  • a summary of the most recent annual audit completed in accordance with 91.516 of this chapter relating to Audits and Verifications

  • written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof; and

  • Internal Revenue Service Service Form


CHRISTMAS CLUB LOAN (back to list of loan products)

Need a little extra cash for the holidays? Christmas Loans are not available! Call the credit union for details.


QWICKCASH (back to list of loan products)

QWICKCASH was created as an emergency type loan for members who NEED the money, but have limited access to financing. Instead of reviewing a credit rating or debt level, a person's relationship with USTCU will be reviewed as well as job longevity. This loan program does require direct deposit to your USTCU account. In reference to direct deposit, we require at least 60% of your gross paycheck to be electronically deposited.


PAL - Preapproved Line of Credit (back to list of loan products)

Tired of applying for loans? A line of credit is a revolving loan that allows you to continuously borrow off an existing loan up to your credit limit. In addition to being able to borrow the money ANY time, a line of credit allows you the convenience of overdraft protection on your share draft account if you choose this added option.


VEHICLE LOANS (back to list of loan products)

Are you in the market for an automobile, truck, motorcycle, boat, or trailer? Or maybe you want to refinance your vehicle at a lower interest rate? Submit an application for pre-approval so that all you have to worry about is what color car and options you want. Click here for vehicle pricing.

Credit Union Advantages

  • No pre-payment penalties.
  • A financing institution you can trust.
  • Carfax report ($5 fee).
  • Personalized service.
  • Low cost GAP, Credit Life, and Credit Disability Insurance available.
  • Optional payroll deduction loan payments.

*Certain conditions apply. Speak with a loan officer for more details.


SHARE OR CERTIFICATE LOANS (back to list of loan products)

Do you need access to money in a Certificate of Deposit? Share secured loans are loans made against money on deposit in your credit union account, such as CD's, Super Shares, and Secondary Shares. This is a great way to re-build your credit or to establish new credit. Share secured credit cards are also available.


  • Much lower interest rate.
  • Access to money on deposit without paying a penalty.
  • A "safe" loan that keeps your credit in good standing.
  • The convenience of borrowing without using your regular shares.


VISA AND VISA GOLD (back to list of loan products)

Have you ever needed to make a hotel reservation or rent a car? If so, you probably needed a credit card. United Savers Trust Credit Union offers both unsecured and secured credit cards with low interest rates, no annual fee and around the clock purchase ability.

Get Clicking - Now you can have secure, online access to your UNITED SAVERS TRUST CREDIT UNION Credit Card from home or work, anytime you want. Announcing GoToMyCard, a new service we are bringing to our members. It's fast, easy, and best of all it's FREE! View your account balance, available credit, recent transactions, and more. We know you care about security, and we do too. GoToMyCard has Secured Socket Layer (SSL) technology with 128-bit encryption to ensure security.


RECREATIONAL LOANS (back to list of loan products)

When the week is over and it's time to play, what moves you? Do you take to the open road, or even go off-road with friends?

Our Recreational Loans are not the same as a personal loan. You can use it for RVs, ATVs, UTVs, Jet Skis and more—at a lower rate, so they're more affordable.


APPLIANCE LOANS (back to list of loan products)

If you need a new Appliance, call us today! We have an unbeatable low rate and great terms. Call one of our Loan Officers today!


HOME & GARDEN LOANS (back to list of loan products)

So you found the lawn equipment of your dreams, but you need a loan to make it yours? No problem! We've got great financing programs available for virtually all makes and models.

HOME ENTERTAINMENT LOANS (back to list of loan products)

So you found the lawn equipment of your dreams, but you need a loan to make it yours? No problem! We've got great financing programs available for virtually all makes and models.