One of the
most reliable aspects of today’s economic and cultural environment is
change. Typically, we humans have the capacity to embrace and accept
slow, incremental change. However, when change is viewed as unintended,
abrupt, and/or unexpected, reactions to it can be quite extreme and
severe. Further, our various “life and career paths” can fluctuate the
speed in which we adapt to different environmental, financial, or
cultural adjustments; and our “self-view” can greatly affect our
physical and mental outlook about the future. Although we likely can’t
help every member resolve all their immediate financial concerns,
InTouch Credit Union is here to help members mitigate and adapt to
unexpected changes in their economic and financial circumstances. If
anyone finds themselves apprehensive about their current financial status, try following one or more of the steps below.
First, try to relax and breathe. There are few situations where more anxiety helps to produce better results. Try to remember that your current predicament may be new to you, but more likely than not, the Credit Union has assisted other members in similar situations. We can’t guarantee a positive solution or outcome in every situation, but we have helped many members over our 50+ years of service get through some trying times.
Next, “purchase patience versus rushed emotional decisions” typically improves the quality of future financial options, similar to knowing the difference between a “need” and a “want.” In today’s instant gratification society, slowing down to think about purchase decisions along with financial priorities can be greatly beneficial. More importantly, making every attempt to keep your “financial” word is a key factor in the positive creation and maintenance of your personal “financial brand.” When funds are tight, the ability to understand the negative consequences certain short-term purchases can make to “keeping up appearances and lifestyle choices,” thereby causing you to break existing promises and your “financial word,” will definitely be worth the effort and/or sacrifice. Several credible studies have shown that consumers that keep their financial commitments as promised save between $125,000 and $500,000 in lower borrowing costs and interest payments over their lifetimes.
Lastly, why worry about things of which we have no control? For example, we can’t speed up or slow down our next birthday from arriving, nor can we know exactly how much rain will fall next week (if any). In fact, a few sage prophetic words come to mind…“Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own."
Opportunities frequently appear to become available when the focus is on today and the financial decisions we DO control, and the Credit Union is here to help you through uncertain financial times!
Competitive lending rates. Checking accounts for all ages. Small business services. There’s a lot to love about ITCU and the perks you can enjoy with your membership. Now, we want to show our appreciation and reward you when you share your love of ITCU!
Look for a new prompt in the bottom left corner of the InTouch website inviting you to “Refer a Friend” (or family member)– We’re not just thanking members with our words, we’re putting our money where our mouth is and rewarding members that refer us to their friends and families $25 for each one that opens a qualifying ITCU checking account.* They will each also earn $25 when they complete the account opening requirements.
The process is simple, and as long you know your friend’s or family member’s email address, you can get started in less than a minute! Your referred members get to enjoy the perks and benefits of an ITCU membership and you get a $25 Mastercard® gift card! (That means if you successfully refer six members, you’ll earn $150 in gift cards while each referred member will earn a $25 gift card of their own.)
At ITCU, we’ve always loved our members but now we can do more than just say it. Share the love and we’ll share the dough!
(*Complete requirements may be found on our website here.)
It’s a conversation that not everyone looks forward to having: Has the time come to upgrade your car? Aside from the costs, the searching and the headaches, it’s especially tough if you’ve given your car a name. How are you going to come to terms with replacing Herbie or Christine or whatever name you’ve given your current ride? Put those concerns aside because ITCU's got you covered!
Right now, we’re offering an auto loan opportunity1 that’s tough to beat:
Yep, you read that correctly; that’s two full months without having to worry about a car payment! Already have a vehicle in mind? Awesome—you can apply right away and get things rolling.
But if you’re still browsing? No worries. Before you apply online, check out the InTouch Auto Finder—it’s like your personal car shopping assistant. You can search real-time inventory from dealerships all over the country, narrow down your options, go on a "virtual test drive," and more. It makes finding the perfect car super easy (and actually kinda fun).
Whether you're shopping now or just starting your search, take advantage of this limited-time offer while it lasts. It only takes a few minutes to apply, and you could be cruising in your new (or new-to-you) car before you know it. (By the way, we also offer competitive mechanical breakdown policies, GAP, and discounted auto insurance through two great partnerships. Click here for more information.)
Ready to hit the road?
(1Loans subject to approval and rates subject to change; not all vehicles may qualify for this offer – click here for complete details. 2APR is Annual Percentage Yield.)
Rewards programs can over-promise and under-deliver, but did you know ITCU debit and rewards credit cardholders have access to a rewards platform that emphasizes choices? You can choose to redeem points for gift cards, apply earned points towards your Amazon.com purchases, or even cash back.
You choose when you use uChoose Rewards®1!
But to choose those rewards, you’ve got to earn points, and that’s as easy as opening a checking, enrolling your new debit card in the uChoose program, and tapping or swiping your card for purchases. From filling up with gas to finalizing your utility bills for the month, each qualifying transaction will earn points. Current point payouts are as follows:
| Card Type | Points per $1 Spent: |
|---|---|
| Debit Card (Consumer/Business) | 0.5 |
| Platinum Rewards Credit Card | 1 |
| connect! Credit Card | 1.75 |
| Business Rewards Credit Card | 2 up to 50K annually (1 thereafter) |
And we know what you’re thinking, and yes, you absolutely can: If you have an ITCU checking account with a free debit card and ITCU rewards credit card, you can enroll both cards and combine their points in uChoose Rewards!
Enrolling in uChoose Rewards is free and the choice is yours for what to redeem your points for. Choose to use uChoose Rewards and start earning points today!
(Need a debit card or looking to open an ITCU connect! Credit Card Mastercard®3? Visit our Contact Us page or reach out to our staff at 800 337-3328 for assistance.)
(1uChoose Rewards is a registered trademark of Fiserv, Inc. Not applicable to HSA debit cards or ATM cards 2No longer offered. 3Subject to credit approval.)
Pitstops and tourist traps are two of the most common impromptu destinations on any road trip, but there’s a third one that can provide additional benefits aside from a bathroom break and a souvenir T-shirt.
With more than 5,000 participating locations and 30,000 surcharge-free ATMs around the nation, you’re never too far away from Shared Branching services. You’ll be able to make deposits/withdrawals, complete transfers and more at any participating Shared Branch just like you would at your local ITCU.
(For additional information, please visit https://www.itcu.org/locator to take advantage of our Shared Branch Locator Tool to find the nearest branch or ATM near you.)
Effective Tuesday, July 1, 2025: The amount made immediately available on checks not subject to next day availability will increase from $225 to $275. It will increase from $5,525 to $6,725 for exception holds on large deposits, new accounts, and for the threshold for determining a repeat overdraft. An updated Funds Availability policy will be available on our website, at www.itcu.org
If you have a problem with services provided by this credit union, please contact us at: InTouch Credit Union, P.O. Box 250169, Plano, Texas 75025; Telephone: (800) 337-3328; Email: [email protected].
The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278; email: [email protected]. Website: www.cud.texas.gov.
Perform at least one financial transaction per year to keep your accounts from becoming dormant, therefore avoiding the account escheatment process. Per applicable state law, dormant accounts must be escheated to the state treasury department as unclaimed property. Don’t allow this to happen to your accounts! Perform at least one simple financial transaction (e.g., deposit, withdrawal, transfer, etc.) each year to keep your account active!
We care about your privacy. Our privacy policy explains how we collect, use and safeguard your personal information.
InTouch Credit Union depends on talented, non-paid volunteers to help govern the institution. If you would like to be considered for a volunteer role, please contact Barb Holman, at (214) 291-1776, or [email protected], for a volunteer application and information packet.
