RANKING & REVIEWS
TOP RANKING BANKS & CREDIT UNIONS IN DALLAS, TX


Review of the 7 Best Dallas Banks & Credit Unions to Trust with Your Money (Plus 2 to Avoid)

Dallas, Texas is part of the Dallas-Fort Worth metroplex, which is the fourth largest metropolitan area in the U.S. Because the two cities are so close, if you’re looking for credit unions or banks in Dallas, TX, you’ll want to consider banks in Fort Worth, TX too.

The city is home to the famous Dallas Cowboys NFL team, 18 Fortune 500 companies, and 18 billionaries listed on Forbes Magazine’s richest people list. There are also plenty of the best Dallas credit union or bank options here that were born and raised in the “Big D.”

Award Emblem: Best 7 Banks & Credit Unions in Dallas, TX

Our top 7 best banks and best credit unions in Dallas, Texas will take a look at many of those community banks in the Dallas-Fort Worth area, plus a few of the larger bank choices.

We’ll go through highlights of what makes each of the credit unions or banks Dallas, TX offers special. For those that we feel are lacking, we’ll mention what they could do to improve and win your business.



Top 7 Best Credit Unions & Banks in Dallas, TX (Plus 2 to Avoid) | Brief Comparison & Ranking

Dallas Credit Union or Bank

Ratings

Bank of Texas

5

City Credit Union

5

Credit Union of Texas

5

Texans Credit Union

5

Fort Worth Community Credit Union

3

North Dallas Bank & Trust Co.

3

Veritex Community Bank

3

Citi

1

Dallas Credit Union

1

Table: Top 7 best Dallas Banks & Credit Unions (Plus 2 to Avoid) | Above list is sorted by rating



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Detailed Review – Top Ranking Best Credit Unions & Banks in Dallas, TX

Below, please find a detailed review of each firm on our list of best Dallas credit union or bank. We have highlighted some of the factors that allowed each bank or credit union in Dallas, Texas to score so highly in our selection ranking.

Click on any of the names below to go directly to the review section for that firm.



Bank of Texas Review


The happy “Good Morning” greeting (if you sign on in the AM) and the clean, easy to navigate website at Bank of Texas caught our eye right away. This is one of the banks in Dallas, Texas that makes you feel good by just navigating their website.

They’re part of BOK Financial, a top 25 U.S.-based bank, yet this is also one of the banks in Dallas that keeps their homegrown feel. They make it clear that community connections, from hiring local talent to supporing local charities, are important to them.

Best Bank of Texas Services at a Glance:

  • 8 locations in Dallas, TX & surrounding areas
  • Personal checking & savings
  • Online banking with mobile alerts
  • Retirement planning services
  • Home & auto loans
  • Better Business Bureau A+ rating

Highlights That Make Bank of Texas Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Personalized Banking for Your Life

Banking needs change according to your stage in life. Bank of Texas is one of the banks Dallas, Texas has that caters to your personalized banking needs. Whether you’re in your 20’s, just starting out, or in your 40’s and in family future planning mode, they make your life a priority.

Long Live Your Money™

This is one of the best Dallas banks to use if you want a road map with tools to help you manage and growth your money.

Their “Long Live Your Money™” tagline is a promise they make to their business and personal banking customers, and they give you access to tools and advice to help make it happen.

Rating Summary

We ranked Bank of Texas a 5 on our best banks and best credit unions in Dallas for their continuous effort in providing personalized banking services.

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Citi Review


The next bank in our Dallas, TX ranking is one that we feel you’ll want to avoid until they clean up their customer service rating a bit. We were initially looking into Associates National Bank in Dallas, TX and found they’d been acquired by Citi. Both have less than stellar reputations.

Citi Bank in Dallas, Texas Services at a Glance:

  • 50 ATMs only in Dallas, TX & surrounding areas
  • Credit cards with rewards and cash back options
  • Online & mobile banking
  • Investment products
  • Personal loans & lines of credit
  • Better Business Bureau F rating

How Citi Can Improve Their Standing Among the Best Dallas Banks

Serious Reputation Management

Having an “F” rating at the Better Business Bureau keeps most people from trusting banks in Fort Worth, TX, Dallas, or any other city in the country. Citi needs to address their poor customer service and clean up their reputation in order to be reconsidered for a higher ranking in the future.

Related: BankUnited (Ranking & Review)



City Credit Union Review


From its humble beginnings in 1942, being started with just $50 in deposits, to now having over $400 million in assets and serving 42,000 members, City Credit Union has shown that is has the staying power to be one of the best credit unions in Dallas.

Like many credit unions across the country who’ve opened up their membership requirements, it’s fairly easy to qualify. You only need to live, work, worship, or attend school in Dallas, Rockwall, Ellis, Grayson, or Cooke counties to qualify for this credit union in Dallas, Texas.

Best City Credit Union Services at a Glance:

  • 7 locations in Dallas, TX & surrounding areas
  • Savings & CDs
  • Home & auto insurance
  • Advantage checking account with identity theft monitoring
  • Free financial counseling & education classes
  • Better Business Bureau A+ rating

Highlights That Make City Credit Union Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Checking with Identity Theft Monitoring

City Credit Union has some great checking account options. You can choose a basic free checking account or, for just a $5 monthly fee, get their fully loaded Advantage Checking. It includes great bonus features like:

  • Identity theft monitoring
  • Cellular telephone protection
  • Accidental Death & Dismemberment insurance
  • Discount travel membership
  • Health savings discounts
  • and more

Free Financial Counseling

If you’re looking for some financial counseling on saving for retirement or how to pay off your debt faster, this is one of the best credit unions in Dallas to go to. They offer free financial advice and classes both to members and non-members.

Rating Summary

While not as flashy as some of the other best Dallas banks & credit unions, City Credit Union has some excellent products and services they offer to their members which earned them a 5 rating.

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Credit Union of Texas Review


Credit Union of Texas, also known as CUTX, was started in 1931 by a group of Dallas teachers. It now ranks as one of the top 100 credit unions in the U.S. and is one of the best credit unions in Dallas, Texas to trust with your money.

They serve 137,000 members sprinkled throughout all 50 states. CUTX also actively sponsors community and national charities, such as the DFW Humane Society and Children’s Miracle Network.

Credit Union of Texas Services at a Glance:

  • 12 locations in Dallas, TX & surrounding areas
  • Low rates on auto loans
  • Flexible checking & account management
  • Savings & investment products
  • Digital banking resources
  • Better Business Bureau A+ rating

Highlights That Make Credit Union of Texas (CUTX) Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Great Auto Loan Options

If you’re looking to buy a new car or refinance your current auto loan for a lower rate, Credit Union of Texas can help you do that with a rate as low as 1.99% APR. This is also a credit union in Dallas that offers no payments for up to 90-days and a “Skip a Pay” option with no extra fee.

Credit Card Promotions & Protection

Suspected fraud text alerts and build or re-build credit card choices are just two of the things that make CUTX one of the best credit unions or banks in Dallas, Texas to sign with for a new credit card. They also offer promotions with double rewards points for purchases.

Rating Summary

Credit Union of Texas (CUTX) earned a 5 rating as one of the best Dallas credit unions for offering some of the best auto loan and credit building products available in the DFW area.

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Dallas Credit Union Review


The second financial institution that you should avoid for the time being is Dallas Credit Union. They’ve got just 2 locations in the Dallas-Fort Worth metropolitan area, and have a general lack of review information at the Better Business Bureau and other review websites.

Dallas Credit Union Services at a Glance:

  • 2 locations in Dallas, TX & surrounding areas
  • New & used auto loans
  • Mobile banking app
  • Personal & business checking accounts
  • MasterCard credit card products
  • No rating on Better Business Bureau

How Dallas Credit Union Can Improve Their Standing Among the Best Credit Unions in Dallas, TX

Expand Membership & Locations

Dallas Credit Union could improve their ranking and move up as one of the best credit unions & banks in Dallas, TX if they expanded their membership requirements, which are somewhat limited now. They could also benefit from increasing the number of locations.

Related: First Financial Bank (Ranking & Review)



Fort Worth Community Credit Union Review


At the western side of the Dallas-Fort Worth area is Fort Worth Community Credit Union. We’ve included them because many that work in Dallas live in Fort Worth, and are looking for good credit unions and banks in Fort Worth, TX with close to home locations.

This is the best Dallas credit union to consider if you spend a lot of your time in the western portion of the DFW metropolitan area, and like to bank with a smaller community financial institution.

Forth Worth Community Credit Union Services at a Glance:

  • 11 locations in Dallas-Fort Worth & surrounding areas
  • Auto buying center
  • Care(free) personal checking
  • Real estate & personal loans
  • Cash management & IRA accounts
  • Better Business Bureau A+ rating

Highlights That Make Fort Worth Community Credit Union Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Young Savers Club

If you’d like to teach your child to be a saver at an early age, Fort Worth Community Credit Union can help. Their Young Savers Club allows children as young as 12 years old to open an interest earning account for as little as $5.00. 

Auto Buying Center

For those that are shopping for a car or just looking to refinance an auto loan at a lower rate, this is one of the top credit unions in Dallas, TX that puts all your resources in one place. With their Auto Buying Center, you can:

  • Move your auto loan
  • Find loan rates
  • Find preferred auto dealers
  • Look for autos for sale
  • Access car buying tips

Rating Summary

We rated Fort Worth Community Credit Union a 3. If they open up more locations, especially in Dallas, they could easily rise in the ranking of best credit unions in Dallas, Texas.

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North Dallas Bank & Trust Co. Review


Let’s go from credit unions back to the banks Dallas, Texas offers. Next in our ranking is North Dallas Bank & Trust Co. They’ve proudly served the northern Texas area since 1961.

Do you like the nostalgic feel of banking with a personal touch, but also want all the modern technology that makes financial management convenient? Then this is definitely one of the banks in Dallas you’ll want to take a closer look at.

North Dallas Bank & Trust Co. Services at a Glance:

  • 5 locations in Dallas, TX & surrounding areas
  • Business equipment financing
  • Personal & business checking
  • Savings, CDs, & IRAs
  • Trust & wealth management
  • Better Business Bureau A+ rating

Highlights That Make North Dallas Bank & Trust Co. Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Multiple Business Banking Services

When you first visit their website, you can see that North Dallas Bank & Trust Co. really puts an emphasis on their business services, perhaps over their personal ones. This is one of the best Dallas banks to check out if you’re a business owner looking for:

  • Credit card processing tools
  • Equipment financing
  • Check security for business through Positive Pay
  • Local lending to grow your business

Trust and Wealth Management

If you’re looking for a way to grow your nest egg for the future, North Dallas Bank & Trust Co. has you covered with their Trust & Wealth Management Team. They guide you through the investment process and provide advice to match your risk tolerance and dreams for the future.

Rating Summary

North Dallas Bank & Trust Co. earned a 3 in our ranking of best banks and credit unions in Dallas. It has a lot of great things to offer to Dallas businesses, and we think more promotion of their personal services could help them earn a higher score in the future.

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Texans Credit Union Review


Texans Credit Union was started in 1953 by eleven employees of Texas Instruments (TI), pooling $5 each to establish a financial institution that could offer low-cost loans to TI employees. Today, they have more than 110,000 members and serve seven counties and employees of over 100 companies.

This is one of the best credit unions in Dallas to join for an easy membership eligibility. Anyone that lives, works or attends school in the counties of Collin, Dallas, Grayson, Rockwall, Travis, Williamson and parts of Denton or works for a member business can join.

Texans Credit Union Services at a Glance:

  • 13 locations in Dallas, TX & surrounding areas
  • Home & auto loans
  • Refer-a-Friend program
  • Auto, home, life, & accident insurance
  • Shared ATMs
  • Better Business Bureau A+ rating

Highlights That Make Texans Credit Union Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

ATMs Around the World

Just because you choose a local credit union in Dallas, doesn’t mean you can’t have a free ATM to use nearly anywhere you travel. Texans Credit Union is part of the a shared ATM network with Allpoint and CO-OP™ that includes over 70,000 surcharge-free ATMs, even in places like 7-Eleven, CVS, and Target stores.

Insurance Products Through TruStage Insurance

This is one of the credit unions or banks in Dallas, TX where you can also buy your insurance. They partner with TruState Insurance to bring you auto, homeowners, term life, and accident insurance products.

Rating Summary

Though Texans Credit Union could increase their business services promotions, we gave them a 5 rating as a best Dallas credit union because they have an excellent reputation across multiple sites, including the BBB, Wallet Hub, and Deposit Accounts.


Veritex Community Bank Review


The final institution on our top 7 best Dallas banks and credit unions list is another homegrown Texas bank with locations in Dallas, Fort Worth, Austin, and Houston, Veritex Community Bank.

This is the youngest organization on our list of banks Dallas, TX offers, being established in 2004. However, they are fast gaining a reputation as a bank that puts their community first.  

Veritex Community Bank Services at a Glance:

  • 18 locations in Dallas, TX & surrounding areas
  • Personal & business banking services
  • Veritex mortgages
  • Women In Business program
  • Treasury services
  • Not listed on Better Business Bureau

Highlights That Make Veritex Community Bank Stand Out on Our List of Best Credit Unions & Banks in Dallas, TX

Women In Business

If you are a female entrepreneur, then Veritex is one of the banks Dallas, Texas offers that you’re going to want to take a look at. Their Women In Business program offers great business building offerings specificially for women, including:

  • Networking socials
  • Summer internship program
  • Women In Business accounts
  • Women In Business newsletter

Veritex Mortgages

Looking for a mortgage with competitve interest rates, flexible terms, and a fast approval process? Whether you’re searching for a North Dallas bank or banks in Fort Worth, TX, they have a tailored mortgage program aimed at helping you get your dream home.

Rating Summary

We gave Vertitex Community Bank a very high 3 rating. They’re fairly new, so we have to reserve a higher score until they get a few more years traction, but we can easily see them moving higher as one of the best Dallas banks in the future.


Conclusion – 7 Best Credit Unions & Banks in Dallas, TX

Texans that live in Dallas, Texas and the DFW area have some top choices if they’re shopping for credit unions or banks. Many of the homegrown financial institutions offer all the modern conveniences of online and mobile banking without losing that personal touch.

Our recommendation, if you like to visit your bank in person, is to check banking locations. Some best banks and best credit unions in Dallas cater to the western side of the DFW area and others to the northern side. Knowing where you want to bank ahead of time can help in narrowing down your choices.


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