People’s Trust Federal Credit Union | 2020-2021 Review & Ranking

AdvisoryHQ recently reviewed the top credit unions in Houston, Texas. Each credit union was individually researched based on general concepts of quality and value.

Various criteria were considered during the research process, some of which include fees, convenience, branches, online banking, education materials, and the selection of available services.

Below, we have highlighted some of the many reasons People’s Trust Federal Credit Union was selected as one of the best credit unions in Houston, Texas.

Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.

People’s Trust Federal Credit Union Review

People’s Trust Federal Credit Union is a Houston area credit union that was founded in 1935 by employees of Shell Petroleum Corporation and Shell Pipe Line Corporation. Today, they have approximately 30,000 members and focus on providing high-quality financial products.

They list seven branch locations on their website and are also a member of the Co-Op Shared Branch Network, which allows their members access to over 5,000 branches throughout the country.

Peoples Trust Federal Credit Union Reviews

Top Credit Unions in Houston, Texas

Eligibility for account holders is limited to those who live, work or attend school or church within the Houston city limits and employees of Shell and its subsidiaries as well as other select employee groups, immediate family members of existing members or eligible individuals, and members of the People’s Trust Foundation.

See Also: Primeway Federal Credit Union Review

Key Factors That Enabled This Credit Union to Rank as a Top Credit Union in Houston

Insurance Services

As a top credit union in Houston, People’s Trust, works to offer a wide array of financial services to their members, and this includes several insurance packages through TRUSTAGE®.

Insurance options at this top Houston credit union include:

  • Life insurance
  • Business insurance
  • Home/Condo/Renters
  • Auto
  • Identity Theft Protection
  • Health Insurance
  • Vision Insurance
  • Accidental Death & Dismemberment

Loans and Credit

When it comes to loans and credit, many seek out Houston credit unions over banks because they tend to have lower rates due to being non-profit organizations.

People’s Trust offers a wide range of loans and credit card options and advertises the same low rates for both new and used automobiles. Available loans include:

  • Auto/Motorcycle/Boat loans
  • Home loans
  • Personal loans

When it comes to credit cards, they offer both a MasterCard and a Visa credit card options that include things like cash back and/or low rates.

Don’t Miss: Members Choice Credit Union – Top Rated

Checking and Savings Options

This top-rated Houston credit union offers a wide variety of account options for members to satisfy their checking and savings needs.


People’s Trust Credit offers four tiers of checking accounts that members may choose based on their particular needs:

  • Secure Checking: Offers members additional safety for their finances
  • Premier Checking: For members that want to earn monthly dividends on their account
  • Simple Checking: Great for people that just want a simple checking account with no frills
  • Debit Account/Second Chance Checking: For members that may have experienced financial issues in the past and want a fresh start

Each account comes with varied terms, conditions, and benefits, but they all come with a Visa debit card, ATM access, and online and mobile banking access.

Checking account holders can benefit from the overdraft protection options offered by this top Houston credit union.

If a member overdraws an account and is signed up for overdraft protection, People’s Trust will make an automatic transfer from either a savings account or line of credit to cover the transaction.

Overdraft Tolerance is also offered which is designed to save embarrassment from a declined transaction by covering a one-time debit purchase or ATM withdrawal.


People’s Trust offers two savings accounts: Membership Savings and Everyday Savings.

The membership savings account establishes membership with People’s Trust and has a $5 opening account deposit minimum.

Everyday Savings is an additional account that may be opened if a further financial savings account is needed for things like saving for emergencies, projects, or vacations.

People’s Trust also offers the following additional accounts:

  • Money market accounts
  • Certificates of deposit
  • IRAs
  • Investment services

Related: Top Ranked Credit Unions in America

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Rating Summary

People’s Trust Federal Credit Union offers a full array of both personal and business financial services. Their comprehensive account offerings make it easy to bank with this top Houston area credit union.

With a focus on supporting their local community and rates designed to be very competitive with banks, People’s Trust Federal Credit Union earns a 5-star rating as one of the best credit unions in Houston to consider banking with in 2020-2021.

To browse exclusive reviews of all top-rated credit unions in Houston, Texas, please click on any of the links below:

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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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Peoples Trust Federal Credit Union Reviews
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Credit Union Reviews – People’s Trust FCU
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People’s Trust Federal Credit Union