# Texas Tech Credit Union

> Texas Tech Credit Union is a not-for-profit, member-owned credit union serving Texas Tech University and Texas Tech Health Sciences Center students, employees, and alumni, along with employees/retirees of partner West Texas school districts and anyone living and working across the South Plains, Texas Panhandle and Permian Basin. Routing number: 311386073. Federally insured by the NCUA. Equal Housing Lender.

Texas Tech Credit Union ("Where Red Raiders Bank") offers checking and savings accounts, mortgages, auto loans, and personal loans. Membership eligibility is required to open an account but is available to anyone. The credit union's top priority products are home mortgages, auto loans, and the Spend+ Cashback checking account.

## Priority Products

- [Home Loans](https://www.texastechfcu.org/home-loans): Mortgage lending with a Best Rate Guarantee; covers purchase, refinance, and construction loans with a dedicated mortgage team.
- [Mortgage Loan Options](https://www.texastechfcu.org/mortgage-loan-options): Overview of loan types offered, including Conventional, FHA, USDA, VA, Construction, and Specialized/Doctor loans.
- [Conventional Loans](https://www.texastechfcu.org/conventional-loans)
- [FHA Loans](https://www.texastechfcu.org/fha-loans)
- [USDA Loans](https://www.texastechfcu.org/usda-loans)
- [VA Loans](https://www.texastechfcu.org/va-loans)
- [Construction Loans](https://www.texastechfcu.org/construction-loans): Financing from foundation to finish for home construction.
- [Specialized Loans](https://www.texastechfcu.org/specialized-loans)
- [Doctor Loans](https://www.texastechfcu.org/medical-professionals): Mortgage program for medical professionals.
- [Refinance Loans](https://www.texastechfcu.org/refinance-loans)
- [Best Rate Guarantee](https://www.texastechfcu.org/best-rate-guarantee)
- [Auto Loans](https://www.texastechfcu.org/auto-loans): Flexible-term loans for new/used vehicles, boats, and other vehicles, with optional protection plans.
- [Spend+ Cashback Account](https://www.texastechfcu.org/spend-plus): Free checking account earning 1% cash back on everyday purchases, early direct deposit (up to 2 days early), and access to 88,000+ fee-free ATMs. Designed for students and members.

## Other Banking Products

- [Spend Account](https://www.texastechfcu.org/spend): Standard checking account.
- [Save Account](https://www.texastechfcu.org/save): Standard savings account.
- [Money Market](https://www.texastechfcu.org/money-market): Higher-dividend account with unlimited deposits/withdrawals; NCUA insured.
- [Certificate of Deposit](https://www.texastechfcu.org/cd): Fixed-rate CDs with terms from 6 months to 5 years.
- [Personal Loans](https://www.texastechfcu.org/personal-loans): Includes certificate-secured loans and lines of credit.
- [Skip-A-Pay](https://www.texastechfcu.org/skip-a-pay): Option to skip a loan payment.

## Tools & Resources

- [Rates](https://www.texastechfcu.org/rates): Current rates for loans, mortgages, and deposit accounts.
- [Mortgage Calculators](https://www.texastechfcu.org/calculators)
- [Meet The Mortgage Team](https://www.texastechfcu.org/meet-the-mortgage-team)
- [Apply for a Mortgage](https://apply.texastechfcu.org/)
- [Apply for a Loan](https://texastech-asg-myori.wetap.com/myori/app/ola/ola-consumer-loan-type)
- [Open an Account](https://texastech.myori.com/app/oao/membership)
- [Online Banking Login](https://www.texastechfcu.org/online-banking-login)
- [Locations & ATMs](https://www.texastechfcu.org/locations)
- [Support Center](https://www.texastechfcu.org/support)
- [Financial Guides](https://www.texastechfcu.org/financial-guides)
- [NCUA Insurance Info](https://www.texastechfcu.org/ncua)
- [Blog](https://www.texastechfcu.org/blog)

## About

- [About Us](https://www.texastechfcu.org/about): Membership eligibility details, leadership team, and core values (Trust, Respect, Excellence, Kindness, Stewardship).
- [Careers](https://www.texastechfcu.org/careers)
- [Contact Us](https://www.texastechfcu.org/contact)
- [Financial Reports](https://www.texastechfcu.org/financials)

## Legal

- [Privacy Policy](https://www.texastechfcu.org/privacy-policy)
- [Terms of Use](https://www.texastechfcu.org/terms-of-use)