How is a credit union different from a bank? A credit union exists to serve a community of members — not to maximize corporate profits. When you join SACU, you become part of a strong financial cooperative. You get a safe place to save and borrow, and you get a voice. Member-owned means everything we do is in the best interest of our membership.

How To Apply

Since SACU is a collective, you qualify for membership based on your affiliations — there are many from which to choose. For example, you can qualify for membership based on where you work, live or worship.

Think about which of the following affiliations you may have, and be ready to indicate them on your application. To make it easy, we've organized them into three groups: immediate family, San Antonio area, and Houston area affiliations.

Immediate Family Affiliations
  • Someone in your immediate family is a member of SACU (grandparent, parent, spouse, sibling, child)
San Antonio Area Affiliations
  • Live, work or worship in West or South San Antonio
  • Work for or are a member of one of our Select Groups
  • Are a student of higher education
  • Volunteer for a United Way agency
  • Active or retired military
  • Military dependent
Houston Area Affiliations
  • Work for or are a member of one of our Select Groups (SGs)
  • Are a registered Catholic with the Archdiocese of Galveston-Houston

Become an  SACU Member Online

When you’re ready, visit our online application for SACU membership. We’re looking forward to having you join us!

Can minors join SACU?

Yes! Minors can apply to join SACU by opening an account with a parent or legal guardian.

Attention Associations & Employers

It's easy for your organization to join SACU too. Learn how you can offer the benefits of credit union membership to your employees and members.
Become a Select Group

Find SACU Near You

Need to visit us in person? Find the closest branch or check out our ATM network.

Membership Matters

Did you know that SACU offers members:

plus popular annual perks like “shred day,” a cool Spurs calendar, and more?

Great for:

Share Savings

SACU membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started!

  • Open with $5 minimum deposit
  • Dividends paid quarterly on a minimum daily balance of $100
  • Even more flexibility for members under age 18