What is the SACU routing number?

The SACU routing number is 314088284.

How do I join SACU?

Ready to get started with SACU?  Learn more about how you can join online or visit any SACU branch location.

How do I get my tax forms online?

To enroll in this feature, go to online banking, expand the Settings menu from the top of the screen then choose Statement and Notice Preferences. Choose “Online” from the drop down menu and submit. 

Once enrolled in Online Statements and Notices, go to Account Information then select Online Statements and Notices to access your tax forms. 

What are your service fees?

Learn more about SACU services and fees.

Do you offer safe deposit boxes?

Yes!  Safe deposit boxes are available at select SACU branches.  Please explore our service fees for a listing of available sizes and our branch locator for availability.  

Do you offer a bank by mail service?

Yes! SACU provides bank-by-mail service to its members.  Send your deposits and/or payments to:

Member Service Center/Mail Teller
San Antonio Federal Credit Union
PO Box 1356
San Antonio, TX 78295-1356

Your transaction will be processed within 24 hours of receipt.

What's the phone number to bank by phone?

Our automated PhoneLink® service allows you to complete common transactions by phone — in English or Spanish.

San Antonio: (210) 734-9121
Houston: (713) 463-SACU (7228)
Toll Free: 1-800-678-SACU (7228)

How can I get the important form I need?

You can get a form faxed or mailed to you by calling our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228). Here is a list of commonly requested forms, available as PDFs, that you can download right now:

Where are SACU locations and what are the hours?

We have many ATMs, branches, and shared branch locations in San Antonio and Houston, and hours vary by location. To get details on any branch, access our online locator.

What holidays do you observe?

SACU is closed on New Year’s Day, Martin Luther King, Jr. Day, President’s Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Thanksgiving, Christmas Eve, and Christmas Day.  All branches close early on New Year’s Eve.

What is Shared Branching?

Nationwide, credit unions have formed various alliances giving branch access to credit union members at more than 5,000 locations, including many within Texas. This combination of resources is referred to as CO-OP Shared Branching. SACU offers its members the convenience of increased account accessibility these additional facilities.

Shared Branching is especially convenient for members who find a location close to their home or work, travel and need access to SACU services, or must re-locate and still wish to maintain a relationship with SACU.


Note: SACU does not participate in the ATM Co-Op.  ATM transactions at Co-Op ATMs are subject to fees imposed by the ATM owner.  SACU does not support Vcom transactions at 7-Eleven locations.

What transactions can I complete at a Shared Branch?

Check with the branch you choose for a list of services offered. Not all services will be available at every Shared Branch location. The list of transactions members may be able to complete at shared branches includes:

  • Balance inquiries and transaction history
  • Savings deposits and withdrawals
  • Check cashing
  • Transfers within members’ accounts
  • Consumer payments (not credit cards, or education or real estate loans)
  • Travelers’ Cheques, money orders, notary, and fax services

Note that fees for services at Shared Branches are determined by each location separately, and may not reflect fees charged by SACU.

What member services are not available at Shared Branch locations?

SACU members will not be able to complete the following transactions at shared branches. To maintain member security, there are no exceptions to these restrictions:

  • ATM/Debit card maintenance (request/issue, estate settlements)
  • Credit card payments
  • Credit card cash advances (may be available at some locations)
  • Offline withdrawals or cash-back transactions
  • Third-party cashing
  • Opening a new account
  • Adding or deleting members from existing accounts
  • Adding or deleting stop payments
  • Fee reversals
  • Collection draft items
  • Loan closings
  • Education loan payments
  • Real estate loan payments
  • IRA transactions
  • Share Certificate transactions
  • Insurance check endorsements
  • Powers of Attorney

How can I take advantage of Shared Branching?

No sign up is necessary — just find the location you wish to use and be sure you meet our qualifications. Members who meet the following requirements automatically qualify for this service:

  • Member must know their credit union affiliation, account number and present a valid photo ID to make a Shared Branching transaction
  • Member must be an authorized signer for the account
  • All SACU accounts must be in good standing (no outstanding payments, legal issues, etc.)
  • Account must be free of special handling designations including accounts with a password or two signature requirement, guardianship or representative payee accounts, and accounts restricted by court order or controlled by the Collection Department

Is SACU an "issuer" or “acquirer” and what does it mean?

Credit unions in the Shared Branching alliance have the option to be an issuer, an acquirer or both. SACU is both. As an "issuer", SACU allows its members to use the branches of participating credit unions and Credit Union Service Centers for various financial transactions. As an "acquirer", SACU will provide branch service to members of participating credit unions nationwide. SACU has designated certain branch locations to operate as acquirer credit unions.

How can I become a member of SACU?

It’s easy to fill out an application for SACU membership online. You can qualify for membership based on where you work, live or worship — there are many affiliations from which to choose.

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, 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
  • Are active or retired military
  • Are a military dependent

Houston Area Affiliations

  • Are a registered Catholic with the Archdiocese of Galveston-Houston
  • Work for or are a member of one of our Select Groups

Can minors join SACU?

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

How can my organization join SACU?

It's easy for your organization to offer the benefit of credit union membership to employees and members. Become a Select Group by submitting a letter of request (PDF), completing the Employee Benefit Agreement (PDF) form, and emailing your request to businessdevelopment@sacu.com.

Who do I contact with questions on my insurance policy?

The SACU insurance agency, CU Factory Built Insurance Agency (CUFBIA) has been closed. Your policy remains in force and there is no action required on your part.  If you currently have insurance written through CUFBIA, listed below are the contact numbers for policy assistance. 

  • MetLife Auto, Homeowners, Boat, and Umbrella Insurance - MetLife 1-877-491-5089
  • MetLife Accidental Death & Dismemberment, Dental - Selman (Policy Servicer) 1-877-665-7563 or Texas Associates Insurors 210-798-4917
  • Manufactured Home Insurance - Manufactured Housing Insurance Services (MHIS) 1-866-644-7111
  • Manufactured Home Warranty - Diversified Profits 1-800-851-3738
  • Auto and Home Insurance - Ameriprise 1-888-239-9953 or Texas Associates Insurors 210-798-4917
  • Life Insurance - Assurity 1-800-869-0335 or Texas Associates Insurors 210-798-4917
  • Life Insurance - Mutual of Omaha 1-800-228-7104 or Texas Associates Insurors 210-798-4917
  • Long Term Care Mutual of Omaha - 1-800-775-6000
  • Accidental Death & Dismemberment (New York Life) - Selman (Service Provider) 1-877-665-7563 or Texas Associates Insurors 210-798-4917