We're Here to Help

Skip A Pay

In these difficult times, we are here to help free up cash to cover unexpected financial challenges due to the coronavirus (COVID-19) pandemic. CUTX offers a Skip-A-Pay Program that may provide some necessary relief. To see if you qualify, check the Skip-A-Pay terms.

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Auto Refinance

Refinance your auto loan with CUTX: If you didn't get your auto loan from CUTX, you may be paying too much. With rates as low as 2.39% we can get you a lower payment and no payment due for up to 120 days.1 Get started with an instant decision here, or by clicking Apply Now.

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Home Equity Line of Credit

A Home Equity Line of Credit lets you tap into your home equity as needed. You can pay down and re-borrow against it as you see fit. A line of credit is especially helpful to borrowers who have unexpected bills, ongoing expenses or simply a need to consolidate debt to reduce your monthly expenses. There are no closing costs and with record low interest rates, you are sure to get the extra safety net you need.2 Click below to apply or call our loan specialists at 972-301-1989

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Mortgage Customers

We realize there is uncertainty related to the spread of Coronavirus and that you may face financial challenges. If COVID-19 has impacted your ability to make your mortgage payment, Colonial Services may be able to help. Please call 800-937-6303 or visit for assistance

Colonial Services

Personal Loans

When the unexpected happens and you need help to manage expenses a CUTX personal loan or line of credit can help you cover your needs. Terms can be flexible and the funding is done quickly so you have access to your loan proceeds almost instantly.4

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SBA Paycheck Protection Program

The Paycheck Protection Program (PPP) is accepting new applications again after receiving more funding from Congress. The PPP is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. To learn more about the PPP, instantiated by the CARES Act and implemented by the Small Business Administration, you can find resources from the Dept. of Treasury here.

Apply Here

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Customer Service

We're here to help

We were founded with a commitment to support the communities we serve in all types of economic environments. CUTX knows how important it is to live out the promise more today than ever before. We’re here for you.

1 - APR = Annual Percentage Rate. Rate shown is the lowest rate available, no additional discounts apply, and is accurate as of March 30, 2020. Loans and Rates are subject to credit approval. Rates and terms are subject to change without notice. Offer excludes all loans already financed at CUTX. Interest will accrue during the deferment period. Estimated monthly payment example: Loan amount of $20,000 at a rate of 2.39% APR for 36 monthly payments, with no monthly payment for 120 days, would have a monthly payment of $578.60. Loans and Rates are subject to credit approval. To be eligible for the no payment for 120 days applicant must have FICO score of 680 or above.

2 - Credit Union of Texas offers a variable Annual Percentage Rate (APR) based on the Prime Rate as published in the Money Rates section of The Wall Street Journal (the “Index”) plus a margin based on creditworthiness and credit limit. As of March 16, 2020, the index value is 3.25%. The floor APR will be 3.00%. An increase in the Index will result in an increase in the periodic rate which, in turn, will result in higher payments. In no event, will the APR increase by more than 18% or the maximum rate allowed by applicable law. Offer is limited to consumer HELOCs not currently held at Credit Union of Texas. Property insurance is required, including flood insurance where applicable. The minimum advance during the draw period is $4,000. No closing costs. If, however, an appraisal or a policy of title insurance is required, applicant is responsible for those costs. Texas homestead properties are limited to 80% combined loan to fair market value for home equity financing. All loans are subject to credit approval and Credit Union of Texas lending policies. Other restrictions may apply. In Texas, there is a 12-day cooling off period on all HELOCs. There is also a three-day right of rescission after closing before the funds may be disbursed. Actual time of funding may differ depending on appraisal, title and other underwriting requirements. This is a limited-time offer and is subject to change at any time without notice. The account is subject to application, credit qualification, and income verification; additional evaluation and verification criteria may apply. CUTX home loan programs are only available in Texas. Credit Union of Texas NMLS #576560

3 - All signers on the account must agree. We accept payments at any time, however, extra payments will not change the due date of the next scheduled loan payment. Interest will accrue during the skip pay period and when payments resume, unpaid interest will be collected first. In all other respects, the provisions of the original agreement remain in full form and effect. This may/will affect Credit Life and Disability Insurance GAP or Mechanical Breakdown Insurance (MBI) coverage on your loan. If currently enrolled in autopay you must adjust your payment schedule. Please refer to your contract.

4 - Loan approval and rates are subject to credit approval.