About Us

Our history is as rich as South Texas.

On January 4, 1937, Missouri Pacific Kingsville Employees Federal Credit Union was granted a charter to become a credit union for the railroad employees of South Texas, and thus, our story began. In August 1966, the credit union charter was amended to change our name to Missouri Pacific Employees (Kingsville Division) Federal Credit Union, and in January 1971, all member accounts became federally insured by the National Credit Union Administration.

In December 1978, the charter was amended for the third time, changing our name to Kingsville Community Federal Credit Union with the purpose of serving railroad employees and Kingsville area residents. In 1979, Kingsville Kleberg County Government Employees Federal Credit Union was merged with KCFCU, adding 437 new members to our credit union family.

The City of Kingsville employees and Kleberg Memorial Hospital employees, now Christus Spohn Hospital Kleberg, have joined our credit union and are a part of our family of members. With the name change, Kingsville Community Federal Credit Union was open for membership to "all who live, work, or attend church in our community."

Following NCUA's approval of charter expansion, in May 2016, the Board of Directors passed an amendment to change the name of the credit union to Texas Community Federal Credit Union.

Mission

Our mission is to provide the most helpful products and services for all our members and to promote community development for the improvement of the social and economic conditions of low-income and underserved communities.

We are a full-service not-for-profit cooperative financial institution formed for the purpose of encouraging savings. We are committed to the principle of helping our members achieve financial stability and to work collectively for the greater good of all.

Community Involvement

We are proud to support our community. Since our beginning in January 1937, the credit union has been actively engaged in the promotion and development of various programs to give back to the community, raise funds, and support local organizations. Our employees are encouraged to become actively involved in our community at all levels. Through donations and sponsorships, we support not-for-profit organizations, local businesses, and residents of our community.

Sponsorship and Donations

Texas Community Federal Credit Union offers assistance to nonprofit groups and their fundraising efforts through donations whenever possible. As an organization, we receive numerous donation requests monthly.

We ask anyone interested in applying for a donation to review our procedures and mail their application for a donation. It is important to note that Texas Community Federal Credit Union’s primary area of support is Education.

Donation Application Procedure

Applications for donations must be submitted in writing on the letterhead of the organization requesting the donation, and all requests shall include the following:

• A contact name, address, and telephone number

• Event date and location, as applicable

• Copy of the requesting organization's 501(c)(3) documents

• Purpose of the event or use of funds

• General description and information about the event, as applicable

• A statement explaining why Texas Community Federal Credit Union should consider making a donation to the organization

We must receive the request at least four weeks prior to the preferred funding date. Duplicate or multiple requests through any means or by any means may delay or disqualify an event. Therefore only one request should be submitted. All requests will be handled by marketing.

We strive to assist as many groups as possible with donations. However, due to numerous requests annually, donations to an individual, organization, or event are not likely to be extended more than once per year.

Mail Donation Request to Texas Community Federal Credit Union

ATTN: Marketing 605 E. Caesar Ave., Kingsville, TX 78363

The Job Program

Joint Opportunities for Business and Job Creation (JOB) can help you start a business or grow your existing one. The program offers you the following benefits and advantages.

• Access to a special loan that can provide the funds you need to start a business or grow your existing one. This loan is designed for entrepreneurs and small business owners and is the only one of its kind in our service area.

• Free business counseling and assistance to develop a business plan and a marketing plan. A business plan is a map toward your goals and a critical tool for business success. A marketing plan outlines your strategy to be competitive in your area. These two plans are essential to every business.

• Business development services in the form of workshops, seminars, forums, and conferences such as the JOB Program Small Business Conference!

Call us now to get started: (361) 595-5538.

JOB is a joint effort by Texas Community Federal Credit Union, the Small Business Development Center at Del Mar College, Texas A&M; Kingsville College of Business Administration, the Kleberg County Hispanic Chamber of Commerce, and the Kingsville Chamber of Commerce.

Board of Directors

Supervisory Committee

Staff Directory

89th Annual Meeting March 10, 2026

Mission Statement

Our mission is to provide products and services for all our members and to promote community development for the improvement of the social and economic conditions of low-income and underserved communities.

Texas Community Federal Credit Union Minutes of the 88th Annual Meeting

The 88th Annual Meeting of the membership of Texas Community Federal Credit Union was called to order at 6:18 PM by Board of Director Chairman, Mr. Jesus D. Rios, at the KC Hall. Board members present were Mr. Rudy Galvan, Mr. Jesus D. Rios, Mr. Juan Macareno and Mrs. Irma Longoria; absent was Ms. Julie Enrriques.

Supervisory Committee members present were Mr. Lupe Ruiz, Mr. Alex Garcia, Mrs. Carmela Alvarez and Mrs. Cathy Garza; absent was Mrs. Leticia Salinas. Mrs. Rebecca Castillo led the membership in the Invocation. Mr. Jesus D. Rios made the announcement that dinner would be served during the meeting. Ms. Samantha Gonzalez stated the Pledge of Allegiance. Mr. Jesus D. Rios, Chairman, announced the presence of a quorum had been established and confirmed by the staff sign-in sheet for the 88th Annual Meeting.

Minutes of the 87th Annual Meeting were read by Mr. Jesus D. Rios and after no questions the minutes were approved by Mr. Rudy Galvan, seconded by Mrs. Stephanie Garza. Motion Carried. Chairman, Mr. Jesus D. Rios, then proceeded to welcome allmembers to the 88th Annual Meeting and presented the report of the Board of Directors to the membership. Mrs. Imelda Garza, CEO, presented the financial reports to the membership for 2024. She continued with what plans the credit union had in mind for 2025 along with new products and services.

Jennifer Herrera, VP Operations, discussed upcoming projects and goals for the credit union. Lupe Ruiz, VITA site coordinator, discussed the tax program in its entirety. Election of board members motion by Mr. Rudy Galvan; seconded by Mr. Juan Torres. Mr. Juan Garza motioned to adjourn the meeting at 6:40 PM; seconded by Mr. Alexander Garcia. Motion carried. The credit union staff along with board member staff conducted bingo games along with prizes for those inattendanc

Texas Community Federal Credit Union Board of Directors

Financial Statement For year ending December 31, 2025

Membership: 2841

Gross Income: $2,703,429.93

Total Expenses: $2,397,353.34

Dividends: $568,084.12

Net Income: $306,076.59

ASSETS

Total Loans $20,071,699.31

Allowance for Loan LosS -214,314.68

Cash in Banks 1,361,350.61

Investments 8,263,746.03

Other Asset 0.00

TOTAL ASSEST $30,484,173.83

LIABILITIES & EQUITY

Shares of Members 26,079,184.48

Liabilities 232,382.65

Total Equity 30,251,791.18

TOTAL LIABILITIES AND EQUITY $30,484,173.83

Agenda

Call to Order: Jesus D. Rios , Board Chairman

Invocation: Rene Canales, Supervisory Committee Member

Pledge of Allegiance: Cynthia Bustamante, Supervisory Committee Member

Quorum Certification: Determination by the Board of Directors that a Quorum is present (15 members) - Board Member

Dinner: To be served during meeting

Report to the Membership: Jesus D. Rios, Board Chairman Imelda Garza, CEO

Adjournment: Jesus D. Rios, Board Chairman

Entertainment: Prize Bingo