Mobility Credit Union Frequently Asked Questions
Looking for information about Mobility Credit Union? Find answers to common questions about membership, checking accounts, savings, loans, branch locations, digital banking, shared branching and more.
Membership
Who can join Mobility Credit Union?
Anyone in Texas can qualify for membership with Mobility Credit Union. You do not have to live near one of our branch locations to become a member.
Mobility Credit Union serves members throughout Texas with convenient online and mobile banking options, competitive deposit products and a variety of lending solutions.
Do I have to live in Dallas Fort Worth to join Mobility Credit Union?
No. You do not have to live in the Dallas Fort Worth area. Anyone in Texas can qualify for membership with Mobility Credit Union.
Can I join Mobility Credit Union online?
Yes. Eligible individuals can apply to become a member online. You can also visit a Mobility Credit Union branch or contact us for assistance opening an account.
Is Mobility Credit Union only for employees of certain companies?
No. Mobility Credit Union is not limited to employees of a specific company. Anyone in Texas can qualify for membership.
Is Mobility Credit Union a bank?
Mobility Credit Union is a credit union, not a bank. As a credit union, Mobility is a member owned financial institution focused on serving its members with competitive financial products and personalized service.
Checking Accounts
What checking accounts does Mobility Credit Union offer?
Mobility Credit Union offers checking options designed for different financial needs, including Rewards Checking and Premium Checking.
What is Mobility Credit Union Rewards Checking?
Rewards Checking is an interest earning checking account that allows qualifying members to earn up to 5.12% APY on the first $20,000.
To qualify for the highest rate, members must meet monthly account requirements, including at least $300 in qualifying ACH or direct deposits and 15 qualifying debit card transactions of $10 or more.
Rewards Checking has no monthly service fee and includes convenient features such as Zelle®, mobile deposit, bill pay, eStatements and debit card controls within the Mobility Credit Union app.
What is Mobility Credit Union Premium Checking?
Premium Checking is an interest earning checking account with tiered dividend rates of up to 2.63% APY.
Unlike Rewards Checking, Premium Checking does not require a certain number of debit card purchases or direct deposits to earn dividends. It is a good option for members who want to earn interest without monthly transaction requirements.
Can I open a Mobility Credit Union checking account online?
Yes. You can apply for a Mobility Credit Union checking account online or through the Mobility Credit Union app.
Does Mobility Credit Union offer Zelle?
Yes. Eligible Mobility Credit Union checking accounts include access to Zelle® through digital banking.
Does Mobility Credit Union offer mobile check deposit?
Yes. Eligible members can deposit checks using mobile deposit through the Mobility Credit Union app.
Savings and Deposits
Does Mobility Credit Union offer high yield savings options?
Yes. Mobility Credit Union offers several ways for members to earn more on their money, including savings accounts, money market accounts, certificates and interest earning checking accounts.
Does Mobility Credit Union offer certificates or CDs?
Yes. Mobility Credit Union offers certificate accounts with a variety of terms and competitive rates. Certificate rates and promotional offers may change, so members should check current rates before opening an account.
Does Mobility Credit Union offer a money market account?
Yes. Mobility Credit Union offers a Performance Money Market account designed for members who want to earn a competitive return while maintaining access to their funds.
Loans
Does Mobility Credit Union offer auto loans?
Yes. Mobility Credit Union offers financing for new and used vehicles as well as auto loan refinancing.
Members can apply for an auto loan and get preapproved before shopping for a vehicle.
Can I refinance my car loan with Mobility Credit Union?
Yes. Mobility Credit Union offers auto refinancing that may help qualified borrowers lower their interest rate, monthly payment or overall borrowing cost.
Does Mobility Credit Union offer home equity loans and HELOCs?
Yes. Mobility Credit Union offers home equity financing options for qualified Texas homeowners, including Home Equity Lines of Credit and fixed rate home equity loans.
Does Mobility Credit Union offer credit cards?
Yes. Mobility Credit Union offers a Visa® Platinum and Rewards Credit Card with competitive rates and benefits.
Branch Locations
Where are Mobility Credit Union branches located?
Mobility Credit Union currently has branch locations in Irving, Celina and Hurst, Texas.
You do not need to live near a Mobility Credit Union branch to become a member. Anyone in Texas can qualify for membership, and many services are available through online and mobile banking.
Shared Branching and ATMs
Does Mobility Credit Union participate in shared branching?
Yes. Mobility Credit Union participates in the CO OP Shared Branch network, giving members access to participating credit union locations beyond Mobility Credit Union's own branches.
Services available at shared branches may vary by location.
Can I withdraw money at another credit union?
Yes. Through participating CO OP Shared Branch locations, Mobility Credit Union members may complete certain transactions at other participating credit unions.
Shared branch transactions are subject to Mobility Credit Union and participating location policies and limits.
Does Mobility Credit Union have access to a nationwide ATM network?
Yes. Mobility Credit Union members have access to participating CO OP ATMs, providing convenient ATM access beyond Mobility Credit Union branch locations.
Digital Banking
Does Mobility Credit Union have a mobile app?
Yes. The Mobility Credit Union app allows members to conveniently manage their accounts from a mobile device.
Available features may include account balances, transfers, mobile check deposit, bill pay, Zelle®, debit card controls and other digital banking services.
Can I bank with Mobility Credit Union if I do not live near a branch?
Yes. Members throughout Texas can manage many of their everyday banking needs through Mobility Credit Union's online banking and mobile app.
Business Accounts
Does Mobility Credit Union offer business banking?
Yes. Mobility Credit Union offers business banking solutions for eligible businesses, including business checking and other financial services.
Contact Mobility Credit Union to discuss which business account may be best for your needs.
Payments and Transfers
Does Mobility Credit Union accept FedNow payments?
Yes. Mobility Credit Union can accept eligible incoming payments through the FedNow® Service from participating financial institutions.
FedNow payments can arrive within seconds and can be available outside traditional banking hours, including weekends and holidays.
About Mobility Credit Union
Where is Mobility Credit Union based?
Mobility Credit Union is a Texas credit union headquartered in Irving, Texas, with additional branch locations in Celina and Hurst.
Who does Mobility Credit Union serve?
Mobility Credit Union serves individuals, families and businesses throughout Texas. Anyone in Texas can qualify for membership.
Why choose Mobility Credit Union?
Mobility Credit Union combines the personal service of a credit union with modern digital banking and competitive financial products.
Members have access to interest earning checking accounts, savings products, certificates, auto loans, home equity financing, credit cards, digital banking, shared branching and a nationwide ATM network.
Still Have Questions?
Mobility Credit Union is here to help.
Call 214.574.2000, visit a Mobility Credit Union branch, or explore our website to learn more about membership, accounts and loans.
If you live in Texas, you qualify for membership with Mobility Credit Union.