---
title: "Credit Unions Near 76701 (Waco, TX)"
description: "25 credit unions have branches near ZIP 76701, by NCUA-reported branch location. Compare distance, branch addresses, rates, and who can join — no paid placement."
canonical: "https://rateapi.dev/credit-unions/near/76701"
last-updated: "2026-08-24"
source: "https://rateapi.dev/llms.txt"
---

# Credit Unions Near 76701 — Waco, TX

25 credit unions have branches near ZIP 76701, ordered by NCUA-reported branch proximity. Updated August 2026. No paid placement — proximity only.

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

[Mclennan County Employees Credit Union](https://rateapi.dev/credit-unions/texas/mclennan-county-employees)Branch in this ZIP

Main office: 215 N 5th St Ste 224, Waco, TX 76701-1364

[Waco Credit Union](https://rateapi.dev/credit-unions/texas/waco)~0.8 mi

Main office: 826 N 3rd St, Waco, TX 76707

[1st University Credit Union](https://rateapi.dev/credit-unions/texas/1st-university)~1.8 mi

Nearest branch: 2100 River St, Waco, TX 76706-1642

[Genco Credit Union](https://rateapi.dev/credit-unions/texas/genco)~2.8 mi

Main office: 731 N Valley Mills Dr, Waco, TX 76710-4848

[Linkage Credit Union](https://rateapi.dev/credit-unions/texas/linkage)~2.9 mi

Main office: 4527 SPEIGHT AVE, WACO, TX 76711

[Educators Credit Union](https://rateapi.dev/credit-unions/texas/educators)~3.1 mi

Nearest branch: 3201 S New Rd, Waco, TX 76706

[First Central Credit Union](https://rateapi.dev/credit-unions/texas/first-central)~3.4 mi

Nearest branch: 3100 Bellmead Dr, Waco, TX 76705

[Members Choice of Central Texas Credit Union](https://rateapi.dev/credit-unions/texas/members-choice-of-central-texas)~3.5 mi

Main office: 4631 W Waco Dr, Waco, TX 76710

[Fontana Credit Union](https://rateapi.dev/credit-unions/california/fontana)~3.9 mi

Nearest branch: 5213 Lake Shore Dr, Waco, TX 76710-1732

[Kraftman Credit Union](https://rateapi.dev/credit-unions/louisiana/kraftman)~3.9 mi

Nearest branch: 5213 Lake Shore Dr, Waco, TX 76710-1732

[Mcmurrey Credit Union](https://rateapi.dev/credit-unions/texas/mcmurrey)~3.9 mi

Nearest branch: 5213 Lake Shore Dr, Waco, TX 76710-1732

[Pba Credit Union](https://rateapi.dev/credit-unions/arkansas/pba)~3.9 mi

Nearest branch: 5213 Lake Shore Dr, Waco, TX 76710-1732

[Southern Teachers & Parents Credit Union](https://rateapi.dev/credit-unions/louisiana/southern-teachers-parents)~3.9 mi

Nearest branch: 5213 LAKE SHORE DR, WACO, TX 76710

[Baker Hughes Credit Union](https://rateapi.dev/credit-unions/texas/baker-hughes)~4.0 mi

Nearest branch: 720 N 64th St, Waco, TX 76710-4387

[Matagorda County Credit Union](https://rateapi.dev/credit-unions/texas/matagorda-county)~4.0 mi

Nearest branch: 720 N 64TH ST, WACO, TX 76710

[Heart O' Texas Credit Union](https://rateapi.dev/credit-unions/texas/heart-o-texas)~5.1 mi

Main office: 7500 Imperial Drive, Waco, TX 76712

[Texell Credit Union](https://rateapi.dev/credit-unions/texas/texell)~7.4 mi

Nearest branch: 1221 Hewitt Dr, Waco, TX 76712-8896

[Rocket Credit Union](https://rateapi.dev/credit-unions/texas/rocket)~18.0 mi

Main office: 905 W McGregor Dr, McGregor, TX 76657-1133

[Temple Santa Fe Community Credit Union](https://rateapi.dev/credit-unions/texas/temple-santa-fe-community)~33.8 mi

Main office: 1750 W avenue A, Temple, TX 76504

[Scott and White Employees Credit Union](https://rateapi.dev/credit-unions/texas/scott-and-white-employees)~35.4 mi

Main office: 2401 S 31st St, Temple, TX 76508-0001

[Belton Credit Union](https://rateapi.dev/credit-unions/texas/belton)~39.4 mi

Main office: 400 N Wall St, Belton, TX 76513

[Centex Citizens Credit Union](https://rateapi.dev/credit-unions/texas/centex-citizens)~41.1 mi

Main office: 1404 E Milam St, Mexia, TX 76667-2500

[A+ Credit Union](https://rateapi.dev/credit-unions/texas/a)~45.3 mi

Nearest branch: 400 W Central Texas Expy, Harker Heights, TX 76548-1745

[Navy Federal Credit Union Credit Union](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union)~45.4 mi

Nearest branch: 201 E Central Texas Expy, Harker Heights, TX 76548

[Greater Central Texas Credit Union](https://rateapi.dev/credit-unions/texas/greater-central-texas)~47.5 mi

Main office: 3305 E Elms Rd, Killeen, TX 76542

Rates and membership rules live on each credit union's profile. Membership is required before opening an account; final terms come from the institution.

## Keep comparing

[Search another ZIP](https://rateapi.dev/credit-unions/near-me)[All Texas credit unions](https://rateapi.dev/credit-unions/texas)[Texas auto loan rates](https://rateapi.dev/auto-loan-rates/texas)[Texas mortgage rates](https://rateapi.dev/mortgage-rates/texas)[Who can join in Texas](https://rateapi.dev/who-can-join/texas)

## Nearby ZIP areas

[Credit unions near 76010 (Arlington)](https://rateapi.dev/credit-unions/near/76010)[Credit unions near 75074 (Plano)](https://rateapi.dev/credit-unions/near/75074)[Credit unions near 78040 (Laredo)](https://rateapi.dev/credit-unions/near/78040)[Credit unions near 79401 (Lubbock)](https://rateapi.dev/credit-unions/near/79401)[Credit unions near 75040 (Garland)](https://rateapi.dev/credit-unions/near/75040)[Credit unions near 75061 (Irving)](https://rateapi.dev/credit-unions/near/75061)[Credit unions near 79101 (Amarillo)](https://rateapi.dev/credit-unions/near/79101)[Credit unions near 75050 (Grand Prairie)](https://rateapi.dev/credit-unions/near/75050)

As of August 2026, 25 credit unions have an NCUA-reported branch near ZIP 76701 in the Waco area. Distances are straight-line estimates — confirm travel time with the branch address.

How many credit unions are near 76701?

Not automatically. Each credit union has a field of membership — location, employer, family, school, or association based. Open a profile below and check its Who Can Join section before applying.

Can I join any credit union near 76701?

Branch locations reported to the National Credit Union Administration (NCUA), matched to your ZIP by branch coordinate or ZIP-area center. RateAPI does not sell placement; the order reflects proximity, never payment.

Where does this list come from?

⚡RateAPI

Daily-verified lending rates from 3,700+ US credit unions, plus deposit APY benchmarks for savings, CDs, share certificates, and money markets.

[Sign In →](https://app.rateapi.dev)

### Products

- [Current Rates →](https://rateapi.dev/current-mortgage-rates)
- [Current Auto Loan Rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD Rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC Rates](https://rateapi.dev/current-heloc-rates)
- [Current Personal Loan Rates](https://rateapi.dev/current-personal-loan-rates)
- [Credit Union Rate Index](https://rateapi.dev/credit-union-rate-index)
- [For Credit Unions](https://rateapi.dev/for-credit-unions)
- [Mortgage Rates](https://rateapi.dev/mortgage-rates)
- [Refinance Rates](https://rateapi.dev/refinance-rates)
- [Auto Loan Rates](https://rateapi.dev/auto-loan-rates)
- [RV Loan Rates](https://rateapi.dev/rv-loan-rates)
- [Boat & Marine Rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle Rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC Rates](https://rateapi.dev/heloc-rates)
- [Personal Loan Rates](https://rateapi.dev/personal-loan-rates)
- [Credit Card Rates](https://rateapi.dev/credit-card-rates)
- [Credit Union Directory →](https://rateapi.dev/credit-unions)
- [Who Can Join](https://rateapi.dev/who-can-join)

### Deposits

- [Deposit & CD Rates →](https://rateapi.dev/deposit-rates)
- [CD Rates](https://rateapi.dev/cd-rates)
- [Savings Rates](https://rateapi.dev/savings-rates)
- [Money Market Rates](https://rateapi.dev/money-market-rates)
- [CD Rate Benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Deposit Beta](https://rateapi.dev/deposit-beta)

### Resources

- [Should I Refinance?](https://rateapi.dev/should-i-refinance)
- [When to Lock Your Rate](https://rateapi.dev/when-to-lock-your-rate)
- [Auto vs Personal Loan](https://rateapi.dev/auto-loan-vs-personal-loan)
- [Pricing →](https://rateapi.dev/pricing)
- [Use Cases](https://rateapi.dev/use-cases)
- [AI Integration](https://rateapi.dev/ai)
- [AI Guides →](https://rateapi.dev/ai-guides)
- [Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto Loan Benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC Benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal Loan Benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [Data Methodology](https://rateapi.dev/methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Datasets →](https://rateapi.dev/credit-union-rate-dataset)

### Compare

- [Credit Union vs Bank Mortgage Rates](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit Union vs Bank Auto Loan Rates](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit Union vs Bank HELOC Rates](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit Union vs Bank CD Rates](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage Rate API Comparison](https://rateapi.dev/compare/mortgage-rate-apis)

### Company

- [About](https://rateapi.dev/about)
- [What is RateAPI?](https://rateapi.dev/what-is-rateapi)
- [Mortgage Rate API Guide](https://rateapi.dev/what-is-mortgage-rate-api)
- [Auto Loan Rate API Guide](https://rateapi.dev/what-is-auto-loan-rate-api)
- [FAQ](https://rateapi.dev/faq)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Contact](https://rateapi.dev/contact)
- Are you a real estate agent or lender?

### Developers

- [Developer Portal →](https://rateapi.dev/developers)
- [API Reference](https://api.rateapi.dev/)
- [OpenAPI Spec](https://api.rateapi.dev/openapi.json)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [MCP Server](https://rateapi.dev/mcp)
- [Embed Widgets](https://rateapi.dev/widget-docs)
- [Versioning & Deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

© 2026 RateAPI | [llms.txt](https://rateapi.dev/llms.txt)

Credit Unions Near 76701 (Waco, TX) — 25 Nearby, Aug 2026 | RateAPI

---

Source: https://rateapi.dev/credit-unions/near/76701
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp