Online Banking

3808 Hwy 377 S
Brownwood, Texas 76801
Local: 325-646-4571
Fax: 325-646-4872


We offer a variety of accounts and products to fit your needs – whether you are looking to get a checking account with rewards or starting a savings account for the newest addition to your family.  We are confident that you will find our products perfect for you and your financial needs no matter the stage of life you are at.

MTFCU Checking Accounts are a great way to manage and protect your money

All MTFCU checking accounts offer:

Now, just choose the right checking account that’s right for you

Premier Checking Accounts

Premier Plus Checking

1 ELIGIBILITY: IDProtect service is a personal identity theft protection service available to personal checking account owner(s) and their natural person joint account owner(s).  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. 
2 Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Guide to Benefit is enclosed.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

MTFCU E-Checking account

Direct Deposits and Payroll Deduction

Direct Deposit and payroll deduction offer convenience and peace of mind. With these features, you will never again have to worry about your check being lost or stolen. You will also avoid long lines and know your deposit or payment will reach the credit union on time even if you are out of town.

This is a valuable service that enables you to have the entire amount of a regularly recurring check deposited directly to your account (s) at Mid-Tex FCU.

It is available in most cases to anyone receiving the following payments:

  • Paycheck

  • Social Security

  • Supplemental Security Income

  • Railroad retirement

  • Civil Service retirement

  • Army active duty, retirement and reservist

  • Air Force active duty and retirement

  • Navy retirement

  • Federal salary

  • Veteran's Administration compensation and pension

Payroll Deduction

With Payroll Deduction, you can earmark a certain amount from your paycheck to be deposited into your savings account, checking account or to make loan payments. Even more, you can use Payroll Deduction to build up your savings account or Christmas club savings account.

Before your paycheck does a disappearing act, pay yourself first with Payroll Deduction .

Contact your payroll office or the credit union to set up Direct Deposit or Payroll Deduction. (Note that a special code is needed from the credit union so please call us at (325) 646-4571 or stop by at 3808 Hwy 377 South in Brownwood Texas).

Kidz Klub Shares

  •    Mid-Tex FCU offers its youngest members a share account of their own, called “Kidz Klub Shares”.
  •    These fun account are for available for young ones 12 years of age and younger. 
  •    Must maintain a minimum balance of $25. *Account can be opened with only $5, but must be brought up to $25 within 6 months.
  •    Kidz Klub members will receive a t-shirt and a piggy saver to enable them to start saving money for their
       Kidz Klub account.
  •    Staff will host at least 2 parties per year for all Kidz Klub members.
  •    Being a Kidz Klub member is a great way to learn the value of saving money.


  • Savings insure your future, intermediate and long-range, against unpleasant surprises that confronts all of us from time to time.
  • Savings can also provide "extras" without draining your regular budget.

Mid-Tex Federal Credit Union offers a wide variety of savings plans to meet the varying needs of members. All accounts are fully insured to an aggregate of $250,000 per member by the National Credit Union Administration (NCUA), a U.S. Government agency.

Share Accounts

  • The Share Account is your passbook-type savings account and with your minimum deposit of $25.00 you are purchasing a share of the Credit Union. These accounts are the foundation of the Credit Union and make the depositor a voting member/owner. With the $25.00 deposit, the member is then eligible to apply for other credit union services.
  • Competitive dividends are paid quarterly for regular share accounts on the last day of each quarter.

Christmas Shares

  • Christmas Shares are a great way to save for Christmas. You may make deposits to this account on your own or have a certain amount of your payroll deduction automatically deposited for you.
  • Christmas Share dividends will be paid each month, at a slightly higher rate than regular Shares.
  • The Monday before each Thanksgiving the credit union will disburse your Christmas share funds to you.

Share Certificate

  • Share Certificates - (CDs) - offer a higher-yield time deposit alternative to a traditional savings account. Any certificate may be opened with a minimum deposit of $500.00. Many options are available including terms from 12 months to 48 months and our savings counselors will help you choose the plan tailored to your financial goals. Call the Member Services Department for current rates and yields.
  • APY=Annual Percentage Yield

    For Certificates of Deposit the following provisions apply: The stated Annual Percentage Yield (APY) assumes that dividends remain in the account until maturity.

    Mid Tex Federal Credit Union imposes a penalty if you withdraw any of the funds before the maturity date. Please refer to your Certificate of Deposit Disclosure for further information.



Routing Number: 311978164