(210) 593-3710 (210) 593-1222 9110 IH 10 West Suite 100, San Antonio, TX 78230 Holiday Schedule

Deposit Accounts


Whether it’s a lifelong dream or a weekend getaway, TAP FCU offers a variety of great savings options to help you get there. They’re all NCUA-insured, so you know your money is safe. Our deposit accounts let you earn competitive interest rates while keeping your money totally liquid so you can get to it when you need it.


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Federally Insured Accounts

Share accounts are insured to $250,000 by the National Credit Union Administration, a U.S. government agency.


Regular Share (Savings) Accounts

Depositing a set amount regularly into your share (savings) account will provide you with a feeling of security when emergencies arise. Deposits can be made in person, ATM located at the upper entrance of SABOR, through the drive-thru, or by mail (please don’t send travelers checks or cash by mail). Savings in TAP FCU can also be used as security for a loan at a more attractive rate (this is called a share secured loan). Dividends are paid quarterly on balances over $100.00.


Share Draft (Checking) Accounts

Personal and Business checking accounts are available. Dividends are paid monthly on the first day of each month. The minimum daily average balance to earn a dividend is $500. The first check order (100 checks) on personal account is provided free.


Share Certificates

Certificates are available for terms of three months, up to 5 years. The minimum certificate amount is $500 and dividends compound monthly.


Traditional IRA and Roth IRA

Accounts can be opened with a minimum deposit of $50. IRA and Roth IRA Certificates are available for 1 - 5 years. The minimum IRA – Roth IRA certificate amount is $1,000. The credit union also has available IRA’s under the SEP (Simplified Employee Pension) Plan available.


Escrow Accounts

This is an operational account for the purpose of providing members a separate account to deposit escrow funds, security deposits, etc. so as not to commingle those funds with other types of deposits. Escrow Checking is also available. Funds in these accounts are not paid a dividend. Call the credit union office for more information on these accounts.


Youth Accounts

TAP FCU offers just the right program for the younger members of your family. Kirby Kangaroo Club offers activities and games suited for children up to the 12 years of age. Our CUSucceed program is designed for teenagers between the ages of 13 and 17 years of age and offers a teen newsletter and web site with financial education in mind. Learning to manage your financial choices can be fun! Our On Your Way program is suited for young adults between the ages of 18 and 33. Learn how to prepare for your first mortgage or perhaps purchasing a new auto – all this and more with a dedicated website for our young adult members.

With programs to meet the needs our younger members at every stage of growing up, it’s easy to learn the importance of good financial habits that last a lifetime.

Loan Services


Loans at your credit union are low cost. Don’t take our word for it–shop before you borrow! TAP FCU has no prepayment penalties, hidden costs or add-on charges of any kind to the contract.


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Consumer Lending

Numerous types of loans are available to include: Secured such as auto, boat, motorcycle, motor home, and business equipment; and Unsecured such as vacation, bill consolidation, MasterCard, and line of credit.


Real Estate Lending

We specialize in interim construction lending. The credit union also offers great Portfolio programs to include First Mortgages and land loans. Call or come by the credit union to get more information on our programs.


Visa

Visa credit cards are available at TAPFCU. No annual fee is assessed and no interest is charged on purchases when the complete bill is paid by the due date. Earn valuable rewards in a variety of different ways!

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Insurance Coverage

Optional Loan Protection (Credit Life and Credit Disability) insurance is available. Contact the credit union for details on these valuable insurance plans.

Online Services


Here at TAP FCU, we strive hard to make our services available to our members in every way possible. Our free Online Services are available 24 hours a day, seven days a week, giving you the ability to do business with us whenever it is convenient for you.


real time home banking

Real Time Home Banking

Bank on your time wherever you are! With Real Time Home Banking you can manage your finances on both desktop and mobile!

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Bill Pay

Enjoy the convenience of paying all of your bills online without paying a fee or buying stamps. If you work from a laptop or from a home computer, you can take advantage of Bill Pay. Making monthly payments has never been easier.


TAP Line

Our Voice Response System is available 24 hours a day, 7 days a week, including holidays. It allows TAP FCU members to complete a variety of transactions by calling 210.614.4255 or Toll Free 1.800.865.6325.

The TAP Line Allows TAP FCU Members a fast, easy-to-use service with any touch tone phone. All you need is your account number and your access code. The easy-to-follow instructions will guide you through the transactions you need to perform on your account.

TAP Line is a convenience offered to our members giving them time for the more important things in life.

Other Services


Along with savings, checking and loan services, TAP FCU offers a number of other services to its members. These services are simply meant to help enhance your benefits as a member of the Credit Union and they are available to you either for free or at a very minimal cost.


Cashier's Checks or Teller Checks

Cashier’s or Teller checks are available free of charge for withdrawals from escrow accounts. There is a $1 charge for Cashier’s Check or Teller check withdrawals if it is not made payable to the member.


Reorder Checks

Reorder Checks

Once you are on Clarke American’s reorder page, click on the “How to Order” button and you will be walked through the easy and secure process!

Verify the Credit Union’s Routing Number (314091035) before completing your check reorder.

If you are not comfortable placing your check reorder online, feel free to contact a customer service representative to complete your order at 1-800-355-8123.


Save Time and Money with Direct Deposit

The credit union is set up to receive direct deposits and automatic debits electronically free of charge.


Debit Cards

TAP FCU offers a convenient way to pay for products and services – the TAP FCU Debit Card. No Annual Fees. Our debit card program also features an ATM fee reimbursement up to $15 / month.


Wire Transfers

A wire transfer is a fast, convenient way for members to transfer funds from their TAP FCU accounts to another financial institution. There’s no waiting or delays when the transfer is made, so you can be assured that the party on the other end has immediate access to the wired funds. Simply complete the Wire Transfer Request Form and fax it to (210) 593-1222.

Wire Transfer Request Form

Note: All wire transfers are irrevocable


ACH Origination and Wires

Your credit union can now help you schedule recurring payments, make credit union mortgage and car payments effortless. If you are a business owner, then you can reduce costs by sending payroll electronically.


Full-Service ATM

TAP FCU members now enjoy surcharge-free access to over 30 thousand CO-OP ATMS nationwide. Just look for the CO-OP designation at participating ATMS. Additionally, the full service ATM located at the upper entrance of SABOR is available 24/7 for your convenience. Members of TAP FCU enjoy free transactions at the SABOR ATM and will also receive up to $15 reimbursement of any foreign ATM fees per month. Our ATM offers deposit, withdrawal, transfer, and loan payment options.


Merchant Services

Business owners looking for an easier way to do business can stop looking elsewhere. In addition to business accounts, TAP FCU now offers the ability to provide Visa and MasterCard payment options to your customers. Inquire by phone or stop by our office for more information.


Sprint Discounts

As a credit union member, you can save money on Sprint Wireless Service. This credit union member program is available for individual or business plans which offer discounts. Additionally, you may qualify for discounts with other service providers because you are a credit union member. See the credit union for details.

Member Cellular Discounts with Sprint

Credit Union Auto Club

Discover Affordable Worry-Free Driving with Credit Union Auto Club! TAP FCU now offers Credit Union Auto Club, a roadside assistance program created exclusively for credit union members and provides unparalleled service and unprecedented value. Credit Union Auto Club offers a wide range of roadside assistance services and other travel-related benefits to keep you on the road. Click below for more information.

Credit Union Auto Club