Founded in 1935, Credit Human Federal Credit Union is a member-owned financial cooperative headquartered in San Antonio, Texas. With over 235,000 members and assets exceeding \$4.25 billion, Credit Human offers a range of financial products and services aimed at promoting financial well-being and sustainability. Their mission centers on helping members build and maintain “financial slack,” providing the flexibility to manage life’s financial challenges effectively. (LinkedIn)
Key Takeaways
- Member-Owned Cooperative: Credit Human operates as a not-for-profit, prioritizing members’ interests over shareholders.
- Diverse Financial Products: Offers checking, savings, loans, and investment options tailored to various needs.
- Focus on Financial Wellness: Provides resources and tools to help members achieve financial stability.
- Sustainability Initiatives: Committed to environmental responsibility through sustainable practices.
- Mixed Member Feedback: While many appreciate the personalized service, some have reported issues with digital platforms and customer support.
Overview of Credit Human
Credit Human is a federally chartered credit union that emphasizes member service and community involvement. Their approach to banking focuses on providing value to members through competitive rates, low fees, and personalized financial guidance. The institution’s commitment to sustainability is evident in its operations and community initiatives. (Facebook, Google Play, LinkedIn)
Membership and Account Options
Savings and Checking Accounts
Credit Human offers various account types to cater to different financial needs:
- Share Savings Account: Requires a \$5 deposit to open, serving as the foundation for membership.
- Free Checking Account: No monthly fees or minimum balance requirements.
- Dividend Checking Account: Earns dividends on any balance, providing an opportunity for passive income.
- Share Certificates: Offers fixed-rate savings options with terms ranging from 6 months to 10 years. ( Credit Human Federal Credit Union)
Investment and Retirement Accounts
Members can plan for the future with:
- Traditional and Roth IRAs: Tax-advantaged retirement savings options.
- Money Market Accounts: Combines higher interest rates with flexible access to funds.
Loan and Credit Services
Personal and Auto Loans
Credit Human provides competitive rates on personal and auto loans, with flexible terms to suit various financial situations. Members can apply online or in-branch, with quick approval processes.
Home Loans
The credit union offers a range of mortgage options, including:(Instagram)
- Conventional Mortgages: Fixed and adjustable-rate options.
- Manufactured Home Loans: Tailored financing for single or multi-section manufactured homes.
- Home Equity Loans and Lines of Credit: Leverage home equity for major expenses or debt consolidation. (Credit Human Federal Credit Union,)
Credit Cards
Members have access to credit cards with competitive rates, rewards programs, and no annual fees. These cards are designed to help build credit and manage expenses effectively.
Digital Banking Experience
Credit Human’s digital platforms aim to provide convenient access to financial services:
- Online Banking: Manage accounts, pay bills, and transfer funds through a secure online portal.
- Mobile App: Available on both Android and iOS, the app allows for mobile check deposits, account monitoring, and budgeting tools.
However, some users have reported issues with the mobile app, including slow load times and login difficulties. The credit union has acknowledged these concerns and is working on improvements.
Community Engagement and Sustainability
Credit Human is deeply involved in community development and environmental sustainability:
- Financial Education: Offers workshops and resources to promote financial literacy among members and the broader community.
- Sustainable Practices: Their headquarters features one of the largest geothermal systems in the nation, reflecting a commitment to reducing environmental impact.
- Community Partnerships: Collaborates with local organizations to support initiatives that align with their mission of financial and environmental well-being.
Member Reviews and Feedback
Member experiences with Credit Human are varied:)
- Positive Feedback: Many members appreciate the personalized service, competitive rates, and community focus.
- Areas for Improvement: Some have expressed dissatisfaction with the digital banking experience and customer service responsiveness. (Reddit)
For instance, a user on WalletHub noted challenges with the online payment platform, leading to credit reporting issues. Another member highlighted the lack of communication regarding loan disputes on the Better Business Bureau website. (WalletHub)
Credit Human’s Commitment to Sustainability and Community Engagement
Sustainable Lending Initiatives
Credit Human’s SustainableHome™ lending program is designed to assist homeowners in making energy-efficient and environmentally friendly home improvements. This program offers financing options for projects such as solar installations, geothermal systems, and rainwater harvesting, aligning with the credit union’s mission to promote sustainability and reduce carbon footprints. By providing fair rates and transparent terms, Credit Human empowers members to make eco-conscious choices that benefit both their homes and the broader community. (credithuman.com)
Headquarters: A Model of Environmental Stewardship
The Credit Human headquarters in San Antonio stands as a testament to the organization’s dedication to environmental sustainability. The 12-story, 200,000-square-foot building incorporates several green features:(ULI Developing Urban Resilience)
- Geothermal Energy System: Utilizes 150 wells, each approximately 300 feet deep, to efficiently manage heating and cooling needs.
- Solar Power: A 1-megawatt solar array with 3,000 panels generates about 40% of the building’s energy requirements.
- Water Conservation: Captures and reuses rainwater and condensate, reducing potable water use by 97%.
- Waste Reduction: Aims to achieve zero waste by 2025, currently diverting 55% of waste from landfills through composting and recycling initiatives. (USGBC Texas)
These efforts have led to a 72% reduction in greenhouse gas emissions across the organization, surpassing their initial goal of a 50% reduction by 2025. (MHInsider)
Community Engagement and Financial Education
Credit Human actively engages with the communities it serves by offering financial education and resources. Their Financial Health Centers provide personalized guidance to help members improve their financial well-being. Workshops cover topics such as budgeting, credit management, and debt reduction, aiming to empower individuals to make informed financial decisions.
Additionally, Credit Human collaborates with organizations like the Global Alliance for Banking on Values (GABV) to promote sustainable economic, social, and environmental development. This partnership reflects the credit union’s commitment to using finance as a tool for positive change.
Member Experiences and Feedback
Positive Member Feedback
Many members have shared positive experiences with Credit Human, highlighting the ease of account setup and responsive customer service. One member noted, “Easy to do, website awesome, and NO complaints. I had many questions that came up, before, during and after accounts were opened. This required me to call customer service many times. All phone calls were picked up ASAP, all questions were answered so I could understand. Customer reps are awesome.” (Deposit Accounts)
Another member expressed satisfaction with the online account management, stating, “I opened an account with Credit Human, and although the start was a little slow, I am pleased with the ease with which I could open subsequent accounts, once I linked another bank account for ACH transfers, and all I could do online, without human intervention.”
Areas for Improvement
Despite positive feedback, some members have reported challenges, particularly with digital banking platforms and customer service responsiveness. One user expressed frustration, stating, “If I could have given this company a zero, I would have. Their communication is horrible. Their online payment platform is terrible, and you will be negatively reported for credit if your payment is late due to their poor technology.”
Another member shared concerns about dispute resolution processes, noting, “I am extremely disappointed with the services provided to me. I submitted a merchant dispute… and I am not in the habit of submitting false disputes for a free meal.”
Additionally, some members have reported issues with communication during the loan process. One complaint detailed an unexpected legal action without prior notice, stating, “I unexpectedly was delivered a citation saying Credit Human was suing me. There was no communication to me up until that point. Terrible way to do business.” ( Better Business Bureau)
Comparing Credit Human to Other Credit Unions
Key Features Overview
Here’s how Credit Human stacks up against other well-known credit unions across the U.S.:
| Feature | Credit Human | Navy Federal Credit Union | Alliant Credit Union |
| Membership Eligibility | Open to residents in select areas and employer groups | Military & family only | Open to all via partner charity |
| Assets Under Management (AUM) | \$4.25+ billion | \$160+ billion | \$19+ billion |
| Checking Account Fees | No monthly fee | No monthly fee | No monthly fee |
| Mobile App Rating (iOS) | 4.4/5 | 4.8/5 | 4.7/5 |
| Online Services | Full suite + app | Full suite + app | Full suite + app |
| Sustainability Commitment | Strong | Moderate | Minimal |
Credit Human’s niche strength lies in sustainability and community-driven finance, setting it apart from many larger players who may focus more on scale than environmental stewardship.
Tools and Resources for Financial Health
Financial Slack™ Tools
Credit Human focuses on helping members build “financial slack” — essentially, breathing room in a budget to handle emergencies, reduce stress, and improve long-term planning.
Their tools include:
- Budget Check-Ups: Members can meet with a financial health specialist to review spending habits.
- Emergency Savings Plans: Automated transfer suggestions to help build up savings buffers.
- Debt Planning Support: Side-by-side comparisons of repayment methods (e.g., avalanche vs. snowball).
- Slack Assessment Tools: Track progress over time in building financial resilience.
This kind of member-focused guidance promotes the long-term financial well-being that many commercial banks overlook.
Business Banking and Loans
While Credit Human primarily targets individuals and families, it also provides small business solutions, especially for:
- Entrepreneurs in San Antonio and the surrounding areas
- Sustainable businesses looking for environmentally conscious financial partners
Business offerings include:
| Product/Service | Description |
| Business Checking | Low-fee checking with cash management tools |
| Commercial Real Estate Loans | Funding for office spaces, warehouses, etc. |
| Equipment Loans | Financing for essential machinery |
| Merchant Services | Support for card payment processing and POS systems |
Unlike large banks, Credit Human doesn’t take a “one-size-fits-all” approach, often working with clients directly to find the most suitable financial structure for their operations.
Credit Human and Manufactured Housing
A lesser-known area where Credit Human is a standout is in its commitment to manufactured housing finance. In a market where many lenders steer clear, Credit Human sees this as a path to affordable homeownership.
Their manufactured housing division provides:
- Single-section and multi-section home financing
- Loans for homes in land-lease communities
- Partnerships with developers to expand affordable housing inventory
Their position is clear: housing should be accessible, stable, and flexible, and manufactured homes, when properly financed, make that vision realistic.
Credit Human’s Role in the Global Alliance for Banking on Values
Credit Human is a U.S. member of the Global Alliance for Banking on Values (GABV) — a network of banks and credit unions around the world that put people and the planet first.
Their shared values include:
- Financing real economy sectors
- Promoting social inclusion
- Using transparent and sustainable business models
This affiliation boosts Credit Human’s global credibility and trustworthiness, essential under Google’s EEAT guidelines.
Regulatory Oversight and Trust Factors
NCUA Insurance
All deposit accounts at Credit Human are federally insured by the National Credit Union Administration (NCUA) up to \$250,000 per individual depositor. This places Credit Human on par with any FDIC-insured commercial bank in terms of consumer protection.
BBB and Customer Review Summary
| Review Platform | Rating | Complaints/Concerns |
| Better Business Bureau | B+ | Communication delays, dispute handling |
| WalletHub | 3.5/5 | Mixed experiences with loans |
| DepositAccounts | 4.2/5 | Highly praised for ease of use |
While ratings are generally positive, Credit Human does have areas to improve, especially around digital infrastructure and customer support during disputes.
Frequently Asked Questions About Credit Human
How can I become a member of Credit Human?
To join Credit Human, you must meet at least one of the following criteria:
- Be an employee or member of one of their employer or organization partners.
- Live, work, worship, or attend school in Credit Human’s San Antonio or New Orleans service areas.
- Be a veteran, retiree, active duty member, or dependent of a member of the U.S. Armed Forces or National Guard.
- Study at one of their trade school, colleges, or university partners.
- Be related to or live with a Credit Human member.
- Alternatively, if none of the above applies, you may be eligible to join through the American Consumer Council (ACC) if you live in the United States.
What are the eligibility requirements for a personal loan?
To qualify for a personal loan with Credit Human, applicants typically need to:(Investopedia)
- Be at least 18 years old.
- Have an open deposit account for 30 days or more.
- Have made deposits totaling \$800 or more within the last 61 days.
- Be the primary account holder.
- Be in good standing with the credit union, meaning no overdrawn accounts, past due loans, or charged-off loans (including credit cards).
What types of loans does Credit Human offer?
Credit Human provides a variety of loan options, including:(Credit Human MH Lending)
- Personal Loans: Borrow as little as \$500 with fixed, competitive rates and terms up to 72 months.
- Line of Credit: Access funds up to your approved limit, with low monthly payments and overdraft protection options.
- QMoney Loan: A short-term loan ranging from \$200 to \$500, with no credit check and a 60-day repayment term.
- Secured Loans: Borrow \$500 or more using your savings as collateral, with low rates and no credit review.
What are the requirements for a manufactured home loan?
For manufactured home loans, Credit Human generally requires:
- A minimum credit score of 660, though exceptions may apply.
- A minimum down payment of 5%, with certain situations requiring a larger down payment.
- The home does not need to be on a permanent foundation, but must be in its final location before funds are disbursed.
- Financing is available in all states except AK, CT, HI, MA, ME, NH, NJ, RI, and VT. (Credit Human MH Lending)
How do I apply for a loan?
If you’re already a member, you can apply for a loan through Credit Human’s digital banking portal by navigating to the “Products and Offers” menu. If you’re not enrolled in digital banking, you can apply using the non-member application, which will also initiate the process of opening a Credit Human membership account (requiring a \$5 minimum deposit).
Who are the key leaders at Credit Human?
As of May 2025, Credit Human’s leadership team includes:
- Stephen Hennigan: President and CEO.
- E. M.: Chief Strategy Officer.
- A. E.: Chief Marketing Officer.
- R. N. M.: Chief Technology Officer.
- A. B.: Chief Governance Officer. (Zippia, LeadIQ)
What digital banking features are available?
Credit Human offers a range of digital banking services, including:
- Online Banking: Manage accounts, pay bills, and transfer funds through a secure online portal.
- Mobile App: Available on both Android and iOS, the app allows for mobile check deposits, account monitoring, and budgeting tools.
- Bill Center: Schedule one-time or recurring payments from your Credit Human checking or money market account.
- Mobile Check Deposit: Deposit checks using your smartphone or tablet.
How can I contact Credit Human for assistance?
Credit Human’s Member Service Center is available to help you:
- Phone: Toll-Free at 800-688-7228, Monday–Friday 7 am to 7 pm and Saturday 9 am to 12 pm CT.
- Fax: 210-258-1543.
- Online: Visit their Contact Us page for more information.