Question 1

What is Highway District 19 Employees Credit Union (TX)?

Accepted Answer

Highway District 19 Employees Credit Union is a small, member-focused state-chartered credit union serving employees of the Texas Department of Transportation (TxDOT) in the Atlanta District. Located in Atlanta, Texas, this credit union operates with approximately $7.4 million in total assets and serves around 1,463 members as of Q3 2025.

The credit union is classified as a FISCU (Federal Insurance State Credit Union), meaning it is state-chartered but federally insured by the National Credit Union Administration. With a well-capitalized status and a net worth ratio of 20.12%, the credit union maintains strong financial stability.

Question 2

When was Highway District 19 Employees Credit Union (TX) founded?

Accepted Answer

Highway District 19 Employees Credit Union was founded in 1961 to serve the employees of what was then known as Highway District 19, a division of the Texas highway system. The credit union was established during a period when many state employee credit unions were being formed to provide accessible financial services to public sector workers.

Over its 60-plus years of operation, the credit union has remained committed to its original mission of serving transportation department employees in northeast Texas. The credit union has adapted to changes in the Texas highway system structure while maintaining its focus on serving the Atlanta District of TxDOT.

Question 3

Where is Highway District 19 Employees Credit Union (TX) headquartered?

Accepted Answer

The credit union is headquartered in Atlanta, Texas, with its physical branch located at 202 N Louise St, Atlanta, TX 75551. The mailing address is PO Box 1085, Atlanta, TX 75551.

Atlanta serves as the administrative center for TxDOT's Atlanta District, making it an ideal location for a credit union serving district employees.

Question 4

Where does Highway District 19 Employees Credit Union (TX) operate?

Accepted Answer

Highway District 19 Employees Credit Union operates primarily in the Atlanta District of TxDOT, which encompasses nine counties in northeast Texas: Bowie, Camp, Cass, Harrison, Marion, Morris, Panola, Titus, and Upshur counties.

The credit union maintains a single branch location in Atlanta, Texas. Membership is restricted to employees and officials of the Texas Department of Transportation's Atlanta District and their immediate family members, reflecting its specialized occupational field of membership.

Question 5

What services does Highway District 19 Employees Credit Union (TX) offer?

Accepted Answer

Highway District 19 Employees Credit Union provides essential financial services tailored to its member base, including:

Savings and Share Accounts: Traditional share accounts that serve as the foundation of credit union membership, allowing members to build savings with competitive dividend rates.

Checking Accounts: Transaction accounts for day-to-day banking needs.

Consumer Loans: Personal lending products including signature loans, auto loans, and recreational vehicle loans to help members finance major purchases.

Member Financial Services: Personalized service with a small staff dedicated to understanding members' individual financial needs and circumstances.

The credit union operates without a public website, emphasizing in-person and phone-based service delivery to its membership.

Question 6

What makes Highway District 19 Employees Credit Union (TX) unique?

Accepted Answer

Occupational Focus: The credit union serves a highly specialized membership base—employees of a single TxDOT district—creating a close-knit community of members with shared professional backgrounds in transportation and highway maintenance.

Long-Standing Stability: With over 60 years of continuous operation and a well-capitalized status, the credit union has demonstrated remarkable longevity despite its small size, maintaining a net worth ratio exceeding 20%.

Personalized Service Model: Operating with approximately four full-time employees serving around 1,500 members, the credit union provides a high level of personal attention and relationship-based banking that larger institutions cannot match.

Strong Loan Portfolio: With a loan-to-share ratio exceeding 100%, the credit union actively fulfills its mission of providing credit to members, demonstrating its commitment to lending despite deposit challenges in recent quarters.

Question 7

What type of financial institution is Highway District 19 Employees Credit Union (TX)?

Accepted Answer

Highway District 19 Employees Credit Union is a state-chartered credit union (FISCU - Federal Insurance State Credit Union) regulated by the Texas Credit Union Department and insured by the National Credit Union Administration.

As a credit union, it operates as a not-for-profit financial cooperative owned by its members. Each member has equal voting rights regardless of account balance, embodying the democratic principle of "one member, one vote." Membership is restricted to employees of the Texas Department of Transportation's Atlanta District and their immediate family members.

The credit union is supervised by the NCUA Region 2 and maintains its NCUA charter number 60491. It operates under Texas state credit union laws while meeting federal insurance requirements, providing members with up to $250,000 in share insurance through the National Credit Union Share Insurance Fund (NCUSIF).

Question 8

What is the TxDOT Atlanta District?

Accepted Answer

The TxDOT Atlanta District is one of 25 districts operated by the Texas Department of Transportation, responsible for planning, designing, building, operating, and maintaining the state transportation system across nine northeast Texas counties.

The district employs approximately 282 TxDOT staff members and manages 6,456 lane miles of highway infrastructure. Major corridors in the district include Interstate 30, Interstate 20, US Highway 59 (future Interstate 369), and US Highway 82, serving a regional population of over 320,000 residents.

The district headquarters at 701 E. Main Street in Atlanta, Texas, serves as the administrative hub for highway maintenance, construction projects, and transportation planning throughout the region.

Highway District 19 Employees Credit Union (TX)

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Highway District 19 Employees Credit Union (TX) in the United States