Business Details
Your Local Credit Union for Personalized Banking
City Public Service/IBEW Federal Credit Union has dedicated itself to providing accessible and affordable financial solutions for CPS Energy employees and their families. With two convenient downtown San Antonio locations and a no-fee ATM network, we offer free checking accounts, credit cards with no annual fees, and a $5 minimum deposit requirement to open a Regular Share Account. Our services include competitive auto loans with rates starting at 4.49% APR, personal loans for unexpected expenses or major purchases, and credit cards featuring rates as low as 8.9% APR. We prioritize member satisfaction through flexible financing options like 60-day payment deferrals on auto loans and balance transfer programs with introductory 2.9% APR offers.Our digital banking platform provides free credit score monitoring through SavvyMoney, empowering members to manage their financial health securely. As a member-owned institution, we maintain transparency with no hidden fees and ensure all services align with the unique needs of our community. Our team combines industry expertise with personalized service to deliver reliable financial products tailored to our members' evolving requirements. Through our referral program, we reward loyalty while expanding access to quality financial services for extended families of existing members. This commitment to community-driven banking has established us as a trusted financial partner for thousands of local households.
Services
Auto Loans
Credit Cards
Personal Loans
Free Checking
Credit Monitoring
Balance Transfers
Fast Cash Loans
Vehicle Financing
Loan Refinancing
Mobile Banking
Highlights and features
- We offer free checking accounts with no hidden fees
- Our auto loan rates start at 4.49% APR with 60-day payment deferral options
- We provide credit cards with no annual fees and rates as low as 8.9% APR
- Our SavvyMoney tool offers free credit score monitoring and financial insights
- We exclusively serve CPS Energy employees and their families with tailored solutions
Services
Auto Loans
Our auto loans feature competitive rates starting at 4.49% APR with 1% discounts available. Members can access 60-day payment deferrals and potential tax deductions under the ONE Big Beautiful Bill Act. Loan amounts start at $10,000 for new or used vehicle purchases and refinancing from other lenders.
Credit Cards
No annual fee credit cards with rates as low as 8.9% APR offer 25-day grace periods and fast approval. Balance transfer options include 2.9% introductory APR for 6 months. Single Sign-On integration allows seamless management through our mobile banking app.
Personal Loans
Flexible personal loans with fixed payments start at 8.00% APR. Available for terms up to 12 months, these loans serve various needs including holiday expenses, home improvements, and emergency repairs. Fast approval processes ensure timely access to funds.
Fast Cash Loan
Unsecured $750 loans require no credit check with 24% APR and 6-month terms. A $20 application fee applies with quick approval for members needing immediate financial assistance. These loans provide accessible credit for urgent cash requirements.
Credit Monitoring
SavvyMoney provides free credit score monitoring with personalized improvement tips and real-time alerts. This service includes credit report summaries, score simulators, and tailored loan offers to help members enhance their financial health through our secure mobile app.
People
Edna Narum
Chief Financial Officer
Edna Narum leads financial operations at CPS IBEW FCU, bringing extensive experience in credit union management. She oversees all financial activities while fostering a collaborative environment that prioritizes member service excellence and operational efficiency.
Questions
Who is eligible to join CPS IBEW FCU?
Our credit union exclusively serves CPS Energy employees and their families, including immediate and extended relatives.
What identification do I need to open an account?
You'll need two valid forms of ID, such as a Social Security card, driver's license, or passport.
Do you offer mobile banking services?
Yes, our mobile app provides full account access including payments, transfers, and credit score monitoring.
What loan payment options are available?
We offer 60-day payment deferrals on auto loans and flexible repayment terms for personal loans.
How can I access credit score monitoring?
SavvyMoney credit monitoring is available through our Home Banking portal and mobile banking app.
Do you charge ATM fees?
We provide free access to Allpoint Network ATMs at major retailers nationwide with no transaction fees.
