Welcome Home!

Welcome to our mortgage loan center for easy pre-qualification, custom rate, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed for  prequalification.

  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service and competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 830-538-3443.

Available Loan Types

We offer dozens of different loan types* to fit your unique needs including Conventional, FHA, VA, USDA, Jumbo, Low Down Payment, First Time Buyer and Cash-out Refinance, as well as Fixed and Adjustable terms to 30 years.

*Additional restrictions may apply

Ready to Get Started?


Apply Now


About Us

On July 1, 2007 the KCTA Federal Credit Union and the South Texas Credit Union merged to form the TexStar Federal Credit Union. Each of the former Credit Unions had been in existence for over forty years serving their original respective fields of membership – KCTA, the employees of the school districts of Karnes and surrounding counties, and South Texas, the employees of the Entex, later Centerpoint Energy Company. Over the years each of these two Credit Unions had also included other employment groups in their membership.

The decision to merge the two came as a result of the desire of each to offer more and better services to members. By combining the resources of the two Credit Unions and the fact that they already shared office space and management made the decision an easy one to make.

Since the merger TexStar Federal Credit Union has been working diligently to uphold the long tradition of dedicated service to its members. The quality service our members of KCTA and South Texas long ago came to expect is the same quality service we promise to continue offering to the membership of TexStar FCU.

Ready to Get Started?


Apply Now



Being experts in this industry, we hear a lot of different questions regarding payments, affordability and more. Below you will find a list of some of the best calculators to help you estimate the cost of your homebuying process and ensure you are applying with confidence.

Calculators made available for independent use only. We cannot guarantee their accuracy or their ability to apply to your current financial situation. We recommend you seek advice from qualified professionals regarding your finances.


Contact Us

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, contact us today.

Ready to Get Started?


Apply Now


TexStar Federal Credit Union (NMLS 809476) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.   |   Privacy Policy