Red River ATM’s that are onsite (ATMS at the branches) are available for use. Offsite ATM replacements will be starting next week. You should be able to tell the difference in the new ATM’s versus the old ones. Here are a few features of these ATMS:

  1. Safety mirror to check blind spots while using the ATM
  2. Screen angle adjustment for optimum viewing from any vehicle
  3. Handicap accessible features
  4. Machines are chip enabled. Cards, with a chi will be held in the machine momentarily while the information on the chip is read. If the chip is damaged in anyway the card will decline and user will receive a message.
  5. These ATMS are touchscreen and may be sensitive to the rain. Rain drops on the screen may result in a message of “Touch Panel Input Error”. If this happens wipe away the rain and try again.

Again we appreciate everyone’s patience during this transition. If you have any questions please feel free to contact the credit union staff.

 Have you updated your account?

If you have had any changes in address, email address, telephone number, marital status, or beneficiaries since your account was opened, you may want to call us and verify we have your most current information. This will ensure you are receiving important information that may pertain to your account. To give you a peace of mind, simply give us a call at 903-798-3918 and we will be glad to check your account for you.

Ask us about Share Certificates!!

We are now offering Share Certificates with competitive interest rates. Give us a call for details.



The Morris Sheppard Texarkana Federal Credit Union is a member owned financial institution dedicated to satisfying the financial needs of our members and their families. Our commitment is to remain fiscally responsible: offering attractive rates for deposit accounts and loans while continually expanding our services for our members convenience – not only for today, but tomorrow as well. Each member is an OWNER, SAVER, and a potential BORROWER. Morris Sheppard Texarkana Federal Credit Union is a NOT-FOR-PROFIT financial organization formed under the concept of “PEOPLE HELPING PEOPLE”.


The Fair and Accurate Credit Transaction Act was signed into law on December 1, 2003, which gives all Americans the right to a FREE COPY of your credit report annually. We feel this is important for you to request a report of your credit annually. This will help ensure that all accounts reflected on your credit report are your accounts and that they are accurate.

To take advantage of this service, you can request your free credit report any of the following ways:

  1. On the internet at www.annualcreditreport.com
  2. By calling toll-free: 1-877-322-8228
  3. Mailing your request to:   Annual Credit Report Request Service    PO Box 105281     Atlanta, GA 30348-5281

Credit Union Hours:

Monday- Friday 9:00 am – 5:00 pm

Located at: 419 W 4th St,  Texarkana TX 75501

Upcoming Important Events

Annual Meeting will be March 28th at 5:30 pm in the council chambers at City Hall. Look forward to seeing you there.


Our hours of operation are Monday-Friday from 9:00am -5:00pm.

The credit union is open during the lunch hour, however, due to our small number of staff there will be times that our office will close for lunch. If we do have to close that time will be from 11:30-12:30. We apologize in advance for any inconvenience this may cause.