EMV Chip debit cards are now available

New Chip Debit Cards are now available. A new card will be issued to you based on the month only of your current card expiration. However, if you would like to go ahead and convert to a new chip card please contact one of our staff and they will be happy to get one ordered for you.

 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


The credit union will close at 12:00 noon on December 24th for Christmas Eve, and will be closed all day December 25th in observance of Christmas Day. Happy Holidays!!

Going on Vacation or out of town? Let credit union staff know so we can ensure your debit card works for you.

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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.