As of now Red River has one ATM location that is functioning for our members. The ATM is located at their Summerhill office next to Texas High School. They have two ATMs onsite but the only one we can use is closest to the road.

They should have more ready for use after the holidays!

Thank your for your patience in this matter.


Some of you may have experienced trouble using your ATM/Debit card at various Red River FCU locations. As of now and until further notice their ATM services will not be available to our members. We along with Red River FCU sincerely apologize for the inconvenience this has or may cause any of our members.

For the time being please use any other local credit union or bank ATM to withdraw money. Any fee assessed by that financial institution’s machine will be refunded upon request of the member.

Once again we apologize.

Jennifer Abercrombie

 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

Holiday Closing! The credit union will be closed Monday, February 18, 2019 in observance of Presidents’ Day!


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.