A PrimeWay Membership Means Better Banking

At PrimeWay, you join a family—you aren’t just another account number. Our members are owners because we’re a not-for-profit financial cooperative. For over 80 years, our member-first mission has meant higher earnings, competitive rates, financial security and convenient account features for a better banking experience. We also offer the convenience of multiple retail center locations plus online and mobile banking access.

Become a Member

credit-union-membershipCredit Union Membership

When you bank with PrimeWay, you aren’t just a generic account number. We exist to enable your dreams and serve you. Because credit unions are not-for-profit, we pass profits on in the form of more competitive savings rates, low rate loans and lower fees. 

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online-mobile-bankingOnline & Mobile Banking

At PrimeWay, access your account 24/7 anywhere, anytime. With online and mobile banking you can manage your money on your desktop or mobile phone—make deposits, check balances, transfer money, pay bills, and much more.

convenient-locationsConvenient Retail Center Locations

PrimeWay has convenient retail center locations throughout Houston and Fort Bend. You also have access to over 50,000 no-fee ATMs Worldwide so you always have access to your money.

Find a Location

competitive-ratesCompetitive Rates

We’re a not-for-profit credit union, so our earnings go to serving our members with competitive rates. That means higher rates for checking, savings and CDs plus lower interest rates on loans, mortgages and credit cards. This means you save money!


Your account security is a top priority. PrimeWay is federally insured by the National Credit Union Administration (NCUA) for all deposits up to $250,000, so your money is always secure. Plus, we safeguard your account from fraud and online predators using the latest technology.

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Member Benefits Frequently Asked Questions

Mastercard® Debit Card

  • It looks like a credit card but works like a check by deducting the purchase amount from your checking account
  • Safer than cash and more convenient than checks

Learn more about the PrimeWay Mastercard® Debit Card.


  • Access your cash 24 hours a day from any Allpoint, Pulse or Cirrus ATM.
  • Save money by using a no-fee Allpoint ATM.
  • More than 55,000 Worldwide ATMs

Online & Mobile Banking

  • Experience free 24-hour online banking access to manage all your PrimeWay Federal Credit Union accounts
  • The PrimeWay mobile banking app means you have access from anywhere, anytime. You'll also have access to LifeSteps Wallet to manage receipts, budget and find shopping or hotel deals

Learn more about mobile apps available from PrimeWay.

Payment Manager

  • Paying your bills from the convenience of your personal computer
  • Set up automated payments and schedule future transactions

Digital Wallet

Use your mobile digital wallet for payments directly from your PrimeWay account, including the following:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Fitbit Pay


  • Receive statements in your inbox instead of your mailbox
  • No more paper statements to file
  • They're safer and and arrive quicker to your inbox

Telephone Banking

  • Free 24-hour access to your account(s) by calling (713) 529-LINK or (800) 60-M-LINK

Direct Deposit

  • Save time by having all or part of your paycheck automatically deposited to your account every payday.
  • Safe & Secure way to deposit your checks automatically

Payroll Deduction

  • Convenience of depositing just a portion of your paycheck into a separate account

Overdraft Protection

  • Overdraft protection can be established through your share account to transfer funds into the checking account in the event of a negative balance or non-sufficient funds checks
  • You are allowed overdraft protection transfers up to six times per month for a $6 fee per transfer
  • Overdraft protection is also available for members who wish to apply for a line of credit

Occasional Overdraft Privilege Service

Sometimes mistakes happen, for that reason PrimeWay Federal Credit Union may extend this service to qualified members over 18 years-old. After their checking account has been open more than 60 days and remains in good standing.

You may have forgotten to record a check, ATM withdrawal, debit, or ACH transaction. With this service we will generally allow your account to overdraft by up to $1000 (including the $30 fee per item). It may save you time and the embarrassment of dealing with a bounced check.

For complete details about the Occasional Overdraft Privilege service please review our Membership Agreement.

A $5 deposit in a savings account is all that's required to begin your membership with PrimeWay Federal Credit Union. Once the account is open, you have full and immediate access to all products and services that we offer.

You can open your account online in as little as 5 minutes or visit one of our Retail Center locations today.

We partner with dozens of leading businesses and organizations in the Greater Houston area. To receive an information packet about the benefits of becoming a partner company or to learn more about your company's eligibility, you can contact Michael Green at 713-799-6625 or request a call.

Absolutely! Once you establish membership, your spouse, children, grandchildren, parents, grandparents or siblings may join as well. It's as simple as them opening a savings account with an initial $5 deposit.