Cosden Credit Union400 E MARCY DR, BIG SPRING, TX · Main Office

BIG SPRING, TX
(432) 264-2600
NCUA Insured

About Cosden

This main office of Cosden is located at 400 E MARCY DR in BIG SPRING, Texas, and can be reached at (432) 264-2600. Cosden is a federally insured financial cooperative serving the BIG SPRING, Texas community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in BIG SPRING or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the BIG SPRING area.

This is the main headquarters location, managing all branch operations and member services for the institution.

Key Member Benefits

  • Payday Alternative Loans (PALs)

    Borrow small amounts at fair, regulated rates to manage short-term cash needs without getting trapped in debt.

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

400 E MARCY DR

BIG SPRING, TX 79720-5714

Lobby Hours
Closed

The credit union lobby is currently closed.

Today: 10am-5pm

SundayClosed
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday10:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
Saturday10:00 AM - 1:00 PM

Need Funds Before You Join?

How to Join

Membership at Cosden is typically open to individuals who live, work, worship, or attend school in BIG SPRING and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (432) 264-2600 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Cosden typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is Cosden federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of BIG SPRING, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Credit Unions Near Me in Other Texas Cities

Looking for credit unions near me in other Texas cities? Browse credit unions in nearby locations:

View all credit unions in Texas

If Cosden Credit Union isn't the right fit

To borrow from Cosden Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Texas. Applying is quick, and funds may be available as soon as the next business day after approval.

Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.