1.) Centex credit union ( Ennis Texas ) They offer ⬇️ - New auto - Used auto - Equipment - Tractors - Personal loans - Debt consolidation - Mortgage loans (First Lien) - Promotional loansContact a credit union They don’t really offer credit cards from my knowledge it’s a small credit union but they do have this master card offer a rate as low as 10.9%, no annual fee, and a 25-day grace period. Cash advances are at the same low rate as purchases. 2.) Neighboorhood credit union ( Waxahachie Texas ) They offer ⬇️ Loans like Line of Credit You can Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection. Can Use the funds in your savings, CD or Money Market account as security against the loans. And they also offer CREDIT CARDS Visa Signature Cash and a visa platium Rewards 1.50% cash back on all purchases - Earn 1.50% cash back on all of your purchases - No annual fee - interest rate between16.50% to 18.00% Visa Platinum Introductory rate of 1.99% APR 3.) Texas trust credit card ( Desoto , Texas ) They offer credit cards ⬇️ They have one called Secured credit this one is a credit builder card with a annual fee of $30 - Fixed Rate of 11.90% APR - Establish or Maintain Credit They also offer a business master card - Up to $25,000 - Rates as low as 9.90% APR - No Annual Fee - No Fee/Penalty Free Cash Advances - No Fee/Penalty Free Balance Transfers