C-t Waco Federal Credit Union


P.o. Box 20245
Waco, TX 76702
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

C-t Waco is an NCUA insured institution located in Waco, TX. It was founded in 1939 and has approximately $8.68 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3430
Date Established 1939
Assets $8.68 million
Loans $2.46 million
Deposits $8.18 million
Capital $0.47 million

Deposit Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for C-T WACO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.610% 3.500% 0.88 $3,438 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to C-T WACO
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Below are C-t Waco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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C-t Waco Locations

Climate Initiatives

C-T WACO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

C-t Waco Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of C-t Waco. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
C-t Waco U.S. Average
20.02% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, C-t Waco had $88,924 in non-current loans and $12,549 in owned assets. To cover these potential losses it had $469,982 in net worth and $36,903 in loans loss reserves. That gives it a Texas Ratio of 20.02%.

Net Worth
C-t Waco U.S. Average
5.41% 12.22%

C-t Waco FCU has a net worth of 5.41% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About C-t Waco

Branches and Savings

What is C-t Waco?

A federal credit union, registered with the NCUA under certificate #3430.
Learn more about credit unions here.

Is C-t Waco FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. C-t Waco is insured by the NCUA.

Who can join C-t Waco?

Please see Field of Membership information above for information on who is eligible to join.

What are C-t Waco's share account and share certificate rates?

C-t Waco's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is C-t Waco?

C-t Waco has total capital of $0.47 million. Full information on C-t Waco's financial position is located above.

Who owns C-t Waco?

Credit Unions are owned by their members.

Where are C-t Waco branches located?

See branch locations nearby.

Are C-t Waco ATMs Open 24/7?

Do C-t Waco ATMs accept cash deposits?

Can C-t Waco customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does C-t Waco have a mobile app?

Does C-t Waco have mobile deposit?

Does C-t Waco have quick pay?

How can C-t Waco transfer money to other banks or credit unions?

Does C-t Waco report to credit bureaus?

Does C-t Waco use Chexsystems?

Does C-t Waco use Equifax?

What is C-t Waco's toll free phone number?

What is C-t Waco's ACH Routing Number?

What is C-t Waco's SWIFT code?

Where can I find C-t Waco's wire transfer form?

What is the C-t Waco address for deposits?

What Products Does C-t Waco Offer

Does C-t Waco offer mortgages?

Compare mortgage rates here.

Does C-t Waco offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does C-t Waco offer auto and RV loans?

Compare auto loan rates here.

Does C-t Waco offer student loans or personal loans?

Compare personal loan rates here.

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