East Texas Professional Credit Union
Headquarters
Po Box 6750
Longview, TX 75608
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2024 Overview
General Credit Union Information
East Texas Professional is an NCUA insured institution located in Longview, TX. It was founded in 1953 and has approximately $1196.11 millions in assets.
Who can join?
Membership in East Texas Professional Credit Union is available to all individuals who:
Live or work in Anderson, Angelina, Northern Cherokee, Gregg, Harrison, Henderson, Nacogdoches, Rusk, Smith and Upshur counties (Excluding those individuals who are members of an occupational credit union whose home office is located within these counties)
Are employed or certified to work in education, health care, professional fields, government/social services and students in Camp, Gregg, Harrison, Marion, Nacogdoches, Panola and Upshur counties
Are employed or certified to work in the education fields and students in the following cities: Daingerfield in Morris county; Hughes Springs and Avinger in Cass county (Student eligibility applies to students ages 17 or older)
Are receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within their field of membership
Are spouses of persons who died while within our field of membership
Are family members of an individual who is either a current member or is eligible for membership in East Texas Professional Credit Union (Family members include spouse, parents, grandparents, children, grandchildren, great grandchildren, brothers, sisters and in-laws)
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67761 |
| Date Established | 1953 |
| Assets | $1,196.11 million |
| Loans | $784.39 million |
| Deposits | $957.20 million |
| Capital | $221.91 million |
Field of Membership Restrictions
East Texas Professional Credit Union is open to the residents and people that maintain employment in the eligible Texas Counties that are listed on the credit union website, the employees, students, and certified professional within the credit union defined occupations, studies and professions within the counties specified on the website, persons retired from the credit union qualified fields, widows/widowers of deceased credit union members, and the family members of current members or eligible persons.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $1,000 | - |
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|
| 18 Mo CD
|
0.85% | $1,000 | - |
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|
| 24 Mo CD
|
0.90% | $1,000 | - |
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|
| 36 Mo CD
|
1.11% | $1,000 | - |
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|
| 48 Mo CD
|
1.21% | $1,000 | - |
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|
| 60 Mo CD
|
1.31% | $1,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.03% | $2,500 | $3,499 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for East Texas Professional
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: 1907 |
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NMLS ID: 491986 |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to East Texas Professional
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Branches
Below are East Texas Professional branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
EAST TEXAS PROFESSIONAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
East Texas Professional Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of East Texas Professional. 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
| East Texas Professional | U.S. Average |
|---|---|
| 6.68% | 6.97 |
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 December 31, 2023, East Texas Professional had $14,258,284 in non-current loans and $672,728 in owned assets. To cover these potential losses it had $221,910,171 in net worth and $1,667,894 in loans loss reserves. That gives it a Texas Ratio of 6.68%.
Net Worth
| East Texas Professional | U.S. Average |
|---|---|
| 18.51% | 13.62% |
East Texas Professional FCU has a net worth of 18.51% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for East Texas Professional
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