El Paso Area Teachers Federal Credit Union

Headquarters

12020 Rojas Dr
El Paso, TX 79936
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.02% →
1-Year CD 0.75% 1.45% →
2-Year CD 1.11% 2.86% →
5-Year CD 1.51% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

El Paso Area Teachers is an NCUA insured institution located in El Paso, TX. It was founded in 1936 and has approximately $864.52 millions in assets.

Who can join?

Individuals living or working in El Paso County are eligible for membership.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1409
Date Established 1936
Assets $864.52 million
Loans $695.52 million
Deposits $755.92 million
Capital $103.40 million
 

Field of Membership Restrictions

Membership is open to those living or working in El Paso County.

Deposit Rates - May 21, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.11% $100,000 $199,999 Learn More
36 Mo CD
1.21% $10,000 $14,999 Learn More
36 Mo CD
1.31% $100,000 $199,999 Learn More
48 Mo CD
1.31% $10,000 $14,999 Learn More
48 Mo CD
1.41% $100,000 $199,999 Learn More
60 Mo CD
1.41% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
3.00% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 21, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for EL PASO AREA TEACHERS

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



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
4.768% 4.690% 0.88 $2,252 $1,296 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to EL PASO AREA TEACHERS
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are El Paso Area Teachers 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:
San Diego,California


El Paso Area Teachers Locations



Climate Initiatives

EL PASO AREA TEACHERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

El Paso Area Teachers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of El Paso Area Teachers. 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
El Paso Area Teachers U.S. Average
8.82% 4.85

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, 2021, El Paso Area Teachers had $9,475,964 in non-current loans and $190,184 in owned assets. To cover these potential losses it had $103,400,502 in net worth and $6,138,524 in loans loss reserves. That gives it a Texas Ratio of 8.82%.

Net Worth
El Paso Area Teachers U.S. Average
11.96% 12.36%

El Paso Area Teachers FCU has a net worth of 11.96% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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