El Paso Area Teachers Federal Credit Union
12020 Rojas Dr
El Paso, TX 79936
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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
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 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.41% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.41% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
3.00% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
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 |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
5.990% | 5.875% | 0.75 | $3,125 | $1,479 | Learn More |
NMLS ID: 3030 |
6.013% | 5.875% | 1.00 | $3,750 | $1,479 | Learn More |
NMLS ID: 503941 |
5.185% | 5.125% | 0.63 | $1,710 | $1,362 | Learn More |
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
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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