La Joya Area


P.o. Box 1300
La Joya, TX 78560
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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

La Joya Area is an NCUA insured institution located in La Joya, TX. It was founded in 1961 and has approximately $61 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14734
Date Established 1961
Assets $61.00 million
Loans $32.69 million
Deposits $55.19 million
Capital $5.32 million

Field of Membership Restrictions

Membership is open to those who live or work in Hidalgo County or their immediate family.

Deposit Rates - April 16, 2021

Your Current Location: Washington, WA 98101

We do not yet have rates for La Joya Area

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Advertiser Disclosure

Loan Rates - April 16, 2021

Your Current Location: Washington, WA 98101

There are currently no loan rates available for LA JOYA AREA

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

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are La Joya Area 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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La Joya Area Locations

Financial Details

La Joya Area Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of La Joya Area. 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
La Joya Area U.S. Average
32.05% 5.40

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, 2020, La Joya Area had $1,751,877 in non-current loans and $33,178 in owned assets. To cover these potential losses it had $5,321,880 in net worth and $247,554 in loans loss reserves. That gives it a Texas Ratio of 32.05%.

Net Worth
La Joya Area U.S. Average
8.72% 12.67%

La Joya Area FCU has a net worth of 8.72% versus the BestCashCow average of 12.67. 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 La Joya Area

Branches and Savings

What is La Joya Area?

A federal credit union, registered with the NCUA under certificate #14734.
Learn more about credit unions here.

Is La Joya Area 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. La Joya Area is insured by the NCUA.

Who can join La Joya Area?

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

What are La Joya Area's share account and share certificate rates?

La Joya Area'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 La Joya Area?

La Joya Area has total capital of $5.32 million. Full information on La Joya Area's financial position is located above.

Who owns La Joya Area?

Credit Unions are owned by their members.

Where are La Joya Area branches located?

See branch locations nearby.

Are La Joya Area ATMs Open 24/7?

Do La Joya Area ATMs accept cash deposits?

Can La Joya Area customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does La Joya Area have a mobile app?

Does La Joya Area have mobile deposit?

Does La Joya Area have quick pay?

How can La Joya Area transfer money to other banks or credit unions?

Does La Joya Area report to credit bureaus?

Does La Joya Area use Chexsystems?

Does La Joya Area use Equifax?

What is La Joya Area's toll free phone number?

What is La Joya Area's ACH Routing Number?

What is La Joya Area's SWIFT code?

Where can I find La Joya Area's wire transfer form?

What is the La Joya Area address for deposits?

What Products Does La Joya Area Offer

Does La Joya Area offer mortgages?

Compare mortgage rates here.

Does La Joya Area offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does La Joya Area offer auto and RV loans?

Compare auto loan rates here.

Does La Joya Area offer student loans or personal loans?

Compare personal loan rates here.

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