People's Trust Federal Credit Union


Our records indicate that this credit union has been acquired by FIRST SERVICE.


Headquarters

Po Box 4511
Houston, TX 77210
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.02% →
1-Year CD 0.66% 1.45% →
2-Year CD 0.71% 2.86% →
5-Year CD 1.06% 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

People's Trust is an NCUA insured institution located in Houston, TX. It was founded in 1935 and has approximately $505.32 millions in assets.

Who can join?

You can if you...

Live, work, worship, or attend school in the Houston city limits
Have a member of your immediate family or household that is currently a member of People’s Trust Federal Credit Union
Work for a Select Employer Group

You can also join the People’s Trust Foundation with a donation of $5 or
more to make yourself eligible to join the Credit Union.

NCUA Insured Yes / Federally Chartered
Charter Number # # 177
Date Established 1935
Assets $505.32 million
Loans $223.77 million
Deposits $449.00 million
Capital $54.05 million
 

Field of Membership Restrictions

Membership is open to anyone through becoming a member of the People's Trust Foundation ($5 membership fee). Membership is also open to employees of Shell and its subsidiaries or a select employer group member or to those who live, work, worship or attend school in the Houston city limits.

Deposit Rates - May 21, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
Premium Money Market Account
0.15% $10,000 $14,999 Learn More
Premium Money Market Account
0.20% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.51% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.66% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.66% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.71% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.76% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.81% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.91% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.06% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $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 PEOPLE'S TRUST

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
Rocket Mortgage
NMLS ID: 3030
5.990% 5.875% 0.75 $3,125 $1,479 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to PEOPLE'S TRUST
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are People's Trust 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


People's Trust Locations



Climate Initiatives

PEOPLE'S TRUST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

People's Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of People's Trust. 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
People's Trust U.S. Average
3.74% 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, People's Trust had $2,046,408 in non-current loans and $11,886 in owned assets. To cover these potential losses it had $54,051,052 in net worth and $1,007,469 in loans loss reserves. That gives it a Texas Ratio of 3.74%.

Net Worth
People's Trust U.S. Average
10.69% 12.36%

People's Trust FCU has a net worth of 10.69% 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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