People's Trust


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

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.66% 0.75% →
2-Year CD 0.71% 0.80% →
5-Year CD 1.06% 1.10% →
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

People's Trust is an NCUA insured institution located in Houston, TX. It was founded in 1935 and has approximately $511.43 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 $511.43 million
Loans $222.53 million
Deposits $455.79 million
Capital $51.08 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 - October 15, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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 - October 15, 2021

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.475% 3.375% 0.75 $3,125 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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:

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
1.89% 3.79

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 June 30, 2021, People's Trust had $992,294 in non-current loans and $12,546 in owned assets. To cover these potential losses it had $51,078,544 in net worth and $2,058,421 in loans loss reserves. That gives it a Texas Ratio of 1.89%.

Net Worth
People's Trust U.S. Average
9.98% 12.22%

People's Trust FCU has a net worth of 9.98% versus the BestCashCow average of 12.22. 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 People's Trust

Branches and Savings

What is People's Trust?

A federal credit union, registered with the NCUA under certificate #177.
Learn more about credit unions here.

Is People's Trust 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. People's Trust is insured by the NCUA.

Who can join People's Trust?

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

What are People's Trust's share account and share certificate rates?

People's Trust'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 People's Trust?

People's Trust has total capital of $51.08 million. Full information on People's Trust's financial position is located above.

Who owns People's Trust?

Credit Unions are owned by their members.

Where are People's Trust branches located?

See branch locations nearby.

Are People's Trust ATMs Open 24/7?

Do People's Trust ATMs accept cash deposits?

Can People's Trust customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does People's Trust have a mobile app?

Does People's Trust have mobile deposit?

Does People's Trust have quick pay?

How can People's Trust transfer money to other banks or credit unions?

Does People's Trust report to credit bureaus?

Does People's Trust use Chexsystems?

Does People's Trust use Equifax?

What is People's Trust's toll free phone number?

What is People's Trust's ACH Routing Number?

What is People's Trust's SWIFT code?

Where can I find People's Trust's wire transfer form?

What is the People's Trust address for deposits?

What Products Does People's Trust Offer

Does People's Trust offer mortgages?

Compare mortgage rates here.

Does People's Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does People's Trust offer auto and RV loans?

Compare auto loan rates here.

Does People's Trust offer student loans or personal loans?

Compare personal loan rates here.

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