2020 Overview
General Credit Union Information
South Texas Regional is an NCUA insured institution located in Laredo, TX. It was founded in 1950 and has approximately $5.77 millions in assets.
| NCUA Insured | Yes |
| Charter Number # | # 7024 |
| Date Established | 1950 |
| Assets | $5.77 million |
| Loans | $4.68 million |
| Deposits | $5.23 million |
| Capital | $0.53 million |
Deposit Rates - October 25, 2020
Your Current Location: Washington, WA 98101
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
Learn More
|
Loan Rates - October 25, 2020
Your Current Location: Washington, WA 98101
There are currently no loan rates available for SOUTH TEXAS REGIONAL
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 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.746% | 3.625% | 1.00 | $3,750 | $1,141 | Learn More |
NMLS ID: 1505422 License#: NMLS #1505422 |
2.830% | 2.750% | 0.63 | $2,622 | $1,021 | Learn More |
NMLS ID: 2890 License#: 520-CL-25944 |
2.575% | 2.500% | 1.00 | $2,470 | $988 | Learn More |
|
NMLS ID: 3030 |
3.746% | 3.625% | 1.00 | $3,750 | $1,141 | Learn More |
Featured - Washington Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to SOUTH TEXAS REGIONAL
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Branches
Below are South Texas Regional 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:
Seattle,Washington
South Texas Regional Locations
Financial Details
South Texas Regional Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of South Texas Regional. 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
| South Texas Regional | U.S. Average |
|---|---|
| 3.34% | 6.71 |
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 March 30, 2020, South Texas Regional had $18,700 in non-current loans and $0 in owned assets. To cover these potential losses it had $533,555 in net worth and $26,922 in loans loss reserves. That gives it a Texas Ratio of 3.34%.
Net Worth
| South Texas Regional | U.S. Average |
|---|---|
| 9.24% | 13.61% |
South Texas Regional FCU has a net worth of 9.24% versus the BestCashCow average of 13.61. 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 South Texas Regional
Branches and Savings
What is South Texas Regional?
A federal credit union, registered with the NCUA under certificate #7024.
Learn more about credit unions here.
Is South Texas Regional FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join South Texas Regional?
Please see Field of Membership information above for information on who is eligible to join.
How big is South Texas Regional?
South Texas Regional has total capital of $0.53 million. Full information on South Texas Regional's financial position is located above.
Who owns South Texas Regional?
Credit Unions are owned by their members.
Where are South Texas Regional branches located?
See branch locations nearby.
Are South Texas Regional ATMs Open 24/7?
Do South Texas Regional ATMs accept cash deposits?
Can South Texas Regional customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does South Texas Regional have a mobile app?
Does South Texas Regional have mobile deposit?
Does South Texas Regional have quick pay?
How can South Texas Regional transfer money to other banks or credit unions?
Does South Texas Regional report to credit bureaus?
Does South Texas Regional use Chexsystems?
Does South Texas Regional use Equifax?
What is South Texas Regional's toll free phone number?
What is South Texas Regional's ACH Routing Number?
What is South Texas Regional's SWIFT code?
Where can I find South Texas Regional's wire transfer form?
What is the South Texas Regional address for deposits?
What Products Does South Texas Regional Offer
Does South Texas Regional offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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