El Paso Area Teachers Federal Credit Union

12020 Rojas Dr
El Paso, TX 79936
915-843-8328 ext. 2543
www.tfcu.coop

NCUA

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El Paso Area Teachers Federal Credit Union is headquartered in EL PASO and is the 36^th largest credit union in the state of Texas. It is also the 445^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 161 employees and 53,507 members. El Paso Area Teachers Federal Credit Union has a 5-star health rating.

Competitive Long-Term CD Rates at TFCU in El Paso - Local Only - 1/14/2011

El Paso Area Teachers FCU (TFCU) is offering several competitive rates on its certificates. The best rates are on its jumbo certificates which require a $50,000 minimum deposit. These include a 3.19% ...

2.68% 18-Month CD & 3.19% 30-Month CD at El Paso Area Teachers FCU in Texas - Local Only - 10/9/2009

El Paso Area Teachers FCU is offering several competitive rates on its certificates. The best rates are on its jumbo certificates which require a $50,000 minimum deposit. These include a 2.37% APY for 12 months, 2.68% APY for 18 months, 3.19% APY for 30...

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See Rates for: Checking | Savings | Money Market | CD | IRA

El Paso Area Teachers Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$7,500	-	Checking Business Plus
0.15%	$2,500	-	Business Checking
0.10%	$1k	-	Checking

El Paso Area Teachers Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	IRA
0.30%	-	-	Roth IRA
0.30%	-	-	CESA
0.20%	$300	-	Savings

El Paso Area Teachers Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.50%	$25k	-	Insured Money Market Account

El Paso Area Teachers Federal Credit Union CD Rates

Apy	Min	Max	Product
1.61%	$50k	-	60 Month Jumbo Share Certificate
1.51%	$500	-	60 Month Regular Share Certificate
1.31%	$50k	-	30 Month Jumbo Share Certificate
1.31%	$50k	-	36 Month Jumbo Share Certificate
1.31%	$50k	-	48 Month Jumbo Share Certificate
1.21%	$500	-	30 Month Regular Share Certificate
1.21%	$500	-	36 Month Regular Share Certificate
1.21%	$500	-	48 Month Regular Share Certificate
1.11%	$50k	-	18 Month Jumbo Share Certificate
1.11%	$50k	-	24 Month Jumbo Share Certificate
1.00%	$500	-	18 Month Regular Share Certificate
1.00%	$500	-	24 Month Regular Share Certificate
0.80%	$50k	-	12 Month Jumbo Share Certificate
0.70%	$500	-	12 Month Regular Share Certificate
0.70%	$25	-	12 Month Save A Lot Share Certificate
0.65%	$50k	-	6 Month Jumbo Share Certificate
0.55%	$2,500	-	6 Month Regular Share Certificate
0.40%	$2,500	-	91 Day Regular Share Certificate

El Paso Area Teachers Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.61%	$50k	-	60 Month Jumbo IRA Share Certificate
1.61%	$50k	-	60 Month Jumbo Roth IRA Share Certificate
1.61%	$50k	-	60 Month Jumbo CESA Share Certificate
1.51%	$500	-	60 Month Regular IRA Share Certificate
1.51%	$500	-	60 Month Regular Roth IRA Share Certificate
1.51%	$500	-	60 Month Regular CESA Share Certificate
1.31%	$50k	-	30 Month Jumbo IRA Share Certificate
1.31%	$50k	-	36 Month Jumbo IRA Share Certificate
1.31%	$50k	-	48 Month Jumbo IRA Share Certificate
1.31%	$50k	-	30 Month Jumbo Roth IRA Share Certificate
1.31%	$50k	-	36 Month Jumbo Roth IRA Share Certificate
1.31%	$50k	-	48 Month Jumbo Roth IRA Share Certificate
1.31%	$50k	-	30 Month Jumbo CESA Share Certificate
1.31%	$50k	-	36 Month Jumbo CESA Share Certificate
1.31%	$50k	-	48 Month Jumbo CESA Share Certificate
1.21%	$500	-	30 Month Regular IRA Share Certificate
1.21%	$500	-	36 Month Regular IRA Share Certificate
1.21%	$500	-	48 Month Regular IRA Share Certificate
1.21%	$500	-	30 Month Regular Roth IRA Share Certificate
1.21%	$500	-	36 Month Regular Roth IRA Share Certificate
1.21%	$500	-	48 Month Regular Roth IRA Share Certificate
1.21%	$500	-	30 Month Regular CESA Share Certificate
1.21%	$500	-	36 Month Regular CESA Share Certificate
1.21%	$500	-	48 Month Regular CESA Share Certificate
1.11%	$50k	-	18 Month Jumbo IRA Share Certificate
1.11%	$50k	-	24 Month Jumbo IRA Share Certificate
1.11%	$50k	-	18 Month Jumbo Roth IRA Share Certificate
1.11%	$50k	-	24 Month Jumbo Roth IRA Share Certificate
1.11%	$50k	-	18 Month Jumbo CESA Share Certificate
1.11%	$50k	-	24 Month Jumbo CESA Share Certificate
1.00%	$500	-	18 Month Regular IRA Share Certificate
1.00%	$500	-	24 Month Regular IRA Share Certificate
1.00%	$500	-	18 Month Regular Roth IRA Share Certificate
1.00%	$500	-	24 Month Regular Roth IRA Share Certificate
1.00%	$500	-	18 Month Regular CESA Share Certificate
1.00%	$500	-	24 Month Regular CESA Share Certificate
0.80%	$50k	-	12 Month Jumbo IRA Share Certificate
0.80%	$50k	-	12 Month Jumbo Roth IRA Share Certificate
0.80%	$50k	-	12 Month Jumbo CESA Share Certificate
0.70%	$500	-	12 Month Regular IRA Share Certificate
0.70%	$25	-	12 Month Save A Lot IRA Share Certificate
0.70%	$500	-	12 Month Regular Roth IRA Share Certificate
0.70%	$25	-	12 Month Save A Lot Roth IRA Share Certificate
0.70%	$500	-	12 Month Regular CESA Share Certificate
0.70%	$25	-	12 Month Save A Lot CESA Share Certificate
0.65%	$50k	-	6 Month Jumbo IRA Share Certificate
0.65%	$50k	-	6 Month Jumbo Roth IRA Share Certificate
0.65%	$50k	-	6 Month Jumbo CESA Share Certificate
0.55%	$2,500	-	6 Month Regular IRA Share Certificate
0.55%	$2,500	-	6 Month Regular Roth IRA Share Certificate
0.55%	$2,500	-	6 Month Regular CESA Share Certificate
0.40%	$2,500	-	91 Day Regular IRA Share Certificate
0.40%	$2,500	-	91 Day Regular Roth IRA Share Certificate
0.40%	$2,500	-	91 Day Regular CESA Share Certificate

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

EL PASO AREA TEACHERS
NCUA #	1409
BankRate Report	View
Year Chartered	1936
Employees	161
Primary Regulator
Assets and Liabilities
Assets	$473.05 million
Loans	$270.15 million
Deposits	$416.51 million
Equity Capital	$55.67 million
Loan Loss Allowance	$2.14 million
Unbacked Noncurrent Loans	$807,000
Historic Data - December 2011
Assets	$450.26 million
Equity Capital	$52.71 million
Loan Loss Allowance	$2.49 million
Unbacked Noncurrent Loans	$999,000
Profit Margin - Quarterly
Net Interest Margin	4.99%
Return on Assets	0.63%
Return on Equity	5.33%
Interest Income	$18.14 million
Non-Interest Income	$6.53 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 El Paso Area Teachers Federal Credit Union had $807,000 in non-current loans and owned real-estate with $57.8 million in equity and loan loss allowances on hand to cover it. This gives El Paso Area Teachers Federal Credit Union a Texas Ratio of 1.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for El Paso Area Teachers Federal Credit Union decreased slightly from 1.81% as of December 31, 2011 to 1.40% as of December 31, 2012, resulting in a positive change of 22.86%.This indicates that the balance sheet and financial strength for El Paso Area Teachers Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, El Paso Area Teachers Federal Credit Union has increased its total deposits by $19.79 million, resulting in 4.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth El Paso Area Teachers Federal Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. El Paso Area Teachers Federal Credit Union has $473.05 million in assets with $57.8 million in equity, resulting in a capitalization level of 12.22%, which is excellent.