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P.O. Box 1356
San Antonio, TX 78295

San Antonio Federal Credit Union has been repeatedly recognized on for its CD rates. It offers a range of depository and loan products to individuals, as well as investment representatives to help guide members on decisions about various investment services.

SACU offers a variety of checking account options, some of which come with life insurance policies. The credit union also has a checking account customized for seniors, as well as a free checking account that comes with unlimited check writing and a free debit card. Limited savings account options are available, and the basic savings account option has a withdrawal fee unless minimum account balances are met. Money market accounts offered by the credit union return various rates of interest depending on account balances. Share certificates are available and have various minimum initial deposit requirements. Share certificates also range in term lengths from 3 to 120 months.

San Antonio Federal Credit Union online banking provides a web-based platform for managing accounts, paying bills, making mortgage payments, and viewing images of cleared checks. Additionally, the credit union offers smartphone and tablet apps that make banking on the go quick and convenient. SACU makes member education resources available to help members decide on the best courses of action with various products and services in mind. The credit union is part of a shared branch network, making access to ATMs easy for its members.

San Antonio Federal Credit Union was originally chartered in 1989 in San Antonio, Texas, where it is currently headquartered. It serves its members through multiple branches located across the state of Texas.

Field of Membership Restrictions

Eligible if you are employed by select companies in San Antonio and Houston. - See Details

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Reviews (1)


My mother has been a member of this Bank for twenty two years; she is also disabled. Each month this bank charges my mom from 200-300 dollars in late fees. I believe they are abusing her through this practice, and every time I call they will not give me the general manager's number.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 San Antonio Federal Credit Union had $56.19 million in non-current loans and owned real-estate with $317.25 million in equity and loan loss allowances on hand to cover it. This gives San Antonio Federal Credit Union a Texas Ratio of 17.71% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for San Antonio Federal Credit Union experienced no significant changes from 16.75% as of March 31, 2013 to 17.71% as of March 31, 2014, resulting in a negative change of 5.75%. This indicates that the balance sheet and financial strength for San Antonio Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, San Antonio Federal Credit Union has decreased its total deposits by -$74.15 million, resulting in -3.4% 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 San Antonio Federal Credit Union has shown is below average.



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. San Antonio Federal Credit Union has $2.73 billion in assets with $317.25 million in equity, resulting in a capitalization level of 11.61%, which is excellent.

Institution Statistics

NCUA #24382
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$2.73 billion
Loans$2.59 billion
Deposits$2.11 billion
Equity Capital$301.61 million
Loan Loss Allowance$15.65 million
Unbacked Noncurrent Loans$55.10 million
Real Estate Owned$1.10 million
Historic Data - March 2013
Assets$2.90 billion
Equity Capital$264.77 million
Loan Loss Allowance$17.93 million
Unbacked Noncurrent Loans$55.10 million
Real Estate Owned$1.18 million
Profit Margin - Quarterly
Net Interest Margin1.04%
Return on Assets1.16%
Return on Equity10.52%
Interest Income$32.56 million

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San Antonio Federal Credit Union Savings Account Rates

0.25%$100-Share Savings
0.25%--Share Savings (Minor)
0.25%$90k-IRA Money Fund Account
0.25%$90k-Roth IRA Money Fund Account
0.25%$90k-CESA Money Fund Accounts

San Antonio Federal Credit Union Money Market Rates

0.25%$90k-Money Market

San Antonio Federal Credit Union Checking Account Rates

0.25%$90k-Gateway Checking
0.20%-$25kmY generation checking - Qualifying
0.10%--Extra Value Plus Checking
0.10%--Extra Value Checking
0.10%$500-The Works Checking
0.10%--mY generation checking - Non Qualifying

San Antonio Federal Credit Union CD Rates

2.90%$90k-120 Months CD
2.45%$90k-84 - 119 Months CD
2.00%$90k-60 - 83 Months CD
1.35%$90k-36 - 59 Months CD
0.95%$90k-24 - 35 Months CD
0.70%$90k-18 - 23 Months CD
0.60%$90k-12 - 17 Months CD
0.50%$90k-6 - 11 Months CD
0.50%$90k-12 Months Liquid CD
0.10%$90k-3 - 5 Months CD

San Antonio Federal Credit Union IRA Rates

2.90%$90k-120 Month IRA
2.45%$90k-84 - 119 Month IRA
2.00%$90k-60 - 83 Month IRA
1.35%$90k-36 - 59 Month IRA
0.95%$90k-24 - 35 Month IRA
0.70%$90k-18 - 23 Month IRA
0.60%$90k-12 - 17 Months IRA
0.50%$90k-6 - 11 Months IRA
0.50%$90k-1 Year Liquid IRA

San Antonio Federal Credit Union has 17 locations. Click to view all San Antonio Federal Credit Union locations.