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2301 Richmond Rd
Texarkana, TX 75503

TEXAR Federal Credit Union is headquartered in TEXARKANA and is the 56th largest credit union in the state of Texas. It is also the 662nd largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 85 employees and 26,812 members. TEXAR Federal Credit Union has a A+ health rating.

Field of Membership Restrictions

All citizens of Cass, Bowie, and Miller Counties and most citizens of Red River County are eligible for membership. Persons meeting other select criteria are also eligible for membership with TEXAR Federal Credit Union; see bank's site for details - See Details

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Reviews (1)

Rich & Affluent

They smile at you the majority of the time (only because they are trained to), but this bank is not for the poor or working community. If some of the employees had their way only a few classes of people would be members.


Data for Q4 2013

Institution Health


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, 2013 TEXAR Federal Credit Union had $1.02 million in non-current loans and owned real-estate with $35.02 million in equity and loan loss allowances on hand to cover it. This gives TEXAR Federal Credit Union a Texas Ratio of 2.91% 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 TEXAR Federal Credit Union decreased slightly from 3.50% as of December 31, 2012 to 2.91% as of December 31, 2013, resulting in a positive change of 16.92%.This indicates that the balance sheet and financial strength for TEXAR Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, TEXAR Federal Credit Union has increased its total deposits by $20.52 million, resulting in 8.92% 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 TEXAR Federal Credit Union has shown is excellent.



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. TEXAR Federal Credit Union has $312.24 million in assets with $35.02 million in equity, resulting in a capitalization level of 11.22%, which is excellent.

Institution Statistics

NCUA #24567
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$312.24 million
Loans$178.71 million
Deposits$250.65 million
Equity Capital$34.09 million
Loan Loss Allowance$938,000
Unbacked Noncurrent Loans$919,000
Real Estate Owned$99,000
Historic Data - December 2012
Assets$295.00 million
Equity Capital$32.64 million
Loan Loss Allowance$769,000
Unbacked Noncurrent Loans$919,000
Real Estate Owned$127,000
Profit Margin - Quarterly
Net Interest Margin5.06%
Return on Assets0.99%
Return on Equity9.06%
Interest Income$12.16 million

Always verify rates and promotions with the bank or credit union. We are not TEXAR Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

TEXAR Federal Credit Union Savings Account Rates

0.30%$1k-IRA Savings Account
0.10%--Regular Shares

TEXAR Federal Credit Union Money Market Rates

0.30%$2,500-Money Market Checking

TEXAR Federal Credit Union Checking Account Rates

0.05%--Dividend Checking

TEXAR Federal Credit Union CD Rates

1.45%$1k-48 Month Online Share Certificate
1.35%$1k-48 Month Share Certificate
1.25%$1k-36 Month Online Share Certificate
1.20%$1k-24 Month Online Share Certificate
1.15%$1k-36 Month Share Certificate
1.10%$1k-24 Month Share Certificate
0.80%$1k-18 Month Online Share Certificate
0.75%$1k-12 Month Online Share Certificate
0.70%$1k-18 Month Share Certificate
0.65%$1k-12 Month Share Certificate
0.55%$1k-6 Month Online Share Certificate
0.45%$1k-6 Month Share Certificate

TEXAR Federal Credit Union IRA Rates

1.35%$1k-48 Month IRA Share Certificate
1.15%$1k-36 Month IRA Share Certificate
1.10%$1k-24 Month IRA Share Certificate
0.70%$1k-18 Month IRA Share Certificate
0.65%$1k-12 Month IRA Share Certificate
0.45%$1k-6 Month IRA Share Certificate

TEXAR Federal Credit Union Locations
Branch Office4437 JEFFERSON AVETEXARKANA, AR 71854
Branch Office3525 Stoneledge DrTEXARKANA, TX 75503
Branch Office1020 W FRONT STDE KALB, TX 75559
Branch Office103 WILDER DRHOOKS, TX 75561-5072
Branch Office103 W ALLDAY STATLANTA, TX 75551-2201
Branch Office2301 RICHMOND RDTEXARKANA, TX 75503
Branch Office507 JAMES BOWIE DRNEW BOSTON, TX 75570-2321