La Joya Area Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.lajoyacreditunion.coop

956-585-6207

214 East Expressway 83
La Joya, TX 78560

La Joya Area Federal Credit Union is headquartered in Palmview and is the 181^st largest credit union in the state of Texas. It is also the 2,237^th largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 26 employees and 14,858 members at 2 locations. La Joya Area Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Hidalgo County or their immediate family.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. La Joya Area Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	14734
Year Chartered	1961
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	0.27%
Return on Equity - YTD	2.49%
Annual Interest Income	$692K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$63.5MM$65.3MM
Loans	Q1 2025vs Q1 2024	$33.6MM$37.5MM
Deposits	Q1 2025vs Q1 2024	$55.3MM$57.3MM
Equity Capital	Q1 2025vs Q1 2024	$6.7MM$6.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$249K$246K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$350K$331K
Real Estate Owned	Q1 2025vs Q1 2024	$33K$33K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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La Joya Area Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$25	-	Regular Shares
0.15%	$25	-	Diamond Share Account
0.15%	$25	-	Coyote Kids Share Account

La Joya Area Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$2.5k	-	Money Market

La Joya Area Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.81%	$1k	-	60 Month Certificate
1.61%	$1k	-	48 Month Certificate
1.46%	$1k	-	36 Month Certificate
1.26%	$1k	-	24 Month Certificate
0.90%	$1k	-	18 Month Certificate
0.80%	$1k	-	12 Month Certificate
0.60%	$1k	-	6 Month Share Certificate

La Joya Area Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	IRA Share

Locations

La Joya Area Federal Credit Union Locations
Branch Office	214 W Expressway 83	La Joya, TX 78560
Branch Office	317 S Bentsen Palm Dr	Palmview, TX 78572-6298

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