La Joya Area Federal Credit Union
LOCATIONS
3
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HEALTH RATING
B
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CURRENT TOP RATE
1.81% APY
60 Month CD
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Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.81% | 5-year CD | 60 Month CD 2.50% - Ally Bank High Yield 5 Year CD |
| 0.80% | 1-year CD | 12 Month CD |
| 0.15% | Savings | Diamond Account |
Overview / Commentary
La Joya Area Federal Credit Union is headquartered in La Joya and is the 183rd largest credit union in the state of Texas. It is also the 2,355th largest credit union in the nation. It was established in 1961 and as of December of 2017, it had grown to 30 employees and 16,385 members at 3 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
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Health
B
Data as of Q4 2017
Learn why bank health mattersAdditional 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 low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 14734 |
| Year Chartered | 1961 |
| Employees | 30 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.44% |
| Return on Equity - YTD | -14.28% |
| Annual Interest Income | $2.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $48.6MM$48.3MM |
| Loans | Q4 2017vs Q4 2016 | $30.7MM$27.2MM |
| Deposits | Q4 2017vs Q4 2016 | $43.0MM$41.9MM |
| Equity Capital | Q4 2017vs Q4 2016 | $5.0MM$5.7MM |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $935.00K$127.00K |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $960.00K$645.00K |
| Real Estate Owned | Q4 2017vs Q4 2016 | $33.00K$90.00K |
Rates
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La Joya Area Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | - | - | IRA Account | |
| 0.15% | - | - | Regular Share Account | |
| 0.15% | - | - | Diamond Account | |
| 0.15% | - | - | Coyote Kids Account |
La Joya Area Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.35% | - | - | Money Market Account |
La Joya Area Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.81% | $1k | - | 60 Month CD | |
| 1.61% | $1k | - | 48 Month CD | |
| 1.46% | $1k | - | 36 Month CD | |
| 1.26% | $1k | - | 24 Month CD | |
| 0.90% | $1k | - | 18 Month CD | |
| 0.80% | $1k | - | 12 Month CD | |
| 0.60% | $1k | - | 6 Month CD |
Locations
| La Joya Area Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 302 Llano Grande | Weslaco, TX 78596-5200 |
| Branch Office | 214 W Expressway 83 | La Joya, TX 78560 |
| Branch Office | 317 S Bentsen Palm Dr | Palmview, TX 78572-6298 |