Overview / Commentary
901 N Veterans Blvd
Pharr, TX 78577

Naft Federal Credit Union is headquartered in Pharr and is the 138th largest credit union in the state of Texas. It is also the 1,766th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 31 employees and 11,324 members at 5 locations. Naft Federal Credit Union has an A health rating.


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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. Naft Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #10994
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD11.41%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$84.7MM$80.9MM
LoansQ4 2018vs Q4 2017$50.4MM$45.1MM
DepositsQ4 2018vs Q4 2017$71.3MM$68.8MM
Equity CapitalQ4 2018vs Q4 2017$12.1MM$10.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$370.00K$389.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$253.00K$284.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Naft Federal Credit Union Savings Account Rates

0.70%--Christmas Club Account
0.70%--IRA Coverdell Club Account
0.70%--IRA Roth Club Account
0.70%--Traditional IRA Share Account
0.10%*$2k*-Regular Share Account
OTHER TIERS: 0.04% $100 - $500 | 0.05% $500 - $2k
0.10%*$2k*-Special Savings Account
OTHER TIERS: 0.04% $100 - $500 | 0.05% $500 - $2k
0.10%*$2k*-Escrow Account
OTHER TIERS: 0.04% $100 - $500 | 0.05% $500 - $2k
0.10%*$2k*-Trust Share Account
OTHER TIERS: 0.04% $100 - $500 | 0.05% $500 - $2k
0.10%*$2k*-Trust Club
OTHER TIERS: 0.04% $100 - $500 | 0.05% $500 - $2k

Naft Federal Credit Union Money Market Rates

0.40%$2k-Money Market Account

Naft Federal Credit Union Checking Account Rates

0.00%$100$500Share Draft Checking Account

Naft Federal Credit Union CD Rates

1.10%$1k-36 Month Share Certificate
0.90%$1k-30 Month Share Certificate
0.85%--18 Month Jumbo Share Certificate
0.80%$1k-24 Month Share Certificate
0.75%--12 Month Jumbo Share Certificate
0.70%$1k-18 Month Share Certificate
0.65%$1k-12 Month Share Certificate
0.55%$1k-6 Month Share Certificate
0.35%$1k-1 Month Share Certificate

Naft Federal Credit Union IRA Rates

1.10%$500-18 Month IRA
1.00%$500-12 Month IRA

Naft Federal Credit Union Locations
Branch Office4301 N Sugar RdPharr, TX 78577-8082
Branch Office134 E Van Buren Ave Ste 102Harlingen, TX 78550-6863
Branch Office805 Ridge RdSan Juan, TX 78589-2557
Branch Office800 S Alamo RdAlamo, TX 78516-9516
Branch Office901 N Veterans BlvdPharr, TX 78577

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