Overview / Commentary
1312 Lawrence St
Gainesville, TX 76240

Nascoga Federal Credit Union is headquartered in Gainesville and is the 131st largest credit union in the state of Texas. It is also the 1,650th largest credit union in the nation. It was established in 1956 and as of September of 2018, it had grown to 23 employees and 6,750 members at 3 locations. Nascoga Federal Credit Union's CD rates are 22% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Cooke County or Grayson County.
See current membership details

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Membership Requirements

Posted by: Max | Jun 7, 2013

In order to be eligible to receive the benefits of the high interest checking, you must become a member of the credit union. The requirements for joining are:

Work, live, attend school or worship in Cooke County Texas or have a family member who is a member.

Accounts must be opened in person.

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

Health Grade Components

NCUA #11067
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.18%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$95.8MM$94.3MM
LoansQ3 2018vs Q3 2017$65.6MM$55.5MM
DepositsQ3 2018vs Q3 2017$87.1MM$86.1MM
Equity CapitalQ3 2018vs Q3 2017$7.8MM$7.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$55.00K$51.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$117.00K$79.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Nascoga Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Nascoga Federal Credit Union Savings Account Rates

1.00%--IRA Share Savings Account
0.35%*$50k*-Savings Account
OTHER TIERS: 0.25% $100 - $10k | 0.30% $10k - $50k

Nascoga Federal Credit Union Money Market Rates

0.45%*$50k*-Money Market Account
OTHER TIERS: 0.35% $2k - $10k | 0.40% $10k - $50k

Nascoga Federal Credit Union Checking Account Rates

2.00%-$10kKasasa Cash
0.17%$100-Enhanced Checking
0.15%$100-Small Business Checking
0.15%--Silver Checking (76 only)

Nascoga Federal Credit Union CD Rates

1.91%$1k-36 Month CD
1.81%$1k-24 Month CD
1.30%$1k-18 Month CD
1.10%$1k-12 Month CD
0.80%$1k-9 Month CD
0.70%$1k-6 Month CD
0.45%$1k-3 Month CD

Nascoga Federal Credit Union IRA Rates

1.91%$1k-36 Month IRA CD
1.81%$1k-24 Month IRA CD
1.30%$1k-18 Month IRA CD
1.10%$1k-12 Month IRA CD
0.80%$1k-9 Month IRA CD
0.75%$1k-6 Month IRA CD
0.45%$1k-3 Month IRA CD

Nascoga Federal Credit Union Locations
Branch Office1312 Lawrence StGainesville, TX 76240
Branch Office418 N Union StWhitesboro, TX 76273
Branch Office100 Kiowa Dr W Apt 104Lake Kiowa, TX 76240-9507

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