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Qualtrust Credit Union

Popular Accounts at this Credit Union

1.90%5-year CD5 Year Share Certificate
1.60%4-year CD4 Year Share Certificate
1.35%3-year CD3 Year Share Certificate

Overview / Commentary
6201 Campus Circle Dr E
Irving, TX 75063

Qualtrust Credit Union is headquartered in Irving and is the 87th largest credit union in the state of Texas. It is also the 1,042nd largest credit union in the nation. It was established in 1948 and as of September of 2017, it had grown to 65 employees and 23,601 members at 5 locations. Qualtrust Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship within a 10-mile radius of one of the credit union's branches in Irving, Flower Mound, or Bedford and anyone who lives in Tom Green County.
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Reviews (1)

Customer Service

The Irving location has new management and move all their member services to the 2nd floor. When I ask to see the member service, the front desk refused and said I had to see the teller. After asking 2 or 3 times she still refused so I asked for the manager and finally they send someone from the 2nd floor to the empty member office on the 1st floor, which she was very helpfully. Not sure if this credit union will last with the new management. Customer service is apparently not their main focus, too bad since they seem to have good people.

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. Qualtrust Credit Union has a negative return on assets.

Health Grade Components

NCUA #68569
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD-2.41%
Return on Equity - YTD-31.55%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$197.0MM$193.4MM
LoansQ3 2017vs Q3 2016$116.9MM$131.0MM
DepositsQ3 2017vs Q3 2016$177.3MM$171.8MM
Equity CapitalQ3 2017vs Q3 2016$15.2MM$18.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$971.00K$975.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.1MM$1.2MM
Real Estate OwnedQ3 2017vs Q3 2016$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.

Qualtrust Credit Union Savings Account Rates

0.20%--IRA Share

Qualtrust Credit Union Money Market Rates

0.15%$2,500-Money Market

Qualtrust Credit Union Checking Account Rates

0.25%*$50k*-Investment Checking
OTHER TIERS: 0.15% $7,500 - $25k | 0.20% $25k - $50k
0.05%$1k-Member Checking
0.05%--Circle of Success Checking

Qualtrust Credit Union CD Rates

1.90%$1k-5 Year Share Certificate
1.60%$1k-4 Year Share Certificate
1.35%$1k-3 Year Share Certificate
1.30%$1k-2 Year Share Certificate
0.90%$1k-1 Year Share Certificate
0.75%$250-1 Year Smart Start Share Certificate
0.65%$1k-6 Month Share Certificate
0.25%$1k-3 Month Share Certificate

Qualtrust Credit Union Locations
Branch Office2501 Flower Mound RdFlower Mound, TX 75028
Branch Office3800 Cheek Sparger RdBedford, TX 76021-3038
Branch Office2601 Loop 306San Angelo, TX 76904
Branch Office6201 Campus Circle Dr EIrving, TX 75063
Branch Office34 S Main StSan Angelo, TX 76903-5927