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Raiz Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.raiz.us
877-378-3281
12020 Rojas Dr
El Paso, TX 79936

Raiz Federal Credit Union is headquartered in El Paso and is the 35th largest credit union in the state of Texas. It is also the 454th largest credit union in the nation. It was established in 1936 and as of September of 2024, it had grown to 230 employees and 74,265 members at 10 locations. Raiz Federal Credit Union's savings rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Raiz Federal Credit Union is open to anyone who live, work or worship in El Paso County, Texas. (Membership requirement details are posted in the credit union's online application)
See current membership details

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Health
B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1409
Year Chartered1936
Employees230
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.17%
Annual Interest Income$41.2MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$990MM$1.02B
LoansQ3 2024vs Q3 2023$800.6MM$867.8MM
DepositsQ3 2024vs Q3 2023$840.8MM$861.2MM
Equity CapitalQ3 2024vs Q3 2023$106.5MM$112.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$15.7MM$7.5MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$6.8MM$10.8MM
Real Estate OwnedQ3 2024vs Q3 2023$135K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/15/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not Raiz 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.

Raiz Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1-IRA Savings
2.75%*$100k*-Premier Savings
OTHER TIERS: 0.25% → $100 - $50k | 0.35% → $50k - $100k
2.75%*$100k*- Business Premier Savings
OTHER TIERS: 0.25% → $100 - $50k | 0.35% → $50k - $100k
0.25%$100-Savings
0.05%$300-Business Saving

Raiz Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$100k*-Premier Checking
OTHER TIERS: 0.50% → $2.5k - $10k | 0.55% → $10k - $25k | 0.75% → $25k - $100k
2.75%*$100k*-Business Premier Checking
OTHER TIERS: 0.50% → $2.5k - $10k | 0.55% → $10k - $25k | 0.75% → $25k - $100k
0.65%*$50k*-Checking
OTHER TIERS: 0.50% → $2.5k - $10k | 0.55% → $10k - $25k | 0.60% → $25k - $50k
0.05%$2.5k-Business Plus Checking

Raiz Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.25%$25$3k12 Month Express Start Share Certificate
5.18%$100k-6 Month Jumbo Share Certificate
5.18%$100k-Business 6 Month Jumbo Share Certificate
5.01%$100k-3 Month Jumbo Share Certificate
5.01%$100k-Business 3 Month Jumbo Share Certificate
4.70%$50k-12 Month Jumbo Share Certificate Promo - New Money
4.60%$1k-12 Month Regular Share Certificate Promo - New Money
4.29%$50k-12 Month Jumbo Share Certificate
4.18%$25-12 Month Regular Share Certificate
3.77%$50k-24 Month Jumbo Share Certificate
3.71%$5k-24 Month Regular Share Certificate
3.67%$50k-60 Month Jumbo Share Certificate
3.56%$5k-60 Month Regular Share Certificate
3.46%$50k-36 Month Jumbo Share Certificate
3.41%$50k-48 Month Jumbo Share Certificate
3.35%$5k-36 Month Regular Share Certificate
3.30%$5k-48 Month Regular Share Certificate
Locations


Cities: El Paso, Horizon City

El Paso Branches
Branch Office9835 Kenworthy StEl Paso, TX 79924
Branch Office3600 Joe Battle BlvdEl Paso, TX 79938
Branch Office100 Village CtEl Paso, TX 79922
Branch Office12020 Rojas DrEl Paso, TX 79936
Branch Office975 Lomaland DrEl Paso, TX 79907
Branch Office1226 Golden Key CirEl Paso, TX 79925-5810
Branch Office1656 Resler DrEl Paso, TX 79911
Branch Office2112 N Mesa StEl Paso, TX 79902-3312
Branch Office300 Montana AveEl Paso, TX 79902

Horizon City Branches
Branch Office13781 Horizon BlvdHorizon City, TX 79928

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.