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Raiz Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
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 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 33rd largest credit union in the state of Texas. It is also the 442nd largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 240 employees and 76,163 members at 10 locations. Raiz Federal Credit Union's CD rates are 6X the national average, and it has an A 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
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #1409
Year Chartered1936
Employees240
Primary Regulator
Profit Margin
Return on Assets - YTD-1.23%
Return on Equity - YTD-12%
Annual Interest Income$14MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.05B$1.02B
LoansQ1 2025vs Q1 2024$798.4MM$849.9MM
DepositsQ1 2025vs Q1 2024$901.9MM$868.8MM
Equity CapitalQ1 2025vs Q1 2024$104.8MM$104MM
Loan Loss AllowanceQ1 2025vs Q1 2024$16.1MM$17.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6MM$8.4MM
Real Estate OwnedQ1 2025vs Q1 2024$135K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
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 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
1.26%*$100k*-Premier Savings
OTHER TIERS: 0.15% → $100 - $50k | 0.35% → $50k - $100k
1.26%*$100k*- Business Premier Savings
OTHER TIERS: 0.15% → $100 - $50k | 0.35% → $50k - $100k
0.15%$100-Savings
0.15%$300-Business Saving

Raiz Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*-Premier Checking
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $100k
1.26%*$100k*-Business Premier Checking
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.50% → $25k - $100k
0.40%*$50k*-Checking
OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k
0.10%$2.5k-Business Plus Checking

Raiz Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%$25$3k12 Month Express Start Share Certificate
4.28%$50k-12 Month Jumbo Share Certificate
4.18%$25-12 Month Regular Share Certificate
3.87%$100k-6 Month Jumbo Share Certificate
3.76%$50k-24 Month Jumbo Share Certificate
3.70%$5k-24 Month Regular Share Certificate
3.66%$50k-60 Month Jumbo Share Certificate
3.56%$5k-60 Month Regular Share Certificate
3.45%$50k-36 Month Jumbo Share Certificate
3.40%$50k-48 Month Jumbo Share Certificate
3.35%$5k-36 Month Regular Share Certificate
3.30%$5k-48 Month Regular Share Certificate
3.20%$100k-3 Month Jumbo Share Certificate

Raiz Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$0-IRA Savings
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

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