San Patricio County Teachers Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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.sanpatcu.com

361-364-3683

501 W Merriman St
Sinton, TX 78387

San Patricio County Teachers Federal Credit Union is headquartered in Sinton and is the 226^th largest credit union in the state of Texas. It is also the 2,902^nd largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 10 employees and 2,819 members at 2 locations. San Patricio County Teachers Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

San Patricio County Teachers Federal Credit Union is open to those who live, work, worship, or volunteer in San Patricio County, Texas. Employees (and their family members) and volunteers of the San Patricio or Live Oak County School Districts also qualify for membership. Immediate family members of current SPCTFCU members are welcome to apply.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

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. San Patricio County Teachers Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	11721
Year Chartered	1957
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.1%
Return on Equity - YTD	-0.75%
Annual Interest Income	$355K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$29.9MM$28.5MM
Loans	Q1 2025vs Q1 2024	$26.3MM$23.1MM
Deposits	Q1 2025vs Q1 2024	$25.9MM$24.5MM
Equity Capital	Q1 2025vs Q1 2024	$3.9MM$3.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$112K$129K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$67K$84K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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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Money Market
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CD

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

San Patricio County Teachers Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Share Savings

San Patricio County Teachers Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.35% → $2.5k - $25k \| 0.45% → $25k - $50k

San Patricio County Teachers Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Checking Accounts
OTHER TIERS: 0.10% → $0 - $500 \| 0.15% → $500 - $2.5k \| 0.20% → $2.5k - $25k

San Patricio County Teachers Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.20%	$2.5k	-	6 Month CD
4.15%	$2.5k	-	1 Year CD
3.60%	$2.5k	-	5 Year CD
3.55%	$2.5k	-	4 Year CD
3.50%	$2.5k	-	3 Year CD
3.45%	$2.5k	-	2 Year CD

Locations

San Patricio County Teachers Federal Credit Union Locations
Branch Office	501 W Merriman St	Sinton, TX 78387-2412
Branch Office	1802 Billy G Webb	Portland, TX 78374

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