South Texas Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.40%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
0.00%	Savings	2.20% - Barclays Online Savings Account
1.37%	4-year CD	2.80% - Discover Bank 4 Year CD

View all South Texas Federal Credit Union rates »

Overview / Commentary

www.southtexasfcu.com

956-618-7500

2121 W Dove Ave
McAllen, TX 78504-4064

South Texas Federal Credit Union is headquartered in McAllen and is the 190^th largest credit union in the state of Texas. It is also the 2,468^th largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 16 employees and 6,885 members at 2 locations. South Texas Federal Credit Union has a B health rating.

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Health

Data as of Q4 2018

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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. South Texas Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	8237
Year Chartered	1952
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.42%
Return on Equity - YTD	-7.14%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$43.5MM$43.6MM
Loans	Q4 2018vs Q4 2017	$23.7MM$30.0MM
Deposits	Q4 2018vs Q4 2017	$40.7MM$40.5MM
Equity Capital	Q4 2018vs Q4 2017	$2.6MM$2.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$400.00K$192.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$137.00K$339.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD

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

South Texas Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	IRA Account
0.00%	-	-	Savings Account
0.00%	-	-	Club Account

South Texas Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$2.5k	-	Money Market

South Texas Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.00%	-	-	Star Plus Checking
0.00%	-	-	Platinum Checking

South Texas Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.37%^*	$50k^*	-	48 Month Term Share Certificate
OTHER TIERS: 0.68% → $1k - $5k \| 0.85% → $5k - $10k \| 1.02% → $10k - $20k \| 1.20% → $20k - $50k
0.65%^*	$50k^*	-	24 Month Term Share Certificate
OTHER TIERS: 0.33% → $1k - $5k \| 0.41% → $5k - $10k \| 0.49% → $10k - $20k \| 0.57% → $20k - $50k
0.40%^*	$50k^*	-	12 Month Term Share Certificate
OTHER TIERS: 0.20% → $1k - $5k \| 0.25% → $5k - $10k \| 0.30% → $10k - $20k \| 0.35% → $20k - $50k

Locations

South Texas Federal Credit Union Locations
Branch Office	2121 W Dove Ave	McAllen, TX 78504-4064
Branch Office	401 N Westgate Dr	Weslaco, TX 78596-2705

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