Overview / Commentary
956-618-7500
2121 W Dove Ave
McAllen, TX 78504-4064

South Texas Federal Credit Union is headquartered in McAllen and is the 192nd largest credit union in the state of Texas. It is also the 2,463rd largest credit union in the nation. It was established in 1952 and as of September of 2018, it had grown to 17 employees and 6,881 members at 2 locations. South Texas Federal Credit Union has a B health rating.

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Health
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 Chartered1952
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD-0.91%
Return on Equity - YTD-16.54%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$44.3MM$43.9MM
LoansQ3 2018vs Q3 2017$25.0MM$29.5MM
DepositsQ3 2018vs Q3 2017$41.7MM$41.0MM
Equity CapitalQ3 2018vs Q3 2017$2.4MM$2.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$400.00K$262.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$120.00K$510.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-IRA Account
0.00%--Savings Account
0.00%--Club Account

South Texas Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$2.5k-Money Market

South Texas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.00%--Star Plus Checking
0.00%--Platinum Checking

South Texas Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office2121 W Dove AveMcAllen, TX 78504-4064
Branch Office401 N Westgate DrWeslaco, TX 78596-2705

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