SPCO Credit Union

Overview / Commentary
12755 N Houston Rosslyn Rd
Houston, TX 77086

SPCO Credit Union is headquartered in Houston and is the 205th largest credit union in the state of Texas. It is also the 2,587th largest credit union in the nation. It was established in 1968 and as of June of 2020, it had grown to 8 employees and 3,256 members at 1 location. SPCO Credit Union's CD rates are 23% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

SPCO Credit Union membership is open to employees of Union Pacific Railroad, and any owner or employee (and their family) of a graphics-related company in Harris County, TX. Eligibility also extends to anyone who lives, works, attends school or congregates regularly within a 10-mile radius of any of the credit union's offices.
See current membership details

Related Posts

5-Year CD, 2.99% APY, $50,000 Minimum Deposit - 3/26/2020

5-year CD, 2.99% APY, $50,000 5-year CD, 2.73% APY, $1,000 Houston area residents "who live, work, attend classes, or gather regularly within 10 miles" of SPCO's branch on N. Houston-Rosslyn Road (NW Houston) are eligible for membership.

View all posts from:


No reviews have been left for this bank yet. Be the first to review.

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. SPCO Credit Union has a low asset base.

Health Grade Components

NCUA #61438
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD-0.35%
Return on Equity - YTD-3.95%
Annual Interest Income$891.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$42.8MM$37.6MM
LoansQ2 2020vs Q2 2019$30.3MM$29.2MM
DepositsQ2 2020vs Q2 2019$38.6MM$32.5MM
Equity CapitalQ2 2020vs Q2 2019$3.6MM$3.6MM
Loan Loss AllowanceQ2 2020vs Q2 2019$213.00K$233.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$115.00K$175.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not SPCO 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.

SPCO Credit Union Savings Account Rates

0.40%*$25k*-Savings Account
OTHER TIERS: 0.10% $25 - $5k | 0.25% $5k - $25k
0.25%--Christmas Club Accounts

SPCO Credit Union Checking Account Rates

0.10%--On Track Checking Accounts

SPCO Credit Union CD Rates

1.55%*$50k*-5 Year CD
OTHER TIERS: 1.45% $1k - $50k
1.45%*$50k*-4 Year CD
OTHER TIERS: 1.35% $1k - $50k
1.35%*$50k*-3 Year CD
OTHER TIERS: 1.25% $1k - $50k
1.30%*$50k*-2 Year CD
OTHER TIERS: 1.20% $1k - $50k
1.11%*$50k*-1 Year CD
OTHER TIERS: 0.85% $1k - $50k
0.55%*$50k*-6 Month CD
OTHER TIERS: 0.41% $1k - $50k

SPCO Credit Union Locations
Branch Office12755 N Houston Rosslyn RdHouston, TX 77086

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.