SPCO Credit Union


Overview / Commentary
713-455-8586
12755 N Houston Rosslyn Rd
Houston, TX 77086

SPCO Credit Union is headquartered in Houston and is the 206th largest credit union in the state of Texas. It is also the 2,673rd largest credit union in the nation. It was established in 1968 and as of September of 2023, it had grown to 7 employees and 2,840 members at 1 location. SPCO Credit Union's CD rates are 5X the national average, and it has a C+ 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

Reviews

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



Health
C+
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

Overall
NCUA #61438
Year Chartered1968
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD-0.29%
Return on Equity - YTD-3.13%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$39.8MM$39.6MM
LoansQ3 2023vs Q3 2022$33.7MM$32.7MM
DepositsQ3 2023vs Q3 2022$34.2MM$35.4MM
Equity CapitalQ3 2023vs Q3 2022$3.8MM$3.8MM
Loan Loss AllowanceQ3 2023vs Q3 2022$205K$174K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$152K$107K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%--IRA
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--On Track Checking Accounts

SPCO Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.01%*$50k*-2 Year CD
OTHER TIERS: 4.70% $1k - $50k
4.59%*$50k*-1 Year CD
OTHER TIERS: 4.33% $1k - $50k
4.18%*$50k*-3 Year CD
OTHER TIERS: 4.07% $1k - $50k
4.07%*$50k*-6 Month CD
OTHER TIERS: 3.82% $1k - $50k
4.02%*$50k*-4 Year CD
OTHER TIERS: 3.82% $1k - $50k
3.41%*$50k*-5 Year CD
OTHER TIERS: 3.31% $1k - $50k
Locations


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.