West Texas 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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

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

3.50%

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.westtexascu.com

432-934-0433

4301 Mission Blvd
Odessa, TX 79765

West Texas Credit Union is headquartered in Odessa and is the 178^th largest credit union in the state of Texas. It is also the 2,212^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 23 employees and 4,918 members at 3 locations. West Texas Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

West Texas Credit Union is open to those who live, work or worship in Ector county.
See current membership details

Reviews

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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. West Texas Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	67592
Year Chartered	1953
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	2.35%
Annual Interest Income	$760K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$65.2MM$62.8MM
Loans	Q1 2025vs Q1 2024	$37.5MM$33.2MM
Deposits	Q1 2025vs Q1 2024	$58.1MM$55.9MM
Equity Capital	Q1 2025vs Q1 2024	$6.4MM$6.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$161K$157K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$123K$273K
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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

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

3.50%

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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Savings
Money Market
CD
IRA

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

West Texas Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$5k^*	-	Shares
OTHER TIERS: 0.10% → $5 - $5k

West Texas Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.15%^*	$25k^*	-	Money Market
OTHER TIERS: 0.90% → $2.5k - $25k

West Texas Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$1k	-	12 Month CD
4.20%	$1k	-	6 Month CD
3.00%	$1k	-	24 Month CD
2.58%	$1k	-	36 Month CD

West Texas Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.69%	$0	-	IRA Savings

Locations

West Texas Credit Union Locations
Branch Office	1001 N Lee Ave	Odessa, TX 79761-3948
Branch Office	4440 E 52nd St	Odessa, TX 79762-4826
Corporate Office	4301 Mission Blvd	Odessa, TX 79765

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