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Edinburg Teachers Credit Union

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Edinburg Teachers Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edinburg Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Edinburg Teachers Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.70%, 6-month share certificate rates at 3.33% and 3-month share certificate rates at 0.75%. Savings rates are at 0.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to Edinburg Teachers Credit Union rates. MonitorBankRates evaluates the financial stability of Edinburg Teachers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates were last updated on 04/23/2026.

Edinburg Teachers Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Edinburg Teachers Credit Union? Share your experience about Edinburg Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Edinburg Teachers Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.03%

Excellent Lower than avg

Edinburg Teachers Credit Union
Edinburg Teachers Credit Union

900 W University Dr
Edinburg, TX 78539

https://etcu.coop/

Current Rate Availability

We do not have Edinburg Teachers Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Edinburg Teachers Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Edinburg Teachers Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Edinburg Teachers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Edinburg Teachers Credit Union

Website https://etcu.coop/

Address 900 W University Dr, Edinburg, TX 78539

Phone 956-259-3511

Fax 956-381-8206

President Robert Tamez

CEO Mary Carpenter

Full-Time Employees 18

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.03%

Return on Assets (ROA)

0.3468%

Return on Equity (ROE)

1.5062%

Non-Performing Loans Ratio (NPL)

0.03%

Total Assets

95,616,886

Total Amount of Shares and Deposits

78,789,129

Total Shares and Deposits < 1 Year

78,625,500

Total Shares and Deposits 1 3 Years

102,453

Total Shares and Deposits > 3 Years

61,176

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,532,828

Total Uninsured Shares and Deposits > $250K (F+J)

1,532,828

Total Insured Shares and Deposits > $250K (item 17 less item K)

77,256,301

Total Interest Expense (Sum of items 6 8)

374,097

Share Certificates

216

Number of Accounts for Share Drafts

2,771

IRA KEOGH Accounts

164

Number of Accounts for Regular Shares

6,259

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

17,115,271

Total Liabilities

79,905,252

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Edinburg Teachers Credit Union

Is Edinburg Teachers Credit Union a safe place to deposit money?

Yes, Edinburg Teachers Credit Union is considered a safe financial institution. With a Texas Ratio of 0.030743229846116%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Edinburg Teachers Credit Union operate?

Edinburg Teachers Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Edinburg Teachers Credit Union?

Yes, to access services at Edinburg Teachers Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Edinburg Teachers Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edinburg Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Edinburg Teachers Credit Union offer online and mobile banking?

Most modern institutions like Edinburg Teachers Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://etcu.coop/.