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Associated Credit Union Of Texas

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Associated Credit Union Of Texas Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Associated Credit Union Of Texas 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 and Verified: September 10, 2026

Associated Credit Union Of Texas's Personal Loan Rates are at 9.29%. MonitorBankRates evaluates the financial stability of Associated Credit Union Of Texas with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.05%. Rates last updated and verified on 09/10/2026.

Associated Credit Union Of Texas 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 Associated Credit Union Of Texas? Share your experience about Associated Credit Union Of Texas by leaving a review below, or read customer reviews before you decide to use Associated Credit Union Of Texas.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.05%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Associated Credit Union Of Texas
Corporate Office

1095 W League City Pkwy
League City, TX 77573

https://www.acutx.org

Associated Credit Union Of Texas Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	4.24%
Details As low as; Learn More about auto loans Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.05%

Associated Credit Union Of Texas Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	9.29%
Details As low as; Learn More about personal loans Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Associated Credit Union Of Texas’s Texas Ratio stayed near 5.87% in Q2 2023 to 6.05% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$589M	6.05%	5.0	A
December 31, 2025	$571M	7.55%	5.0	A
September 30, 2025	$544M	9.07%	5.0	A
June 30, 2025	$529M	8.29%	5.0	A
March 31, 2025	$529M	6.99%	5.0	A
December 31, 2024	$513M	8.31%	5.0	A
September 30, 2024	$516M	8.25%	5.0	A
June 30, 2024	$533M	7.62%	5.0	A
March 31, 2024	$544M	6.75%	5.0	A
December 31, 2023	$535M	7.27%	5.0	A
September 30, 2023	$532M	7.57%	5.0	A
June 30, 2023	$540M	5.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Associated Credit Union Of Texas 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 Associated Credit Union Of Texas 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 Associated Credit Union Of Texas's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Associated Credit Union Of Texas

Website https://www.acutx.org

Address 1095 W League City Pkwy, League City, TX 77573

Phone 409-945-4474

Fax 409-942-1577

President Joel Mueller

CEO Clay Franks

Full-Time Employees 145

Part-Time Employees 9

Branch Locations 11

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.05%

Return on Assets (ROA)

0.2362%

Return on Equity (ROE)

2.1589%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

589,337,640

Total Amount of Shares and Deposits

521,914,219

Total Shares and Deposits < 1 Year

353,956,207

Total Shares and Deposits 1 3 Years

160,690,123

Total Shares and Deposits > 3 Years

7,267,887

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

12,045,338

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

12,045,338

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

509,868,881

Total Interest Expense (Sum of items 6 8)

1,727,889

Share Certificates

2,914

Number of Accounts for Share Drafts

30,480

IRA KEOGH Accounts

797

Number of Accounts for Regular Shares

44,326

All other shares

3,293

Money Market Shares

722

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

74,148,797

Total Liabilities

527,967,580

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Associated Credit Union Of Texas earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Associated Credit Union Of Texas

How many branches does Associated Credit Union Of Texas operate?

Associated Credit Union Of Texas 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 Associated Credit Union Of Texas?

Yes, to access services at Associated Credit Union Of Texas, 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, Associated Credit Union Of Texas 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, Associated Credit Union Of Texas provides members with tools to manage their accounts and build a solid financial history.

Does Associated Credit Union Of Texas offer online and mobile banking?

Most modern institutions like Associated Credit Union Of Texas 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://www.acutx.org.