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ELLIS COUNTY TEACHERS AND EMPLOYEES

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ELLIS COUNTY TEACHERS AND EMPLOYEES Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ELLIS COUNTY TEACHERS AND EMPLOYEES 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 12, 2026

ELLIS COUNTY TEACHERS AND EMPLOYEES's 6 MONTH CD of Deposit rates are at 3.65%. ELLIS COUNTY TEACHERS AND EMPLOYEES's Personal Loan Rates are as low as 7.50%. MonitorBankRates evaluates the financial stability of ELLIS COUNTY TEACHERS AND EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/12/2026.

ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES? Share your experience about ELLIS COUNTY TEACHERS AND EMPLOYEES by leaving a review below, or read customer reviews before you decide to use ELLIS COUNTY TEACHERS AND EMPLOYEES.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ELLIS COUNTY TEACHERS AND EMPLOYEES
Ellis County Teachers & Employees Federal Credit Union

61 NORTHGATE DR
WAXAHACHIE, TX 75165-1433

http://ectefcu.net

ELLIS COUNTY TEACHERS AND EMPLOYEES CD Rates

Product	Rate	APY	Term	View More
6 MONTH Certificate of Deposit	3.65%	3.65%	6 MONTH
Details Early withdrawal penalty 60 days interest. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ELLIS COUNTY TEACHERS AND EMPLOYEES Auto Loan Rates

Product	Rate	Points	APR	Term
Boats, Motorcycles & All-Terrain Vehicles - NEW Loan	-	-	5.90%	UP TO 60 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto Loan	-	-	6.00%	UP TO 36 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto Loan	-	-	6.25%	37 - 48 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto Loan	-	-	6.50%	49 - 60 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto Loan	-	-	6.75%	61 - 72 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Boats, Motorcycles & All-Terrain Vehicles - USED Loan	-	-	6.90%	UP TO 60 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Recreation Vehicle - NEW Loan	-	-	6.99%	UP TO 60 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	6.99%	72 MONTHS
Details Year: 2024 - 2026 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto Loan	-	-	7.25%	73 - 84 MONTHS
Details FINANCE $40K OR HIGHER Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.49%	84
Details Term: 84 MONTHS ($35K & OVER); Year: 2024 - 2026 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Recreation Vehicle - USED Loan	-	-	7.99%	UP TO 60 MONTHS
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.99%	72
Details Term: 72 MONTHS ($30K & OVER); Year: 2021 - 2023 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	8.49%	60
Details Term: 60 MONTHS ($25K & OVER); Year: 2018 - 2020 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	8.99%	48
Details Term: 48 MONTHS ($20K & OVER); Year: 2017 & OLDER Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ELLIS COUNTY TEACHERS AND EMPLOYEES Personal Loan Rates

Product	APR	Term
New Personal Property Loan	7.50%	UP TO 48 MONTHS
Details Type: NEW Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Personal Property Loan	8.90%	UP TO 48 MONTHS
Details Type: USED Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Signature	15.00%	UP TO 18 MONTHS
Details Amount: UP TO $1,700.00 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

ELLIS COUNTY TEACHERS AND EMPLOYEES’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.00% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$18M	0.00%	5.0	A+
December 31, 2025	$18M	0.00%	5.0	A+
September 30, 2025	$18M	0.20%	5.0	A+
June 30, 2025	$18M	0.01%	5.0	A+
March 31, 2025	$17M	0.00%	5.0	A+
December 31, 2024	$17M	0.02%	5.0	A+
September 30, 2024	$18M	0.04%	5.0	A+
June 30, 2024	$18M	0.00%	5.0	A+
March 31, 2024	$18M	0.00%	5.0	A+
December 31, 2023	$18M	0.10%	5.0	A+
September 30, 2023	$19M	0.00%	5.0	A+
June 30, 2023	$19M	0.00%	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 ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ELLIS COUNTY TEACHERS AND EMPLOYEES

Website http://ectefcu.net

Address 61 NORTHGATE DR, WAXAHACHIE, TX 75165-1433

Phone 972-937-4560

Fax 972-937-4589

President MIKE TURNER

CEO LISA POPE

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

0.00%

Return on Assets (ROA)

0.4131%

Return on Equity (ROE)

2.0835%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

18,389,344

Total Amount of Shares and Deposits

14,711,199

Total Shares and Deposits < 1 Year

14,711,199

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

14,711,199

Total Interest Expense (Sum of items 6 8)

73,445

Share Certificates

107

Number of Accounts for Regular Shares

2,313

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)

3,256,537

Total Liabilities

14,743,137

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

ELLIS COUNTY TEACHERS AND EMPLOYEES 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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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for ELLIS COUNTY TEACHERS AND EMPLOYEES

Frequently Asked Questions About ELLIS COUNTY TEACHERS AND EMPLOYEES

How many branches does ELLIS COUNTY TEACHERS AND EMPLOYEES operate?

ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES?

Yes, to access services at ELLIS COUNTY TEACHERS AND EMPLOYEES, 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, ELLIS COUNTY TEACHERS AND EMPLOYEES 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, ELLIS COUNTY TEACHERS AND EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does ELLIS COUNTY TEACHERS AND EMPLOYEES offer online and mobile banking?

Most modern institutions like ELLIS COUNTY TEACHERS AND EMPLOYEES 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: http://ectefcu.net.