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Advertiser Disclosure
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ELLIS COUNTY TEACHERS AND EMPLOYEES Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
ELLIS COUNTY TEACHERS AND EMPLOYEES's savings rates are at 1.50%. ELLIS COUNTY TEACHERS AND EMPLOYEES's Personal Loan Rates are at 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 0.20%. Rates were last updated on 04/19/2026. 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. Mechanics & Farmers Bank
Ellis County Teachers and Employees Federal Credit Union 61 NORTHGATE DR
http://ectefcu.net WAXAHACHIE, TX 75165 1433 
ELLIS COUNTY TEACHERS AND EMPLOYEES Savings Rates
ELLIS COUNTY TEACHERS AND EMPLOYEES Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.20%
Return on Assets (ROA)
1.4559%
Return on Equity (ROE)
7.4625%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
17,871,500
Total Amount of Shares and Deposits
14,348,704
Total Shares and Deposits < 1 Year
14,348,704
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,348,704
Total Interest Expense (Sum of items 6 8)
214,745
Share Certificates
98
Number of Accounts for Regular Shares
2,281
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,858,943
Total Liabilities
14,384,909
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ELLIS COUNTY TEACHERS AND EMPLOYEESIs ELLIS COUNTY TEACHERS AND EMPLOYEES a safe place to deposit money?Yes, ELLIS COUNTY TEACHERS AND EMPLOYEES is considered a safe financial institution. With a Texas Ratio of 0.19772895645058%, 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 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. Current ELLIS COUNTY TEACHERS AND EMPLOYEES Rates
Retrieved from our database of financial products. Rates subject to change.
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