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Friona Texas Federal Credit Union

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Friona Texas Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Friona Texas Federal 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 and Verified: September 10, 2026

Friona Texas Federal Credit Union's Personal Loan Rates are at 3.00%. MonitorBankRates evaluates the financial stability of Friona Texas Federal Credit Union with a 4.2 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 24.43%. Rates last updated and verified on 09/10/2026.

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

Overall Health & Safety Grade

C+

Fair Health Score: 80/100

MonitorBankRates Rating

4.2

Excellent Out of 5.0 Stars

Texas Ratio

24.43%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Friona Texas Federal Credit Union
Friona Texas Federal CU

801 Austin Ave
Friona, TX 79035

https://www.frionacu.com/

Friona Texas Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.00%
Details New and Used Cars - Credit Score 800 or Above Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
New Auto Loan	-	-	4.00%
Details New and Used Cars-Credit Score 700 or above 100% Finance Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
New Vehicle Loans	-	-	6.00%	up to 48 months
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
New Vehicle Loans	-	-	7.00%	49 through 60 months
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
Used Vehicle Loans	-	-	7.00%	1 to 4 years
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
Used Vehicle Loans	-	-	8.00%	5 to 7 years
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
Used Vehicle Loans	-	-	9.00%	8 to 10 years
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%
Used Vehicle Loans	-	-	11.00%	Over 10 years
No additional details. Last Updated 09/09/2026 Institution Ratings 4.2 Star Rating C+ Health Grade ◈ Texas Ratio: 24.43%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Friona Texas Federal Credit Union’s Texas Ratio fell from 28.82% in Q2 2023 to 24.43% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 4.2 and its Health Grade from C to C+. 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	$14M	24.43%	4.2	C+
December 31, 2025	$15M	19.61%	4.6	B
September 30, 2025	$15M	26.08%	4.1	C+
June 30, 2025	$15M	27.90%	3.9	C
March 31, 2025	$15M	18.86%	4.7	B+
December 31, 2024	$14M	19.96%	4.6	B
September 30, 2024	$15M	28.28%	3.9	C
June 30, 2024	$15M	30.19%	3.7	C-
March 31, 2024	$16M	24.65%	4.2	C+
December 31, 2023	$16M	16.71%	4.9	A-
September 30, 2023	$16M	41.81%	2.8	F
June 30, 2023	$16M	28.82%	3.9	C

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 Friona Texas Federal 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 Friona Texas Federal 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 Friona Texas Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Friona Texas Federal Credit Union

Website https://www.frionacu.com/

Address 801 Austin Ave, Friona, TX 79035

Phone 806-250-2736

Fax 806-250-3501

President Rosalinda Cigarroa

CEO Juan Tafoya

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

4.2 / 5.0 ★

Overall Health & Safety Grade

C+ (80/100)

Texas Ratio

24.43%

Return on Assets (ROA)

-1.2656%

Return on Equity (ROE)

-8.6433%

Non-Performing Loans Ratio (NPL)

11.68%

Total Assets

14,453,631

Total Amount of Shares and Deposits

12,282,649

Total Shares and Deposits < 1 Year

12,282,649

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

12,282,649

Total Interest Expense (Sum of items 6 8)

35,249

Share Certificates

104

Number of Accounts for Share Drafts

579

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,700

All other shares

150

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)

5,678,564

Total Liabilities

12,337,185

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Friona Texas Federal Credit Union

How many branches does Friona Texas Federal Credit Union operate?

Friona Texas Federal 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 Friona Texas Federal Credit Union?

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

Does Friona Texas Federal Credit Union offer online and mobile banking?

Most modern institutions like Friona Texas Federal 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://www.frionacu.com/.