What are the current interest rates at TUCOEMAS?

Current rates for TUCOEMAS include: 12-Month CD: 1.25%, Savings: 0.20%

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TUCOEMAS Rates & Review October 2026

Q: How many branches does TUCOEMAS operate?

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

Q: Is a member application needed to join TUCOEMAS?

Yes, to access services at TUCOEMAS, 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.

Q: Is there a first-time homebuyer program?

Currently, TUCOEMAS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TUCOEMAS 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: October 14, 2026

TUCOEMAS's top rates as of October 14, 2026 are 1.25% APY on its CD - 12 Month, 0.20% APY on savings, 1.00% APY on checking, and personal loans from 7.50% APR, according to rates verified by MonitorBankRates. Other TUCOEMAS CD rates include CD - 6 Month at 1.00%. MonitorBankRates evaluates the financial stability of TUCOEMAS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.71%. Rates last updated and verified on 10/14/2026.

TUCOEMAS 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 TUCOEMAS? Share your experience about TUCOEMAS by leaving a review below, or read customer reviews before you decide to use TUCOEMAS.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.71%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TUCOEMAS
Cypress

5222 W Cypress Ave
Visalia, CA 93277

http://tucoemas.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TUCOEMAS CD Rates

Product	Rate	APY	Term
Share Certificate - 12 Month	1.25%	1.25%	12 Month
Min Deposit $10,000 Min Balance $10,000 Details Share Certificate ($10,000 minimum); dividends compounded and credited monthly; renewals automatic; additional deposits not allowed Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Share Certificate - 6 Month	1.00%	1.00%	6 Month
Min Deposit $10,000 Min Balance $10,000 Details Share Certificate ($10,000 minimum); dividends compounded and credited monthly; renewals automatic; additional deposits not allowed Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS Savings Rates

Product	Rate	APY
Holiday Club Savings	0.20%	0.20%
Min Deposit $5 Min Balance $250 Details Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Regular Share Savings	0.20%	0.20%
Min Deposit $5 Min Balance $250 Details Balance: $250 minimum to earn; Minimum balance to avoid a service fee is $250; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Special Share Savings	0.20%	0.20%
Min Deposit $5 Min Balance $250 Details Minimum balance to avoid a service fee is $250; Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Vacation Club Savings	0.20%	0.20%
Min Deposit $5 Min Balance $250 Details Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS Checking Rates

Product	Rate	APY	View More
KASASA Cash Checking	-	1.00%
Details Qualifications Required; Qualifying balance up to $5,000.00; 0.25% APY on the portion of the balance over $5,000; 0.05% APY if qualifications are not met; ATM fees refunded up to $20 per month Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05% Oct 14, 20261.00%▲ from 0.05% Sep 30, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (Model Year 2024 & Newer)	-	-	4.25%	0-36 Months
Details As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)	-	-	4.25%	37-48 Months
Details As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)	-	-	4.49%	0-36 Months
Details As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)	-	-	4.49%	37-48 Months
Details As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)	-	-	4.50%	49-60 Months
Details As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)	-	-	4.74%	49-60 Months
Details As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)	-	-	4.75%	61-72 Months
Details As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)	-	-	4.99%	61-72 Months
Details As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)	-	-	5.25%	73-84 Months
Details As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)	-	-	5.49%	73-84 Months
Details As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	6.00%	0-36 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	6.00%	37-48 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	6.25%	49-60 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	6.50%	61-72 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	7.00%	73-84 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Green Auto Loan (2018 & Newer)	-	-	8.75%	85-96 Months
Details As Low As; Eligible electric and hybrid vehicles, model years 2018 and newer; 1.00% APR reduction from standard vehicle loan rates; as low as rate includes a maximum discount of 1.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	-	6.50%	12-48 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Recreational Vehicles Loan	-	6.75%	49-60 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	6.75%	48 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Boats (Model Year 2024 & newer) Loan	-	7.00%	48 Months
Details As Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Boats Loan	-	7.00%	48 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Recreational Vehicles Loan	-	7.00%	61-72 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	7.00%	60 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Boats (Model Year 2024 & newer) Loan	-	7.25%	60 Months
Details As Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Boats Loan	-	7.25%	48 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	7.25%	72 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Boats (Model Year 2024 & newer) Loan	-	7.50%	72 Months
Details As Low As; Model Year 2024 & newer; 72-month term (estimated) available when financing over $15,000; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Boats Loan	-	7.50%	60 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Boats (Model Year 2024 & newer) Loan	-	7.75%	84 Months
Details As Low As; Model Year 2024 & newer; 84-month term (estimated) available when financing over $20,000; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Recreational Vehicles Loan	-	7.75%	73-84 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Boats Loan	-	7.75%	72 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%; 72-month term (estimated) available when financing over $15,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	8.00%	84 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Recreational Vehicles Loan	-	8.25%	85-120 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100%; 120-month term (estimated) available when financing is over $30,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Boats Loan	-	8.75%	84 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%; 84-month term (estimated) available when financing over $20,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	8.75%	120 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
New Recreational Vehicles Loan	-	9.25%	121-180 Months
Details As Low As; Max Loan-to-Value Financed: Up to 100%; 180-month term (estimated) available when financing is over $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Used Recreational Vehicles Loan	-	10.25%	180 Months
Details As Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS Personal Loan Rates

Product	APR	Term
Home Energy Loan (Unsecured)	7.50%	Up to 36 months
Details As Low As; Unsecured Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 12 Months	7.99%	12 Months
Details As Low As; Estimated Monthly Payment per $1,000: $86.98; Amount financed up to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)	8.00%	48 months
Details As Low As; Unsecured Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)	8.50%	60 months
Details As Low As; Unsecured Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 24 Months	8.99%	24 Months
Details As Low As; Estimated Monthly Payment per $1,000: $45.68; Amount financed up to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)	9.00%	84 months
Details As Low As; Unsecured Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature Home Improvement Loan	9.74%	60 Months
Details APR (as low as); Estimated monthly payment per $1,000: $21.12; Minimum amount $10,000, maximum $40,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 36 Months	9.99%	36 Months
Details As Low As; Estimated Monthly Payment per $1,000: $32.26; Amount financed up to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature Home Improvement Loan	10.74%	72 Months
Details APR (as low as); Estimated monthly payment per $1,000: $18.90; Minimum amount $10,000, maximum $40,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature Home Improvement Loan	11.24%	84 Months
Details APR (as low as); Estimated monthly payment per $1,000: $17.25; Minimum amount $10,000, maximum $40,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 11.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 48 Months	11.49%	48 Months
Details As Low As; Estimated Monthly Payment per $1,000: $26.08; Amount financed up to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 60 Months	12.49%	60 Months
Details As Low As; Estimated Monthly Payment per $1,000: $22.49; Amount financed up to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature Home Improvement Loan	12.74%	96 Months
Details APR (as low as); Estimated monthly payment per $1,000: $16.66; Minimum amount $10,000, maximum $40,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 12.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Signature Home Improvement Loan	13.74%	108 Months
Details APR (as low as); Estimated monthly payment per $1,000: $16.18; Minimum amount $10,000, maximum $40,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 13.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

TUCOEMAS Other Rates

Product	Rate	Points	APY/APR	Term
GreenUp Loan	-	-	7.50%	Up to 36 months
Details As Low As; Max Loan to Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
GreenUp Loan	-	-	8.50%	Up to 48 months
Details As Low As; Max Loan to Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
GreenUp Loan	-	-	9.50%	Up to 60 months
Details As Low As; Max Loan to Value Financed: Up to 100% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
IRA Daily	0.30%	-	0.30%
Min Deposit $5 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Money Action	0.30%	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Dividends compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Representative Payee	0.20%	-	0.20%
Min Deposit $5 Min Balance $250 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

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

TUCOEMAS’s Texas Ratio rose from 3.87% in Q3 2023 to 4.71% in Q2 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; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$332M	4.71%	5.0	A+
March 31, 2026	$337M	2.63%	5.0	A+
December 31, 2025	$338M	4.88%	5.0	A+
September 30, 2025	$337M	3.88%	5.0	A+
June 30, 2025	$323M	4.46%	5.0	A+
March 31, 2025	$321M	2.06%	5.0	A+
December 31, 2024	$306M	3.76%	5.0	A+
September 30, 2024	$351M	4.08%	5.0	A+
June 30, 2024	$331M	8.39%	5.0	A
March 31, 2024	$329M	10.94%	5.0	A
December 31, 2023	$355M	6.06%	5.0	A
September 30, 2023	$323M	3.87%	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 TUCOEMAS 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 TUCOEMAS 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 TUCOEMAS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TUCOEMAS

Website http://tucoemas.org

Address 5222 W Cypress Ave, Visalia, CA 93277

Phone 559-737-5900

Fax 559-737-5934

President Brandon Gridiron

CEO Brice Yocum

Full-Time Employees 75

Part-Time Employees 8

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.71%

Return on Assets (ROA)

0.9777%

Return on Equity (ROE)

9.4567%

Non-Performing Loans Ratio (NPL)

1.25%

Total Assets

331,985,191

Total Amount of Shares and Deposits

298,500,470

Total Shares and Deposits < 1 Year

297,124,340

Total Shares and Deposits 1 3 Years

1,376,131

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

12,865,369

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

12,865,369

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

285,635,101

Total Interest Expense (Sum of items 6 8)

882,180

Share Certificates

1,041

Number of Accounts for Share Drafts

15,363

IRA KEOGH Accounts

473

Number of Accounts for Regular Shares

30,972

Money Market Shares

196

Net Income (unless the amount is already included in Undivided Earnings)

3,245,915

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)

54,767,605

Total Liabilities

303,403,918

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

TUCOEMAS earned the Verified Healthy badge

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Frequently Asked Questions About TUCOEMAS

How many branches does TUCOEMAS operate?

TUCOEMAS 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 TUCOEMAS?

Yes, to access services at TUCOEMAS, 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, TUCOEMAS 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, TUCOEMAS provides members with tools to manage their accounts and build a solid financial history.

Does TUCOEMAS offer online and mobile banking?

Most modern institutions like TUCOEMAS 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://tucoemas.org.

Current TUCOEMAS Rates

12-Month CD1.25%
Savings0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

TUCOEMAS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

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Credit Union Profile & Overview

Financials

TUCOEMAS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TUCOEMAS

How many branches does TUCOEMAS operate?

Is a member application needed to join TUCOEMAS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TUCOEMAS offer online and mobile banking?

Current TUCOEMAS Rates

Compare to Other Credit Unions