Credit union · NCUA insured
Cherokee County Federal Credit Union
A $45.5M credit union headquartered in Rusk, TX, with 4,860 members and 2 branches in Texas. Best rates: CDs 1.91% and savings 0.25% APY.
Cherokee County Federal Credit Union Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#6 of 6 in Jacksonville, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cherokee County Federal Credit Union
Cherokee County Federal Credit Union was founded on March 12, 1960, originally serving employees of Rusk State Hospital.
In March 2009, the credit union expanded its membership to serve all of Cherokee County, Texas.
- Headquarters
- 144 N Henderson St, Rusk, TX 75785
- NCUA charter
- 13591
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Cherokee County.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Branches
2 branches in Texas
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Texas
2 branches
- Cherokee County Federal Credit UnionMain office144 N Henderson St, Rusk, TX 75785Directions
- Cherokee County Federal Credit Union2059 S Jackson St, Jacksonville, TX 75766Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 27.28% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.98% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio27.28%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cherokee County Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.