Credit union · NCUA insured
Edinburg Teachers Credit Union
Top CarrotA $98M credit union headquartered in Edinburg, TX, with 6,126 members and 1 branch in Texas. Best rates: CDs 4.00% APY.
Edinburg Teachers Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#2 of 14 in McAllen, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Edinburg Teachers Credit Union
Edinburg Teachers Credit Union is located in Edinburg, Texas.
- Headquarters
- 900 W University Dr, Edinburg, TX 78539
- NCUA charter
- 66366
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Edinburg Teachers Credit Union are eligible for membership.
Military, government and schools
- Employees of Edinburg Consolidated Independent School District are eligible for membership.
- Employees of Edcouch-Elsa Independent School District are eligible for membership.
- Employees of Lasara Independent School District are eligible for membership.
- Employees of La Villa Independent School District are eligible for membership.
- Employees of Monte Alto Independent School District are eligible for membership.
6 more ways to join
Military, government and schools
- Employees of Region One Educational Service Center are eligible for membership.
- Employees of South Texas Independent School District are eligible for membership.
- Employees of St. Joseph’s School are eligible for membership.
- Employees of University of Texas Rio Grande Valley are eligible for membership.
Family and household
- Family members of credit union members are eligible to join.
Other ways
- Retired employees from any of the listed eligible groups are eligible for membership.
Cost to join
- An initial membership deposit of $25.00 in a savings (share) account is required.
- A one-time fee of $1.00 is required.
Branches
1 branch in Texas
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Texas
1 branch
- Edinburg Teachers Credit UnionMain office900 W University Dr, Edinburg, TX 78539Directions
Walk-in offices from the NCUA directory as of June 30, 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 | 22.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.23% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio22.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ 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 Edinburg Teachers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.