Credit union · NCUA insured
Ellis County Teachers & Employees FCU
A $18.4M credit union headquartered in Waxahachie, TX, with 2,224 members and 1 branch in Texas. Best rates: CDs 3.72% and savings 1.51% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—3.72%CD rates →
- Savings881.51%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ellis County Teachers & Employees FCU
Ellis County Teachers & Employees Federal Credit Union is located in Waxahachie, Texas.
- Headquarters
- 61 Northgate Dr, Waxahachie, TX 75165-1433
- NCUA charter
- 12266
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This may be incomplete or out of date, so check with the credit union before you apply.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 this Credit Union are eligible for membership.
Military, government and schools
- Employees of the City of Waxahachie, City of Ennis, City of Red Oak, City of Ferris, and City of Maypearl are eligible for membership.
- Employees of Ellis County, Texas are eligible for membership.
- Employees of Waxahachie ISD, Ennis ISD, Midlothian ISD, Red Oak ISD, Ferris ISD, Palmer ISD, Avalon ISD, Milford ISD, Maypearl ISD, and Italy ISD are eligible for membership.
- Persons retired as pensioners or annuitants from the specified qualifying employment are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Cost to join
- Eligible members are required to open a savings account with a minimum balance of $25.00, which must remain in the account to keep it open.
- There is a $2.00 membership fee to join the Credit Union.
Branches
1 branch in Texas
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Texas
1 branch
- Ellis County Teachers & Employees Federal Credit UnionMain office61 Northgate Dr, Waxahachie, TX 75165Directions
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 | 20.13% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio20.13%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 Ellis County Teachers & Employees FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.