Credit union · NCUA insured
Kerr County Federal Credit Union
A $156.7M credit union headquartered in Kerrville, TX, with 13,906 members and 4 branches in Texas. Best rates: CDs 3.30% and savings 0.75% APY.
Kerr County Federal Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#4 of 8 in Kerrville, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kerr County Federal Credit Union
Kerr County Federal Credit Union operates branches in Kerrville and Junction, Texas, with its main office located in Kerrville.
- Headquarters
- 500 Main St, Kerrville, TX 78028-5380
- NCUA charter
- 1558
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located within Kerr, Kimble, Edwards, Bandera, Kendall, Real, and Gillespie Counties are eligible for membership.
Family and household
- Immediate family members (defined as spouse, child, step-child, sibling, parent, grandparent, or grandchild) of persons eligible through the field of membership are eligible to join.
Cost to join
- A minimum balance of $5 is required in the share savings account.
- There is a one-time membership fee of $5.
Branches
4 branches in Texas
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Texas
4 branches
Kerrville area · 3
- Central BranchMain office500 Main St, Kerrville, TX 78028Directions
- Kerrville - Main3700 Memorial Blvd, Kerrville, TX 78028Directions
- West Branch2335 Junction Hwy, Kerrville, TX 78028Directions
Junction area · 1
- Junction Branch2200 Main St, Junction, TX 76849Directions
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 | 12.14% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio12.14%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Kerr 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.