Credit union · NCUA insured
Keystone Credit Union
A $40M credit union headquartered in Tyler, TX, with 2,931 members and 2 branches in Texas. Best rates: savings 1.24% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings873.09%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Keystone Credit Union
Founded in 1964 by leaders of the Tyler Pipe Industry, Keystone Credit Union was established to protect employees from being taken advantage of.
The member-owned, not-for-profit cooperative focuses on serving the community in Tyler, Texas.
- Headquarters
- 11877 County Road 492, Tyler, TX 75706
- NCUA charter
- 67869
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives or works in Smith County can become a member.
- Individuals who live, work, or worship in Tyler, or live within a 10-mile radius, are eligible for membership.
Family and household
- Individuals who have a relative or family member with an existing membership are eligible to join.
Cost to join
- Membership requires providing ID, signature, and paying a $5.00 fee to purchase a share of the credit union.
Branches
2 branches in Texas
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Texas
2 branches
- Corporate OfficeMain office11877 County Road 492, Tyler, TX 75706Directions
- Branch - 1550 Rice Rd1550 Rice Rd, Tyler, TX 75703Directions
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 | 27.38% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.68% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.86% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $95 | $59 | — |
- CapitalNet worth ratio27.38%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.68%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$95Peers’ 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 Keystone Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.