Credit union · NCUA insured
La Joya Area FCU
A $61.8M credit union headquartered in Palmview, TX, with 14,429 members and 3 branches in Texas. Best rates: CDs 1.81% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. 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.
- CDs621.81%for 31–60 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About La Joya Area FCU
Chartered in 1961, La Joya Area Federal Credit Union was first formed by 15 La Joya ISD teachers to provide complete financial services to its members.
Headquartered in La Joya, Texas, the credit union is owned solely by its members.
- Headquarters
- 317 S Bentsen Palm DR, Palmview, TX 78572
- NCUA charter
- 14734
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This may be incomplete or out of date, so check with the credit union before you apply.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 within the Hidalgo County boundaries is eligible for membership.
Family and household
- Anyone who has an immediate family member who lives or works within Hidalgo County boundaries is eligible for membership.
Cost to join
- Children under 18, students in High School, and adults over 55 are exempt from the fee and can join with only a $25.00 deposit.
- New members must deposit at least $25.00 in a share (savings) account.
- Standard new members must pay a $5.00 membership application fee.
Branches
3 branches in Texas
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Texas
3 branches
- AnnexMain office317 S Bentsen Palm DR, Palmview, TX 78572Directions
- La Joya214 W Expressway 83, La Joya, TX 78560Directions
- Palmview Branch317 S Bentsen Palm Dr, Palmview, TX 78572Directions
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 | 10.82% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.07% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.06% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $55 | $59 | — |
- CapitalNet worth ratio10.82%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.07%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.06%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$55Peers’ 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 La Joya Area FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.