Credit union · NCUA insured
MOPAC Employees Federal Credit Union
A $22.5M credit union headquartered in Palestine, TX, with 2,429 members and 1 branch in Texas. Best rates: CDs 3.30% APY.
MOPAC Employees Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#3 of 4 in Palestine, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MOPAC Employees Federal Credit Union
Established in 1936 to serve employees of the International-Great Northern Railroad, MOPAC Employees Federal Credit Union evolved through rail industry mergers with Missouri Pacific in 1956 and Union Pacific in 1999.
Based in Palestine, Texas, the financial institution operates as a member-owned, not-for-profit credit union.
- Headquarters
- 200 S Queen St, Palestine, TX 75801-3544
- NCUA charter
- 1129
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This may be incomplete or out of date, so check with the credit union before you apply.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 and retired employees of Texas State Railroad are eligible for membership.
- Employees and retired employees of Union Pacific Railroad are eligible for membership.
Family and household
- Family members related by blood or marriage to qualifying employees/retired employees are eligible for membership.
Branches
1 branch in Texas
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Texas
1 branch
- Mopac Employees FcuMain office200 S Queen St, Palestine, TX 75801Directions
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 | 9.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.34% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.23% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $96 | $59 | — |
- CapitalNet worth ratio9.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.34%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$96Peers’ 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 MOPAC Employees 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.