Credit union · NCUA insured
PECU
Top CarrotA $439.1M credit union headquartered in Austin, TX, with 21,602 members and 4 branches in Texas. Best rates: CDs 4.00% and savings 0.55% APY.
PECU Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#6 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PECU
Founded in 1952, PECU is a member-owned credit union.
The credit union was formed to promote thrift and provide a source of credit among its members.
PECU serves individuals who live, work, worship, or attend school in Bastrop, Hays, Travis, and Williamson counties.
- Headquarters
- 306 E 10th St, Austin, TX 78701
- NCUA charter
- 67428
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to anyone who lives, works, worships, or attends school within a 10-mile radius of any PECU office.
- Membership is open to anyone who lives, works, worships, or attends school in Travis County.
- Membership is open to anyone who lives, works, worships, or attends school in Williamson County.
- Membership is open to anyone who lives, works, worships, or attends school in Bastrop County and Hays County.
Branches
4 branches in Texas
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Texas
4 branches
- Main OfficeMain office306 E 10th St, Austin, TX 78701Directions
- North Branch Office1200 W 42nd St, Austin, TX 78756Directions
- Round Rock Branch Office15800 Ranch Road 620 N, Austin, TX 78717Directions
- Walnut Creek Business Park Branch Office8013 Centre Park Dr, Austin, TX 78754Directions
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 | 14.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.47% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio14.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.47%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ 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 PECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.