Credit union · NCUA insured
Raiz
A $1.1B credit union headquartered in El Paso, TX, with 79,277 members and 11 branches in Texas. Best rates: CDs 4.44% and savings 0.15% APY.
Raiz Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#10 of 17 in El Paso, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Raiz
Founded in 1936 by seven educators, Raiz was established to help people build stronger financial futures.
Raiz is a certified Community Development Financial Institution (CDFI).
- Headquarters
- 12020 Rojas Dr, El Paso, TX 79936
- NCUA charter
- 1409
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This may be incomplete or out of date, so check with the credit union before you apply.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 open to individuals who live, work, or worship in El Paso County.
Employers and groups
- Membership is open to Lifetime Members of the Underserved Communities Foundation.
Family and household
- Membership is open to family members of Raiz members.
Cost to join
- An initial deposit of $5 is required to open a Share Savings Account / new Raiz account.
Branches
11 branches in Texas
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Texas
11 branches
- RojasMain office12020 Rojas Dr, El Paso, TX 79936Directions
- Golden Key1226 Golden Key Cir, El Paso, TX 79925Directions
- Joe Battle3600 Joe Battle Blvd, El Paso, TX 79938Directions
- Kenworthy9835 Kenworthy St, El Paso, TX 79924Directions
- Lomaland975 Lomaland Dr, El Paso, TX 79907Directions
- Mesa/University Self Service2112 N Mesa St, El Paso, TX 79902Directions
- Pullman Operations Center1241 Pullman Drive, El Paso, TX 79936Directions
- Resler1656 Resler Dr, El Paso, TX 79911Directions
- Stanton300 Montana Ave, El Paso, TX 79902Directions
- Village Court100 Village Ct, El Paso, TX 79922Directions
- Horizon13781 Horizon Blvd, Horizon City, TX 79928Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.21% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.95% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.06% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalNet worth ratio10.21%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.95%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.06%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Raiz are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.