Credit union · NCUA insured
Select Federal Credit Union
A $58.6M credit union headquartered in San Antonio, TX, with 5,462 members and 2 branches in Texas. Best rates: CDs 3.05% and savings 0.25% APY.
Select Federal Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#39 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Select Federal Credit Union
Originally chartered in 1939 to serve employees of the Southern Pacific S. A. Division Railroad, Select Federal Credit Union is based in San Antonio, Texas.
The credit union opened its field of membership to the community in 1986 and serves Eastside San Antonio.
- Headquarters
- 1914 N Interstate 35, San Antonio, TX 78208
- NCUA charter
- 3064
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This may be incomplete or out of date, so check with the credit union before you apply.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 those who work, study, live, or worship in Eastside San Antonio.
Employers and groups
- Membership is available to employees of qualifying Select Employee Groups (SEGs).
Branches
2 branches in Texas
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Texas
2 branches
- Meco Branch Office2308 18th St, Hondo, TX 78861Directions
- Disaster Recovery Location1319 E Crockett St, San Antonio, TX 78202Directions
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 | 15.08% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.83% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.67% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio15.08%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.83%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.67%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ 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 Select 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.