Credit union · NCUA insured
Starr County Teachers Federal Credit Union
A $46.2M credit union headquartered in Rio Grande City, TX, with 4,581 members and 2 branches in Texas. Best rates: savings 0.80% APY.
Starr County Teachers Federal Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#1 of 2 in Rio Grande City, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Starr County Teachers Federal Credit Union
Founded in 1968 by educators, Starr County Teachers Federal Credit Union was established to provide school district employees with a dedicated financial institution offering better rates on loans and deposits.
Headquartered in Rio Grande City, Texas, the credit union is member owned and member driven.
- Headquarters
- 1322 E San Benito St, Rio Grande City, TX 78582
- NCUA charter
- 18559
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Full-time employees of Roma ISD, San Isidro ISD, or Rio Grande City Grulla ISD (any school district employee within the county) are eligible for membership.
Family and household
- Immediate family members of a primary member (such as a spouse, father, mother, sister, brother, son, or daughter) are eligible for membership.
Branches
2 branches in Texas
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Texas
2 branches
- Starr County Teachers FCUMain office1322 E San Benito St, Rio Grande City, TX 78582Directions
- Starr County Teachers FCU801 N Garcia St, Roma, TX 78584Directions
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 | 16.85% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.51% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $23 | $59 | — |
- CapitalNet worth ratio16.85%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.51%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$23Peers’ 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 Starr County Teachers 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.