Credit union · NCUA insured
Swemp Federal Credit Union
A $12.3M credit union headquartered in Texarkana, TX, with 985 members and 1 branch in Texas.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings—0.50%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Swemp Federal Credit Union
SWEMP Federal Credit Union was established in 1946 by SWEPCO employees.
The credit union is headquartered in Texarkana, Texas.
- Headquarters
- 601 Olive St, Texarkana, TX 75501
- NCUA charter
- 5325
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This may be incomplete or out of date, so check with the credit union before you apply.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 of SWEPCO/AEP are eligible to join SWEMP Federal Credit Union.
Family and household
- Immediate relatives of members (including spouse, mother, father, sister, brother, son, and daughter) are eligible to join.
Branches
1 branch in Texas
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Texas
1 branch
- Swemp Federal CuMain office601 Olive St, Texarkana, TX 75501Directions
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 | 19.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.57% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $88 | $59 | — |
- CapitalNet worth ratio19.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$88Peers’ 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 Swemp 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.