Credit union · NCUA insured
Texas Tech Credit Union
Top CarrotA $447M credit union headquartered in Lubbock, TX, with 36,472 members and 5 branches in Texas. Best rates: CDs 4.00% and savings 2.25% APY.
Texas Tech Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#4 of 18 in Lubbock, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Texas Tech Credit Union
Texas Tech Credit Union is owned and operated by its members rather than stockholders as a not-for-profit financial institution.
- Headquarters
- 1802 Texas Tech Parkway, Lubbock, TX 79409
- NCUA charter
- 12858
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the American Consumer Council at no additional cost to qualify for membership.
Military, government and schools
- Employees and retirees of specified school districts and Lubbock Christian University are eligible for membership.
- Students, employees, retirees, and alumni of Texas Tech University and Texas Tech Health Sciences Center are eligible for membership.
Family and household
- Immediate family members of individuals who qualify through education affiliations or who are current members of Texas Tech Credit Union are eligible for membership.
- Relatives of a current member are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Branches
5 branches in Texas
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Texas
5 branches
Lubbock area · 3
- Main BranchMain office1802 Texas Tech Parkway, Lubbock, TX 79409Directions
- Health Sciences Center Branch3601 4th St # 1A98, Lubbock, TX 79430Directions
- Ravenwood Branch4005 98th Street, Lubbock, TX 79424Directions
Abilene area · 1
- Abilene Branch Catclaw4001 Catclaw Dr, Abilene, TX 79606Directions
Plainview area · 1
- FCS Branch230 W California St, Floydada, TX 79235Directions
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 | 10.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio10.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ 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 Texas Tech Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.