Credit union · NCUA insured
Wharton County Teachers Credit Union
A $7.5M credit union headquartered in Wharton, TX, with 675 members and 1 branch in Texas. Best rates: savings 0.13% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings660.15%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wharton County Teachers Credit Union
Chartered on September 4, 1953, Wharton County Teachers Credit Union has provided financial services to employees of Wharton County Junior College and the five independent school districts in Wharton County since its founding.
The credit union promotes thrift and savings in the Wharton County education community while providing access to loan opportunities for those new to the profession and community.
- Headquarters
- 2114 Junior College Blvd, Wharton, TX 77488
- NCUA charter
- 67458
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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Wharton County.
Family and household
- Membership is open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, step children, step parents, step siblings, and adopted children, regardless of location or occupation) of someone who is eligible for membership.
Cost to join
- A $25.00 deposit to establish a Share account is required for membership.
Branches
1 branch in Texas
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Texas
1 branch
- Wharton County Teachers Credit UnionMain office2114 Junior College Blvd, Wharton, TX 77488Directions
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 | 28.35% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.18% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio28.35%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.18%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ 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 Wharton County Teachers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.