East Texas Professional Credit Union

Headquarters

Po Box 6750
Longview, TX 75608
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.20%	5.50% →
1-Year CD	0.80%	4.65% →
2-Year CD	0.90%	4.25% →
5-Year CD	1.31%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

East Texas Professional is an NCUA insured institution located in Longview, TX. It was founded in 1953 and has approximately $1269.54 millions in assets.

Who can join?

Membership in East Texas Professional Credit Union is available to all individuals who:

Live or work in Anderson, Angelina, Northern Cherokee, Gregg, Harrison, Henderson, Nacogdoches, Rusk, Smith and Upshur counties (Excluding those individuals who are members of an occupational credit union whose home office is located within these counties)

Are employed or certified to work in education, health care, professional fields, government/social services and students in Camp, Gregg, Harrison, Marion, Nacogdoches, Panola and Upshur counties

Are employed or certified to work in the education fields and students in the following cities: Daingerfield in Morris county; Hughes Springs and Avinger in Cass county (Student eligibility applies to students ages 17 or older)

Are receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within their field of membership

Are spouses of persons who died while within our field of membership

Are family members of an individual who is either a current member or is eligible for membership in East Texas Professional Credit Union (Family members include spouse, parents, grandparents, children, grandchildren, great grandchildren, brothers, sisters and in-laws)


NCUA Insured	Yes / State-Chartered
Charter Number #	# 67761
Date Established	1953
Assets	$1,269.54 million
Loans	$848.62 million
Deposits	$1,017.38 million
Capital	$232.71 million

Field of Membership Restrictions

East Texas Professional Credit Union is open to the residents and people that maintain employment in the eligible Texas Counties that are listed on the credit union website, the employees, students, and certified professional within the credit union defined occupations, studies and professions within the counties specified on the website, persons retired from the credit union qualified fields, widows/widowers of deceased credit union members, and the family members of current members or eligible persons.

Deposit Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.20%	$2,500	$4,999	Learn More Reviews
Money Market	0.30%	$2,500	$2,999	Learn More Reviews
Money Market	0.35%	$10,000	$14,999	Learn More Reviews
Money Market	0.40%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.80%	$1,000	-	Learn More Reviews
18 Mo CD	0.85%	$1,000	-	Learn More Reviews
24 Mo CD	0.90%	$1,000	-	Learn More Reviews
36 Mo CD	1.11%	$1,000	-	Learn More Reviews
48 Mo CD	1.21%	$1,000	-	Learn More Reviews
60 Mo CD	1.31%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.03%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for East Texas Professional

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750%	1.00	$4,432	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to East Texas Professional
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are East Texas Professional branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

East Texas Professional Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Hallsville Office	677.32	A	View Lobby Hours
Jefferson Office	780.78	B	View Lobby Hours
Hughes Springs Office	781.91	C	View Lobby Hours
Daingerfield Office	784.94	D	View Lobby Hours
Lone Star Office	789.47	E	View Lobby Hours
Mt Pleasant Office	790.23	F	View Lobby Hours
Diana Office	799.86	G	View Lobby Hours
Gilmer Office	806.08	H	View Lobby Hours
Longview Main	806.13	I	View Lobby Hours
Spring Hill Office	808.20	J	View Lobby Hours
Pine Tree Office	810.31	K	View Lobby Hours
Kilgore Office	818.50	L	View Lobby Hours
Henderson Office	825.54	M	View Lobby Hours
Tyler Office	840.66	N	View Lobby Hours
Nacogdoches Office	844.38	O	View Lobby Hours
Lufkin Office	863.24	P	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

EAST TEXAS PROFESSIONAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Add Your Review

or use your BestCashCow account

Financial Details

East Texas Professional Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of East Texas Professional. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

East Texas Professional	U.S. Average
3.91%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, East Texas Professional had $8,211,631 in non-current loans and $940,932 in owned assets. To cover these potential losses it had $232,709,469 in net worth and $1,667,894 in loans loss reserves. That gives it a Texas Ratio of 3.91%.

Net Worth

East Texas Professional	U.S. Average
18.29%	13.93%

East Texas Professional FCU has a net worth of 18.29% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for East Texas Professional

There are currently no comments for EAST TEXAS PROFESSIONAL. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

or use your BestCashCow account