Transtar Federal Credit Union

Headquarters

12930 Northwest Freeway
Houston, TX 77040
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
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

2025 Overview

General Credit Union Information

Transtar is an NCUA insured institution located in Houston, TX. It was founded in 1951 and has approximately $26.55 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 7482
Date Established	1951
Assets	$26.55 million
Loans	$21.82 million
Deposits	$24.21 million
Capital	$2.35 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in select areas of Houston, Texas. Membership is also open to employees of IKON Office Solutions, NPC Payment Systems, United Way of Greater Houston, Van Kampen Investments, Hellmuth, Obata & Kassabaum - HOK, High Rise Electrical, Target Hunger, Interfaith Ministries, Armstrong Repair Inc., The Williams Companies, Inc. and its subsidiaries., LeTourneau Technologies, Rives Carlberg, Rowan Companies, Peterson Beckner Industries, The Women's Home of Houston, The SLI Group, Sickle Cell Association, or Armstrong Repair Inc.

Deposit Rates - April 4, 2025

Your Current Location: Rhode Island, RI 10007

We do not yet have rates for Transtar

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Loan Rates - April 4, 2025

Your Current Location: Rhode Island, RI 10007

There are currently no loan rates available for Transtar

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

Featured - Rhode Island 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	6.391%	6.250%	0.88	$4,795	$1,971	Learn More
NMLS ID: 3030	7.463%	7.375%	0.88	$2,800	$2,211	Learn More
NMLS ID: Not a Lender						Learn More

See More Mortgage Rates →

Featured - Rhode Island Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Eastern Bank See Table	Intro APR 6.990 % After Intro: 6.990 %	$25,000	Learn More More Info
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.50% APR on 4/1/2025) minus 0.51% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. This offer is not available to customers having an existing FlexEquity account [as of April 1, 2025] that was opened after February 1, 2023. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. For a limited time, Eastern Bank will pay for appraisal fees when the appraisal is required by the Bank. To qualify for a free appraisal, you must submit your application between 4/1/2025 and 4/30/2025. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee (waived for Premier, Private Bank or Select Checking account customers). Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans. For a limited time, no appraisal fees, no closing costs! Easy access to funds through your phone or online.
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 15.00*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed

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Branches

Below are Transtar 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:
Cranston,Rhode Island

Transtar Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
IKON Branch	1511.66	A	View Lobby Hours
Williams Tower Branch	1512.73	B	View Lobby Hours
Main Office	1518.51	C	View Lobby Hours

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Climate Policy and Initiatives

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

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Financial Details

Transtar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Transtar. 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

Transtar	U.S. Average
22.40%	5.69

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 September 30, 2024, Transtar had $535,463 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,346,047 in net worth and $44,395 in loans loss reserves. That gives it a Texas Ratio of 22.40%.

Net Worth

Transtar	U.S. Average
8.81%	14.16%

Transtar FCU has a net worth of 8.81% versus the BestCashCow average of 14.16. 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 Transtar

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