Ctecu Credit Union

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A short history of Ctecu CU

Since its inception in 1952 the Ctecu Credit Union has been serving its members in the Bellaire, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jackie Kapalski, the Ctecu CU has grown its membership to over 1,779 with assets of more than $35,468,277. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (713) 532-7570 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Bellaire, TX.

General Information For Ctecu CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 97099
Address PO Box 430 
City Bellaire 
State Texas 
Zip-Code 77402
Phone Number (713) 532-7570
Fax Number (713) 532-7578
Email Address: ----
CEO/President Jackie Kapalski
Members 1,779 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 35,468,277 
Website http://www.ctecu.org 

Compare Ctecu Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Smart Financial CU Conroe 3201 W Davis St 77292 (713) 850-1600 No 1.66
Promise CU Promise Credit Union 6500 Rookin St 77274 (832) 239-8599 No 2.32
Southern CU Southern FCU 4 Greenway Plz Ste C-816 77252 (713) 232-7774 No 2.43
Jafari No-interest CU Houston 2323 S Voss Rd Ste 390 77057 (866) 341-1214 No 3.51
Bayou City CU MAIN OFFICE 6414 FANNIN ST STE G50 77030 (713) 704-4943 No 3.71

Ctecu Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Ctecu Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.00 3.20 2.70 1.99 1.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 341 168 66 2 4
Rank Among All Texas Credit Unions 72 61 27 1 1

Ctecu Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.15 0.25 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 124 310 276
Rank Among All Texas Credit Unions 31 47 29 108 73
Ctecu Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.000171300,323
All Other Unsecured Loans/Lines of Credit 6.25031354,334
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2001,3592,305,476
Used Vehicle Loans 2.7001,8192,270,501
Total 1st Mortgage Real Estate Loans/Lines of Credit 1.990253,158,496
Total Other Real Estate Loans/Lines of Credit 1.9906149,838
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.100982,340
TOTAL LOANS & LEASES 3,4208,621,308

Ctecu Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 111,969,17400
    b. 15 Years or less 12738,00800
    a. > 15 years 0000
    b. 15 Years or less 2451,31400
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 6149,838125,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 313,308,334125,000


Interest Only & Payment Option 1st Mortgage Loans 163,1140
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Ctecu Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes