Naft Federal Credit Union

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A short history of Naft FCU

Since its inception in 1956 the Naft Federal Credit Union has been serving its members in the Pharr, 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 George Bailey, the Naft FCU has grown its membership to over 10,754 with assets of more than $80,681,174. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (956) 787-2774 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Pharr, TX.

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

Charter Number 10994
Address PO Box 771 
City Pharr 
State Texas 
Zip-Code 78577
Phone Number (956) 787-2774
Fax Number (956) 783-4998
Email Address:
CEO/President George Bailey
Members 10,754 
Full-Time Employees 31 
Part-Time Employees
Number of Branch Offices
Total Assets 80,681,174 

Compare Naft Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Highway District 21 CU Highway District 21 Federal Credit Union 600 W Ferguson St 78502 (956) 787-2701 No 4.37
South Texas CU Main Office 2121 W Dove Ave 78502 (956) 618-7500 No 6.92
Security First CU 802 Branch 465 E Ruben Torres Blvd 78502 (956) 661-4000 No 8.17
Edinburg Teachers CU Edinburg Teachers Credit Union 900 W University Dr 78539 (956) 259-3511 No 10.65
La Joya Area CU Annex 317 S Bentsen Palm DR 78560 (956) 585-6207 No 17.90

Naft Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Naft Federal 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 11.18 2.56 2.92 N/A 8.40
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 356 90 86 N/A 489
Rank Among All Texas Credit Unions 75 28 36 N/A 131

Naft Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.11 0.40 0.74 0.84
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 126 76 219 180
Rank Among All Texas Credit Unions 35 46 15 72 41
Naft Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.1801,0444,077,625
All Other Unsecured Loans/Lines of Credit 11.4204,0816,961,574
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.56073216,811,896
Used Vehicle Loans 2.9205889,702,569
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 8.400421,160,369
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.9203512,887,796
TOTAL LOANS & LEASES 6,83841,601,829

Naft Federal 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 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 421,160,369125,200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 421,160,369125,200


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

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