South Texas Federal Credit Union

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A short history of South Texas FCU

Since its inception in 1952 the South Texas Federal Credit Union has been serving its members in the McALLEN, 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 Federico Castillo, the South Texas FCU has grown its membership to over 7,172 with assets of more than $44,122,660. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (956) 618-7500 or email them at membership@stefcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in McALLEN, TX.

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

Charter Number 8237
Address PO BOX 3309 
City McALLEN 
State Texas 
Zip-Code 78502
Phone Number (956) 618-7500
Fax Number (956) 686-4823
Email Address: membership@stefcu.org
CEO/President Federico Castillo
Members 7,172 
Full-Time Employees
Part-Time Employees 19 
Number of Branch Offices
Total Assets 44,122,660 
Website http://www.southtexasfcu.com 

Compare South Texas Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
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 2.39
Naft CU NAFT Federal Credit Union Memorial HS 800 S Alamo Rd 78577 (956) 783-3391 No 3.07
Security First CU 802 Branch 465 E Ruben Torres Blvd 78502 (956) 661-4000 No 4.90
Edinburg Teachers CU Edinburg Teachers Credit Union 900 W University Dr 78539 (956) 259-3511 No 7.51
La Joya Area CU Annex 317 S Bentsen Palm DR 78560 (956) 585-6207 No 16.00

South Texas Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


South Texas 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 9.59 2.90 2.90 3.55 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 209 133 84 77 N/A
Rank Among All Texas Credit Unions 47 46 35 16 N/A

South Texas Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.01 0.01 0.01 0.01
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 156 150 345 297
Rank Among All Texas Credit Unions 40 56 42 118 80
South Texas Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.5901,3801,767,257
All Other Unsecured Loans/Lines of Credit 9.0001,8944,864,494
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.9003489,147,946
Used Vehicle Loans 2.90064211,742,072
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.550181,263,593
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 13.000130877,404
TOTAL LOANS & LEASES 4,41229,662,766

South Texas Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

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 4346,91600
    b. 15 Years or less 14916,67700
Balloon/Hybrid
    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

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 181,263,59300

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

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

South Texas 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 Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes