Spco Credit Union

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A short history of Spco CU

Since its inception in 1968 the Spco Credit Union has been serving its members in the HOUSTON, 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 J Timothy Adams, the Spco CU has grown its membership to over 3,664 with assets of more than $39,574,887. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (713) 455-8586 or email them at cu@spcocu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in HOUSTON, TX.

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

Charter Number 61438
State Texas 
Zip-Code 77086
Phone Number (713) 455-8586
Fax Number (713) 455-8588
Email Address: cu@spcocu.org
CEO/President J Timothy Adams
Members 3,664 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 39,574,887 
Website http://www.spcocu.org 

Compare Spco Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Light Commerce CU LIGHT COMMERCE CREDIT UNION 11235 Crown Park Dr 77267 (281) 876-7576 No 3.27
First Service CU Tunnel Systems Branch 1001 Louisiana St Ste B-195 77094 (713) 676-4339 No 3.80
Team Financial CU Team Financial Federal Credit Union 10959 Ella Blvd Ste C 77067 (281) 876-2501 No 3.96
United Savers Trust CU United Savers Trust Credit Union 14159 NORTHWEST Fwy 77040 (713) 462-2553 No 4.67
Transtar CU Computer Marketing Corporation 8520 S Sandy Pkwy 84070 (801) 365-5000 No 5.34

Spco Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Spco 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 11.90 4.88 4.11 5.54 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 406 384 215 328 N/A
Rank Among All Texas Credit Unions 87 144 77 97 N/A

Spco Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.25 N/A 1.43 0.70
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 95 N/A 99 199
Rank Among All Texas Credit Unions 31 34 N/A 30 47
Spco Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.9005041,117,931
All Other Unsecured Loans/Lines of Credit 11.1208863,782,304
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.8801303,104,536
Used Vehicle Loans 4.1102623,435,283
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.5409115,676,824
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.12091745,108
TOTAL LOANS & LEASES 1,96427,861,986

Spco 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 7698,25600
    a. > 15 years 0000
    b. 15 Years or less 8414,978,56871,348,481
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 9115,676,82471,348,481


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

Spco 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 No
No Surcharge ATMs No
Home Banking Via Internet Website Yes