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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Border Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 25, 2026
Border Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Border Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.63%. Rates were last updated on 04/25/2026. Border Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Border Federal Credit Union? Share your experience about Border Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Border Federal Credit Union. 
Border Federal Credit Union Home Equity & HELOC
Border Federal Credit Union Credit Card Rates
Border Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Border Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Border Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Border Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Border Federal Credit Union
Website
https://www.borderfcu.com
Address
2211 N BEDELL AVE,
Del Rio, TX 78840
Phone
830-774-2328
Fax
830-775-1212
President
Maria Gutierrez
CEO
Maria Martinez
Full-Time Employees
104
Part-Time Employees
17
Branch Locations
5
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.63%
Return on Assets (ROA)
1.2090%
Return on Equity (ROE)
6.8491%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
254,853,028
Total Amount of Shares and Deposits
194,557,077
Total Shares and Deposits < 1 Year
192,043,702
Total Shares and Deposits 1 3 Years
2,294,453
Total Shares and Deposits > 3 Years
218,922
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,354,950
Total Uninsured Shares and Deposits > $250K (F+J)
8,354,950
Total Insured Shares and Deposits > $250K (item 17 less item K)
186,202,127
Total Interest Expense (Sum of items 6 8)
741,613
Share Certificates
595
Number of Accounts for Share Drafts
22,877
IRA KEOGH Accounts
210
Number of Accounts for Regular Shares
34,475
All other shares
476
Money Market Shares
81
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,728,292
Total Liabilities
209,926,514
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Border Federal Credit UnionIs Border Federal Credit Union a safe place to deposit money?Yes, Border Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.632051606538%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Border Federal Credit Union operate?Border Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Border Federal Credit Union?Yes, to access services at Border Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Border Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Border Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Border Federal Credit Union offer online and mobile banking?Most modern institutions like Border Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.borderfcu.com. Compare to Other Credit Unions
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