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Cosden Federal Credit Union

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Cosden Federal Credit Union Rates & Review May 2026

Q: Is a member application needed to join Cosden Federal Credit Union?

Yes, to access services at Cosden 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cosden Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

Cosden Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Cosden Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates were last updated on 05/15/2026.

Cosden 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 Cosden Federal Credit Union? Share your experience about Cosden Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cosden Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.02%

Excellent Lower than avg

Cosden Federal Credit Union
COSDEN FCU

400 E MARCY DR
BIG SPRING, TX 79720 5714

https://www.cosden.org

Cosden Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cosden 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 Cosden 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 Cosden Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cosden Federal Credit Union

Website https://www.cosden.org

Address 400 E MARCY DR, BIG SPRING, TX 79720 5714

Phone 432-264-2600

Fax 432-264-2631

President HARDY WILKERSON

CEO LAURIE LIGHT

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.02%

Return on Assets (ROA)

1.3152%

Return on Equity (ROE)

10.5657%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

59,641,240

Total Amount of Shares and Deposits

51,641,983

Total Shares and Deposits < 1 Year

49,594,335

Total Shares and Deposits 1 3 Years

1,760,326

Total Shares and Deposits > 3 Years

287,323

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,242,420

Total Uninsured Shares and Deposits > $250K (F+J)

2,242,420

Total Insured Shares and Deposits > $250K (item 17 less item K)

49,399,563

Total Interest Expense (Sum of items 6 8)

288,275

Share Certificates

Number of Accounts for Share Drafts

3,055

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,770

All other shares

160

Money Market Shares

230

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,766,363

Total Liabilities

52,217,373

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Cosden Federal Credit Union earned the Verified Strong badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Cosden Federal Credit Union

How many branches does Cosden Federal Credit Union operate?

Cosden 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 Cosden Federal Credit Union?

Yes, to access services at Cosden 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, Cosden 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, Cosden Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cosden Federal Credit Union offer online and mobile banking?

Most modern institutions like Cosden 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.cosden.org.