MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. Cowboy Country Federal Credit Union
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.

Cowboy Country Federal Credit Union Rates & Review July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: July 15, 2026

You can compare Cowboy Country Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 0.50%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to Cowboy Country Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Cowboy Country Federal Credit Union with a 4.7 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.16%. Rates were last updated on 07/15/2026.

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

Overall Health & Safety Grade ?
B
Solid Health Score: 87/100
MonitorBankRates Rating ?
4.7
Excellent Out of 5.0 Stars
Texas Ratio ?
19.16%
Good Higher than avg
Cowboy Country Federal Credit Union
MAIN OFFICE
501 SOUTH BROADWAY
PREMONT, TX 78375
https://cowboycountry.virtualcu.net/
Member NCUA

Current Rate Availability

We do not have Cowboy Country Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Cowboy Country 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 Cowboy Country 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 Cowboy Country Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cowboy Country Federal Credit Union
Website https://cowboycountry.virtualcu.net/
Address 501 SOUTH BROADWAY, PREMONT, TX 78375
Phone 361-348-3578
Fax 361-348-3662
President PETE BARRERA
CEO Rena Smith
Full-Time Employees 8
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B (87/100)
Texas Ratio
19.16%
Return on Assets (ROA)
-0.8277%
Return on Equity (ROE)
-5.5057%
Non-Performing Loans Ratio (NPL)
4.58%
Total Assets
18,435,168
Total Amount of Shares and Deposits
15,600,805
Total Shares and Deposits < 1 Year
15,600,805
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,131,820
Total Uninsured Shares and Deposits > $250K (F+J)
1,131,820
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,468,985
Total Interest Expense (Sum of items 6 8)
246,850
Share Certificates
106
Number of Accounts for Share Drafts
761
Number of Accounts for Regular Shares
2,329
Non Member Deposits
2
Net Income (unless the amount is already included in Undivided Earnings)
42,955
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,430,216
Total Liabilities
15,683,598
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Cowboy Country Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Cowboy Country Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Cowboy Country Federal Credit Union

How many branches does Cowboy Country Federal Credit Union operate?

Cowboy Country 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 Cowboy Country Federal Credit Union?

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

Does Cowboy Country Federal Credit Union offer online and mobile banking?

Most modern institutions like Cowboy Country 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://cowboycountry.virtualcu.net/.

Compare to Other Credit Unions

St Thomas Federal Credit Union Public Service Plaza Federal Credit Union Harvest Federal Credit Union Auburn University Credit Union Success Federal Credit Union Team First Federal Credit Union NW Preferred Federal Credit Union Family Security Credit Union Haynes Community Federal Credit Union BCM Federal Credit Union CAMC United Nations Federal Credit Union Advantage One Credit Union Orion Federal Credit Union Access Of Louisiana Federal Credit Union Stoppenbach Credit Union Faith Cooperative Federal Credit Union South Coast ILWU Federal Credit Union Dubuque Postal Employees Credit Union Peoples Federal Credit Union Saint Vincent Erie Federal Credit Union