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iAdvertiser Disclosure
Advertiser Disclosure
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 East Texas Professional Credit Union Rates & Review November 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.
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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 and Verified: October 30, 2026
East Texas Professional Credit Union's 60 Month Term CD rates are at 3.90%, 36 Month Term CD rates are at 3.85%, 48 Month Term CD rates are at 3.85%, 12 Month Term CD rates are at 3.80%, 18 Month Term CD rates are at 3.80%. East Texas Professional Credit Union's savings rates are at 0.30%. East Texas Professional Credit Union's money market rates are at 2.75%. East Texas Professional Credit Union's checking rates are as high as 0.03%. East Texas Professional Credit Union's In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year rates are at 5.25%, In-House Adjustable Rate Mortgage (ARM) - 10/1 ARM 30-Year rates are at 6.00%, In-House Land - 10 Year Fixed Rate rates are at 6.88%. East Texas Professional Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.99%. East Texas Professional Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of East Texas Professional Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.40%. Rates last updated and verified on 10/30/2026. East Texas Professional 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 East Texas Professional Credit Union? Share your experience about East Texas Professional Credit Union by leaving a review below, or read customer reviews before you decide to use East Texas Professional Credit Union. East Texas Professional Credit Union
Administration Building 5000 George Richey Rd
https://www.etpcu.org Longview, TX 75604-9291  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. East Texas Professional Credit Union CD Rates
East Texas Professional Credit Union Savings Rates
East Texas Professional Credit Union Money Market Rates
East Texas Professional Credit Union Checking Rates
East Texas Professional Credit Union Mortgage Rates
East Texas Professional Credit Union Home Equity & HELOC
East Texas Professional Credit Union Auto Loan Rates
East Texas Professional Credit Union RV, Boat and Powersport Loan Rates
East Texas Professional Credit Union Personal Loan Rates
East Texas Professional Credit Union Other Rates
Financial Health HistoryEast Texas Professional Credit Union’s Texas Ratio rose from 0.81% in Q3 2023 to 1.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for East Texas Professional 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 East Texas Professional 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 East Texas Professional Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
East Texas Professional Credit Union
Website
https://www.etpcu.org
Address
5000 George Richey Rd,
Longview, TX 75604-9291
Phone
903-323-0230
Fax
President
Wilma Jamerson
CEO
William Norton
Full-Time Employees
232
Part-Time Employees
74
Branch Locations
21
ATM Locations
21
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
1.40%
Return on Assets (ROA)
0.8906%
Return on Equity (ROE)
4.5929%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
1,446,433,282
Total Amount of Shares and Deposits
1,150,541,842
Total Shares and Deposits < 1 Year
1,088,999,632
Total Shares and Deposits 1 3 Years
45,912,075
Total Shares and Deposits > 3 Years
15,630,135
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
24,295,794
Total Uninsured Shares and Deposits > $250K (F+J)
24,295,794
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,126,246,048
Total Interest Expense (Sum of items 6 8)
10,090,755
Share Certificates
8,203
Number of Accounts for Share Drafts
60,041
IRA KEOGH Accounts
2,035
Number of Accounts for Regular Shares
106,192
All other shares
49
Money Market Shares
2,301
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
150,863,993
Total Liabilities
1,171,565,974
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About East Texas Professional Credit UnionDoes East Texas Professional Credit Union offer CDs?Yes. East Texas Professional Credit Union current CD rates include its 60 Month Term CD at 3.90% APY, its 36 Month Term CD at 3.85% APY and its 48 Month Term CD at 3.85% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from East Texas Professional Credit Union NCUA insured?Yes. East Texas Professional Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at East Texas Professional Credit Union?The highest East Texas Professional Credit Union CD rate is its 23 Month Term CD (Special Rate) at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does East Texas Professional Credit Union offer?East Texas Professional Credit Union CD rates are 3.80% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.85% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with East Texas Professional Credit Union for its full lineup. What is the highest savings rate at East Texas Professional Credit Union?The highest East Texas Professional Credit Union savings rate is its Share / Secondary Savings Accounts at 0.30% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at East Texas Professional Credit Union?The highest East Texas Professional Credit Union money market rate is its Money Market Plus Accounts at 2.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at East Texas Professional Credit Union?The highest East Texas Professional Credit Union checking rate is its Money Market Checking Accounts at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at East Texas Professional Credit Union?The lowest East Texas Professional Credit Union mortgage rate is its In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year at 5.25% APR, verified by MonitorBankRates as of October 30, 2026. East Texas Professional Credit Union mortgage rates are 6.875% APR for a 10 year mortgage, 5.25% APR for a 5/1 ARM and 6.00% APR for a 10/1 ARM. What is the lowest auto loan rate at East Texas Professional Credit Union?The lowest East Texas Professional Credit Union auto loan rate is its Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at East Texas Professional Credit Union?The lowest East Texas Professional Credit Union personal loan rate is its Motorcycles, ATVs, Personal Watercraft 2026 - 2020 Models Loan at 6.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does East Texas Professional Credit Union operate?East Texas Professional 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 East Texas Professional Credit Union?Yes, to access services at East Texas Professional 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, East Texas Professional 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, East Texas Professional Credit Union provides members with tools to manage their accounts and build a solid financial history. Does East Texas Professional Credit Union offer online and mobile banking?Most modern institutions like East Texas Professional 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.etpcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do East Texas Professional Credit Union rates compare?East Texas Professional Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. East Texas Professional Credit Union's top rates are its 23 Month Term CD (Special Rate) at 4.25% APY, its Share / Secondary Savings Accounts at 0.30% APY, its Money Market Plus Accounts at 2.75% APY, its Advantage Checking at 0.03% APY, its In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year at 5.25% and its Motorcycles, ATVs, Personal Watercraft 2026 - 2020 Models Loan at 6.99% APR, verified by MonitorBankRates on October 30, 2026. Current East Texas Professional Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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