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RAIZ Rates & Review April 2026

Q: Is RAIZ a safe place to deposit money?

Yes, RAIZ is considered a safe financial institution. With a Texas Ratio of 5.0736304345508%, 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.

Q: How many branches does RAIZ operate?

RAIZ currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join RAIZ?

Yes, to access services at RAIZ, 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: Is there a first-time homebuyer program?

Currently, RAIZ 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, RAIZ 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: April 6, 2026

You can compare RAIZ rates to other rates in our database, including 12-month share certificate rates currently at 0.75%, 6-month share certificate rates at 3.02% and 3-month share certificate rates at 4.00%. Savings rates are at 0.50% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 5.49%. All these rates can be compared to RAIZ rates. MonitorBankRates evaluates the financial stability of RAIZ with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.07%. Rates were last updated on 04/06/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.07%

Excellent Lower than avg

Kensington Bank
Rojas

12020 Rojas Dr
El Paso, TX 79936

http://.

Current Rate Availability

We do not have RAIZ 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 RAIZ 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 RAIZ 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 RAIZ's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RAIZ

Website http://.

Address 12020 Rojas Dr, El Paso, TX 79936

Phone 915-843-8328

Fax 915-859-3564

President Lillian Crouch

CEO Max Villaronga

Full-Time Employees 240

Part-Time Employees 1

Branch Locations 11

ATM Locations 9

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.07%

Return on Assets (ROA)

-0.4940%

Return on Equity (ROE)

-4.5804%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

1,017,491,638

Total Amount of Shares and Deposits

871,168,438

Total Shares and Deposits < 1 Year

837,464,439

Total Shares and Deposits 1 3 Years

33,704,000

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

70,689,093

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

70,689,093

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

800,479,345

Total Interest Expense (Sum of items 6 8)

14,187,935

Share Certificates

9,736

Number of Accounts for Share Drafts

436

IRA KEOGH Accounts

2,264

Number of Accounts for Regular Shares

88,150

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

-5,026,477

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

59,214,719

Total Liabilities

918,372,372

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About RAIZ

Is RAIZ a safe place to deposit money?

Yes, RAIZ is considered a safe financial institution. With a Texas Ratio of 5.0736304345508%, 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 RAIZ operate?

RAIZ 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 RAIZ?

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

Does RAIZ offer online and mobile banking?

Most modern institutions like RAIZ 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: http://..