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Telco Plus Credit Union Rates & Review March 2026

Telco Plus Credit Union's 24 month CDs rates are at 3.75%, 60 month CDs rates are at 3.75%, 18 month CDs rates are at 3.50%, 36 month CDs rates are at 3.50%, 48 month CDs rates are at 3.50%. Telco Plus Credit Union's savings rates are at 0.03%. Telco Plus Credit Union's Personal Loan Rates are at 5.59%. MonitorBankRates evaluates the financial stability of Telco Plus Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.67%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade ?
A-
Very Good Health Score: 92/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
15.67%
Good Higher than avg
Telco Plus Credit Union
MAIN
423 GILMER RD
LONGVIEW, TX 75604
https://www.telcoplus.org
Member NCUA

Telco Plus Credit Union CD Rates

Product Rate APY Term View More
24 month Share Certificates 3.69% 3.75% 24 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
60 month Share Certificates 3.69% 3.75% 60 Months
Min Deposit $1,000
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
18 month Share Certificates 3.45% 3.50% 18 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
36 month Share Certificates 3.45% 3.50% 36 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
48 month Share Certificates 3.45% 3.50% 48 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
12 month Share Certificates 3.35% 3.40% 12 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
6 month Share Certificates 3.20% 3.25% 6 Months
Min Deposit $500
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Savings Rates

Product Rate APY View More
IRA Savings 1.00% 1.00%
Min Deposit $0
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Christmas Club 0.25% 0.25%
Min Deposit $10
Min Balance $100
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Vacation Club 0.25% 0.25%
Min Deposit $10
Min Balance $100
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Regular Share/Savings 0.03% 0.03%
Min Deposit $5
Min Balance $100
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Checking Rates

Product Rate APY View More
Rewards Plus Checking - 0.25%
Min Deposit $0
Details Qualifications Required; Qualifying balance up to $5,000.00
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Plus Checking 0.01% 0.01%
Min Deposit $0
Min Balance $2,000
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage 15 Year Fixed - - 5.25% 15
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Mortgage 20 Year Fixed - - 6.09% 20
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Mortgage 30 Year Fixed - - 6.35% 30
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Land Loan 10 Year Fixed - - 6.88% 10
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Land Loan 15 Year Fixed - - 7.38% 15
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity 15 Years Fixed - - 5.50% 15
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Home Equity 10 Years Fixed - - 6.34% 10
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Home Equity 5 Years Fixed - - 6.34% 5
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Credit Card Rates

Product Rate APR View More
VISA® (currently) - 14.49%
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Telco Plus Credit Union Personal Loan Rates

Product Rate APR View More
Jet Skis, Personal Watercrafts, and ATV (2022 and newer) - 5.59%
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%
Personal Loans - 8.24%
Details As Low As
Last Updated 03/28/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 15.67%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Telco Plus 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 Telco Plus 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 Telco Plus Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Telco Plus Credit Union
Address 423 GILMER RD, LONGVIEW, TX 75604
Phone 903-753-5588
Fax 903-758-3903
President KERWIN COLEMAN
CEO Cassandra Carmon
Full-Time Employees 48
Part-Time Employees 4
Branch Locations 5
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.67%
Return on Assets (ROA)
-1.0490%
Return on Equity (ROE)
-11.0866%
Non-Performing Loans Ratio (NPL)
1.82%
Total Assets
139,620,708
Total Amount of Shares and Deposits
117,532,187
Total Shares and Deposits < 1 Year
96,655,570
Total Shares and Deposits 1 3 Years
18,012,029
Total Shares and Deposits > 3 Years
2,864,588
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,015,545
Total Uninsured Shares and Deposits > $250K (F+J)
3,015,545
Total Insured Shares and Deposits > $250K (item 17 less item K)
114,516,642
Total Interest Expense (Sum of items 6 8)
2,408,251
Share Certificates
1,359
Number of Accounts for Share Drafts
4,644
IRA KEOGH Accounts
179
Number of Accounts for Regular Shares
10,366
All other shares
124
Non Member Deposits
49
Money Market Shares
205
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,320,407
Total Liabilities
127,047,399
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Telco Plus Credit Union

Is Telco Plus Credit Union a safe place to deposit money?

Yes, Telco Plus Credit Union is considered a safe financial institution. With a Texas Ratio of 15.671481245699%, 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 Telco Plus Credit Union operate?

Telco Plus 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 Telco Plus Credit Union?

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

Does Telco Plus Credit Union offer online and mobile banking?

Most modern institutions like Telco Plus 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.telcoplus.org.

Current Telco Plus Credit Union Rates

  • 12-Month CD3.40%
  • 18-Month CD3.50%
  • 24-Month CD3.75%
  • 60-Month CD3.75%
  • Savings0.03%
Retrieved from our database of financial products. Rates subject to change.