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The Electric Utilities Credit Union

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The Electric Utilities Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Electric Utilities 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: April 25, 2026

You can compare The Electric Utilities Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 4.00%, 6-month share certificate rates at 3.95% and 3-month share certificate rates at 3.75%. Savings rates are at 0.01% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to The Electric Utilities Credit Union rates. MonitorBankRates evaluates the financial stability of The Electric Utilities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.73%. Rates were last updated on 04/25/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.73%

Excellent Lower than avg

The Electric Utilities Credit Union
The Electric Utilities Credit Union

2002 Birdwell Ln
Big Spring, TX 79720 6012

Current Rate Availability

We do not have The Electric Utilities 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 The Electric Utilities 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 The Electric Utilities 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 The Electric Utilities Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Electric Utilities Credit Union

Website

Address 2002 Birdwell Ln, Big Spring, TX 79720 6012

Phone 432-263-3442

Fax 432-263-0644

President Louis Salazar

CEO Carol Jeter

Full-Time Employees 1

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.73%

Return on Assets (ROA)

0.6109%

Return on Equity (ROE)

5.0558%

Non-Performing Loans Ratio (NPL)

2.46%

Total Assets

7,280,421

Total Amount of Shares and Deposits

6,386,105

Total Shares and Deposits < 1 Year

6,386,105

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

6,386,105

Total Interest Expense (Sum of items 6 8)

3,315

Share Certificates

Number of Accounts for Share Drafts

IRA KEOGH Accounts

Number of Accounts for Regular Shares

533

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,383,043

Total Liabilities

6,400,730

Source: NCUA — Last Updated 09/30/2023

Customer Reviews

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Frequently Asked Questions About The Electric Utilities Credit Union

Is The Electric Utilities Credit Union a safe place to deposit money?

Yes, The Electric Utilities Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7306824957745%, 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 The Electric Utilities Credit Union operate?

The Electric Utilities 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 The Electric Utilities Credit Union?

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

Does The Electric Utilities Credit Union offer online and mobile banking?

Most modern institutions like The Electric Utilities Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.