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Tucoemas Credit Union Rates & Review November 2026
Content reviewed by
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.
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
Tucoemas Credit Union's CD - 12 Month rates are at 1.25%, CD - 6 Month rates are at 1.00%. Tucoemas Credit Union's savings rates are at 0.20%. Tucoemas Credit Union's checking rates are as high as 1.00%. Tucoemas Credit Union's Personal Loan Rates are as low as 7.50%. Tucoemas Credit Union's CD rates are 61% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Tucoemas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.71%. Rates last updated and verified on 10/30/2026.
Tucoemas 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 Tucoemas Credit Union? Share your experience about Tucoemas Credit Union by leaving a review below, or read customer reviews before you decide to use Tucoemas Credit Union.
Tucoemas Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Tucoemas Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.71%
ExcellentLower than avg
Tucoemas Credit Union Texas Ratio
Tucoemas Credit Union's Texas Ratio is 4.71%, which is considered excellent and is lower than the national average of 6.13%.
Tucoemas Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.87% to 4.71% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Tucoemas Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 12 Month
1.25%
1.25%
12 Month
Min Deposit$10,000
Min Balance$10,000
DetailsShare Certificate ($10,000 minimum); Dividends compounded and credited monthly; Renewals are automatic; Additional deposits not allowed
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Share Certificate - 6 Month
1.00%
1.00%
6 Month
Min Deposit$10,000
Min Balance$10,000
DetailsShare Certificate ($10,000 minimum); Dividends compounded and credited monthly; Renewals are automatic; Additional deposits not allowed
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Club Savings
0.20%
0.20%
Min Deposit$5
Min Balance$250
DetailsDividends are compounded and credited monthly.
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Regular Share Savings
0.20%
0.20%
Min Deposit$5
Min Balance$250
DetailsMinimum balance to avoid a service fee is $250. Dividends are compounded and credited monthly.
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Special Share Savings
0.20%
0.20%
Min Deposit$5
Min Balance$250
DetailsDividends compounded and credited monthly; Minimum balance to avoid a service fee is $250
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Vacation Club Savings
0.20%
0.20%
Min Deposit$5
Min Balance$250
DetailsDividends compounded and credited monthly
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union Checking Rates
Product
Rate
APY
View More
KASASA Cash Checking
-
1.00%
DetailsQualifications Required; Balance: $0.00 - $5,000.00; ATM fees refunded up to $20 per month
Last Updated10/30/2026
Rate History
1 change since Sep 30, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05%
Oct 14, 20261.00%▲ from 0.05%
Sep 30, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans (Model Year 2024 & Newer)
-
-
4.25%
0-36 Months
DetailsAs Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)
-
-
4.25%
37-48 Months
DetailsAs Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)
-
-
4.49%
0-36 Months
DetailsAs Low As; Model Year 2023 - 2011; maximum 1.00% discount available (see footnote)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)
-
-
4.49%
37-48 Months
DetailsAs Low As; Model Year 2023 - 2011; maximum 1.00% discount available (see footnote)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)
-
-
4.50%
49-60 Months
DetailsAs Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)
-
-
4.74%
49-60 Months
DetailsAs Low As; Model Year 2023 - 2011; maximum 1.00% discount available (see footnote)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)
-
-
4.75%
61-72 Months
DetailsAs Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)
-
-
4.99%
61-72 Months
DetailsAs Low As; Model Year 2023 - 2011; maximum 1.00% discount available (see footnote)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2024 & Newer)
-
-
5.25%
73-84 Months
DetailsAs Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Auto Loans (Model Year 2023 - 2011)
-
-
5.49%
73-84 Months
DetailsAs Low As; Model Year 2023 - 2011; maximum 1.00% discount available (see footnote)
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
6.00%
0-36 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 6.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
6.00%
37-48 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 6.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
6.25%
49-60 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 6.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
6.50%
61-72 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
7.00%
73-84 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Green Auto Loan
-
-
8.75%
85-96 Months
DetailsAs Low As; Model Year 2018 & Newer; Electric/hybrid vehicles eligible for 1.00% APR reduction (included in as low as rate)
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 8.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Recreational Vehicle Loan
-
6.50%
12-48 Months
DetailsAs Low As; Model 2024 & newer; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $23.71
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Recreational Vehicle Loan
-
6.75%
49-60 Months
DetailsAs Low As; Model 2024 & newer; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $19.68
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 48 Months Loan
-
6.75%
48 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Boats Loan
-
7.00%
48 Months
DetailsAs Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Recreational Vehicle Loan
-
7.00%
61-72 Months
DetailsAs Low As; Model 2024 & newer; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $17.05
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 60 Months Loan
-
7.00%
60 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Boats Loan
-
7.25%
60 Months
DetailsAs Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Boats Loan
-
7.25%
48 Months
DetailsAs Low As; Model Year: 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 72 Months Loan
-
7.25%
72 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Boats Loan
-
7.50%
72 Months
DetailsAs Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100%; 72-month term (estimated) available when financing over $15,000
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Boats Loan
-
7.50%
60 Months
DetailsAs Low As; Model Year: 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Boats Loan
-
7.75%
84 Months
DetailsAs Low As; Model Year 2024 & newer; Max Loan-to-Value Financed: Up to 100%; 84-month term (estimated) available when financing over $20,000
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Recreational Vehicle Loan
-
7.75%
73-84 Months
DetailsAs Low As; Model 2024 & newer; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $15.22
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Boats Loan
-
7.75%
72 Months
DetailsAs Low As; Model Year: 2011-2023; Max Loan-to-Value Financed: Up to 100%; 72-month term estimated when financing over $15,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 84 Months Loan
-
8.00%
84 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Recreational Vehicle Loan
-
8.25%
85-120 Months
DetailsAs Low As; Model 2024 & newer; RVs only: 120-month term (estimated) available when financing is over $30,000; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $12.27
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Boats Loan
-
8.75%
84 Months
DetailsAs Low As; Model Year: 2011-2023; Max Loan-to-Value Financed: Up to 100%; 84-month term estimated when financing over $20,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 120 Months Loan
-
8.75%
120 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
New Recreational Vehicle Loan
-
9.25%
121-180 Months
DetailsAs Low As; Model 2024 & newer; RVs only: 180-month term (estimated) available when financing is over $40,000; Max Loan-to-Value Financed: Up to 100%; Estimated Monthly Payment per $1,000: $10.29
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 9.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Used Recreational Vehicles - 180 Months Loan
-
10.25%
180 Months
DetailsAs Low As; Model Year 2011-2023; Max Loan-to-Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 10.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union Personal Loan Rates
Product
APR
Term
View More
Home Energy Loan (Unsecured)
7.50%
Up to 36 months
DetailsAs Low As; Late charge: 5% of monthly minimum payment, min $15, max $100
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 7.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 12 Months
7.99%
12 Months
DetailsAs Low As; Amount financed up to $20,000; Estimated monthly payment per $1,000: $86.98
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)
8.00%
48 months
DetailsAs Low As; Late charge: 5% of monthly minimum payment, min $15, max $100
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 8.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)
8.50%
60 months
DetailsAs Low As; Late charge: 5% of monthly minimum payment, min $15, max $100
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 24 Months
8.99%
24 Months
DetailsAs Low As; Amount financed up to $20,000; Estimated monthly payment per $1,000: $45.68
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Home Energy Loan (Unsecured)
9.00%
84 months
DetailsAs Low As; Late charge: 5% of monthly minimum payment, min $15, max $100
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 9.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature Home Improvement Loan
9.74%
60 Months
DetailsAs Low As; Estimated Monthly Payment per $1,000: $21.12; Loan amount $10,000 minimum to $40,000 maximum
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 9.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 36 Months
9.99%
36 Months
DetailsAs Low As; Amount financed up to $20,000; Estimated monthly payment per $1,000: $32.26
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature Home Improvement Loan
10.74%
72 Months
DetailsAs Low As; Estimated Monthly Payment per $1,000: $18.90; Loan amount $10,000 minimum to $40,000 maximum
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 10.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature Home Improvement Loan
11.24%
84 Months
DetailsAs Low As; Estimated Monthly Payment per $1,000: $17.25; Loan amount $10,000 minimum to $40,000 maximum
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 11.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 48 Months
11.49%
48 Months
DetailsAs Low As; Amount financed up to $20,000; Estimated monthly payment per $1,000: $26.08
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 11.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature (Personal) Loan - 60 Months
12.49%
60 Months
DetailsAs Low As; Amount financed up to $20,000; Estimated monthly payment per $1,000: $22.49
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 12.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature Home Improvement Loan
12.74%
96 Months
DetailsAs Low As; Estimated Monthly Payment per $1,000: $16.66; Loan amount $10,000 minimum to $40,000 maximum
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 12.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Signature Home Improvement Loan
13.74%
108 Months
DetailsAs Low As; Estimated Monthly Payment per $1,000: $16.18; Loan amount $10,000 minimum to $40,000 maximum
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 13.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Tucoemas Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
GreenUp Loan
-
-
7.50%
Up to 36 months
DetailsAs Low As; Max Loan to Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 7.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
GreenUp Loan
-
-
8.50%
Up to 48 months
DetailsAs Low As; Max Loan to Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 8.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
GreenUp Loan
-
-
9.50%
Up to 60 months
DetailsAs Low As; Max Loan to Value Financed: Up to 100%
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 9.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
IRA Daily
0.30%
-
0.30%
Min Deposit$5
Min Balance$100
DetailsBalance: $100 minimum to earn; Dividends compounded and credited monthly
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Money Action
0.30%
-
0.30%
Min Deposit$2,500
Min Balance$2,500
DetailsDividends are compounded and credited monthly
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Representative Payee
0.20%
-
0.20%
Min Deposit$5
Min Balance$250
Last Updated10/30/2026
Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.71%
Financial Health History
Tucoemas Credit Union’s Texas Ratio rose from 3.87% in Q3 2023 to 4.71% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$332M
4.71%
5.0
A+
March 31, 2026
$337M
2.63%
5.0
A+
December 31, 2025
$338M
4.88%
5.0
A+
September 30, 2025
$337M
3.88%
5.0
A+
June 30, 2025
$323M
4.46%
5.0
A+
March 31, 2025
$321M
2.06%
5.0
A+
December 31, 2024
$306M
3.76%
5.0
A+
September 30, 2024
$351M
4.08%
5.0
A+
June 30, 2024
$331M
8.39%
5.0
A
March 31, 2024
$329M
10.94%
5.0
A
December 31, 2023
$355M
6.06%
5.0
A
September 30, 2023
$323M
3.87%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Tucoemas 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 Tucoemas 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 Tucoemas Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,865,369
Total Uninsured Shares and Deposits > $250K (F+J)
12,865,369
Total Insured Shares and Deposits > $250K (item 17 less item K)
285,635,101
Total Interest Expense (Sum of items 6 8)
882,180
Share Certificates
1,041
Number of Accounts for Share Drafts
15,363
IRA KEOGH Accounts
473
Number of Accounts for Regular Shares
30,972
Money Market Shares
196
Net Income (unless the amount is already included in Undivided Earnings)
3,245,915
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)
54,767,605
Total Liabilities
303,403,918
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Tucoemas Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Tucoemas Credit Union
Frequently Asked Questions About Tucoemas Credit Union
Does Tucoemas Credit Union offer CDs?
Yes. Tucoemas Credit Union current CD rates include its CD - 12 Month at 1.25% APY and its CD - 6 Month at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Tucoemas Credit Union NCUA insured?
Yes. Tucoemas 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 Tucoemas Credit Union?
The highest Tucoemas Credit Union CD rate is its CD - 12 Month at 1.25% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Tucoemas Credit Union offer?
Tucoemas Credit Union CD rates are 1.00% APY for a 6 month CD and 1.25% APY for a 12 month 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 Tucoemas Credit Union for its full lineup.
What is the highest savings rate at Tucoemas Credit Union?
The highest Tucoemas Credit Union savings rate is its Holiday Club Savings at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Tucoemas Credit Union?
The highest Tucoemas Credit Union checking rate is its KASASA Cash Checking at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Tucoemas Credit Union?
The lowest Tucoemas Credit Union auto loan rate is its Auto Loans (Model Year 2024 & Newer) at 4.25% APR, verified by MonitorBankRates as of October 30, 2026. Tucoemas Credit Union auto loan rates are 6.75% APR for a 48 month auto loan, 7.00% APR for a 60 month auto loan, 7.25% APR for a 72 month auto loan, 8.00% APR for an 84 month auto loan, 8.75% APR for a 120 month auto loan and 10.25% APR for a 180 month auto loan.
What is the lowest personal loan rate at Tucoemas Credit Union?
The lowest Tucoemas Credit Union personal loan rate is its Home Energy Loan (Unsecured) at 7.50% APR, verified by MonitorBankRates as of October 30, 2026. Tucoemas Credit Union personal loan rates are 7.99% APR for a 12 month personal loan, 8.99% APR for a 24 month personal loan, 9.99% APR for a 36 month personal loan, 11.49% APR for a 48 month personal loan and 12.49% APR for a 60 month personal loan.
How many branches does Tucoemas Credit Union operate?
Tucoemas 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 Tucoemas Credit Union?
Yes, to access services at Tucoemas 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, Tucoemas 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, Tucoemas Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Tucoemas Credit Union offer online and mobile banking?
Most modern institutions like Tucoemas 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: http://tucoemas.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 Tucoemas Credit Union rates compare?
Tucoemas Credit Union's CD rates are 61% lower than the MonitorBankRates national average, and it has an A+ health rating. Tucoemas Credit Union's top rates are its CD - 12 Month at 1.25% APY, its Holiday Club Savings at 0.20% APY, its KASASA Cash Checking at 1.00% APY and its Home Energy Loan (Unsecured) at 7.50% APR, verified by MonitorBankRates on October 30, 2026.
Current Tucoemas Credit Union Rates
12-Month CD1.25%
Savings0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
