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TUCOEMAS

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TUCOEMAS Rates & Review August 2026

Q: How many branches does TUCOEMAS operate?

TUCOEMAS 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 TUCOEMAS?

Yes, to access services at TUCOEMAS, 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, TUCOEMAS 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, TUCOEMAS 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 and Verified: August 30, 2026

TUCOEMAS rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not TUCOEMAS, and you can see how they compare in the TUCOEMAS rate tables below. MonitorBankRates evaluates the financial stability of TUCOEMAS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.88%. Database rates last updated and verified on 08/30/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.88%

Excellent Lower than avg

TUCOEMAS
Cypress

5222 W Cypress Ave
Visalia, CA 93277

http://tucoemas.org

Current Rate Availability

We're not currently displaying rates for TUCOEMAS, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TUCOEMAS 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TUCOEMAS

Website http://tucoemas.org

Address 5222 W Cypress Ave, Visalia, CA 93277

Phone 559-737-5900

Fax 559-737-5934

President Jason LeFaive

CEO Brice Yocum

Full-Time Employees 75

Part-Time Employees 3

Branch Locations 6

ATM Locations 6

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

3.88%

Return on Assets (ROA)

0.3233%

Return on Equity (ROE)

3.2373%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

337,464,534

Total Amount of Shares and Deposits

298,079,549

Total Shares and Deposits < 1 Year

294,541,944

Total Shares and Deposits 1 3 Years

3,537,605

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

13,303,763

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

13,303,763

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

284,775,786

Total Interest Expense (Sum of items 6 8)

1,174,279

Share Certificates

1,170

Number of Accounts for Share Drafts

15,033

IRA KEOGH Accounts

497

Number of Accounts for Regular Shares

30,453

Money Market Shares

212

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

1,090,993

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)

60,422,595

Total Liabilities

310,032,467

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

TUCOEMAS earned the Verified Strong badge

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Frequently Asked Questions About TUCOEMAS

How many branches does TUCOEMAS operate?

TUCOEMAS 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?

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

Does TUCOEMAS offer online and mobile banking?

Most modern institutions like TUCOEMAS 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.