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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 West Texas Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 22, 2026
West Texas Credit Union's 12 Month CD rates are at 4.10%, 6 Month CD rates are at 4.00%, 24 Month CD rates are at 3.00%, 36 Month CD rates are at 2.58%. West Texas Credit Union's savings rates are at 0.10%. West Texas Credit Union's money market rates are at 0.90%. West Texas Credit Union's Personal Loan Rates are at 8.74%. MonitorBankRates evaluates the financial stability of West Texas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.61%. Rates were last updated on 03/22/2026. West Texas 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 West Texas Credit Union? Share your experience about West Texas Credit Union by leaving a review below, or read customer reviews before you decide to use West Texas Credit Union. West Texas Credit Union
Mission Headquarters 4301 Mission Blvd
https://www.westtexascu.com Odessa, TX 79765 
West Texas Credit Union CD Rates
West Texas Credit Union Savings Rates
West Texas Credit Union Money Market Rates
West Texas Credit Union Auto Loan Rates
West Texas Credit Union Credit Card Rates
West Texas Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for West Texas 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 West Texas 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 West Texas Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
West Texas Credit Union
Website
https://www.westtexascu.com
Address
4301 Mission Blvd,
Odessa, TX 79765
Phone
432-934-0433
Fax
432-934-0434
President
Robert Brown
CEO
Angeline Wilson
Full-Time Employees
21
Part-Time Employees
4
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.61%
Return on Assets (ROA)
0.1774%
Return on Equity (ROE)
1.8043%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
65,698,536
Total Amount of Shares and Deposits
58,479,263
Total Shares and Deposits < 1 Year
58,422,102
Total Shares and Deposits 1 3 Years
57,161
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,439,183
Total Uninsured Shares and Deposits > $250K (F+J)
3,439,183
Total Insured Shares and Deposits > $250K (item 17 less item K)
55,040,080
Total Interest Expense (Sum of items 6 8)
202,764
Share Certificates
83
Number of Accounts for Share Drafts
2,227
IRA KEOGH Accounts
71
Number of Accounts for Regular Shares
5,068
Money Market Shares
137
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,177,621
Total Liabilities
59,260,597
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About West Texas Credit UnionIs West Texas Credit Union a safe place to deposit money?Yes, West Texas Credit Union is considered a safe financial institution. With a Texas Ratio of 5.6146736437949%, 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 West Texas Credit Union operate?West Texas 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 West Texas Credit Union?Yes, to access services at West Texas 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, West Texas 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, West Texas Credit Union provides members with tools to manage their accounts and build a solid financial history. Does West Texas Credit Union offer online and mobile banking?Most modern institutions like West Texas 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.westtexascu.com. Current West Texas Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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