What are the current interest rates at ELLIS COUNTY TEACHERS AND EMPLOYEES?

Current rates for ELLIS COUNTY TEACHERS AND EMPLOYEES include: Savings: 1.50%

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ELLIS COUNTY TEACHERS AND EMPLOYEES

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ELLIS COUNTY TEACHERS AND EMPLOYEES Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ELLIS COUNTY TEACHERS AND EMPLOYEES 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: October 10, 2026

ELLIS COUNTY TEACHERS AND EMPLOYEES's top rates as of October 10, 2026 are 3.65% APY on its 6 Month CD of Deposit, 1.50% APY on savings, and personal loans from 15.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of ELLIS COUNTY TEACHERS AND EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/10/2026.

ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES? Share your experience about ELLIS COUNTY TEACHERS AND EMPLOYEES by leaving a review below, or read customer reviews before you decide to use ELLIS COUNTY TEACHERS AND EMPLOYEES.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ELLIS COUNTY TEACHERS AND EMPLOYEES
Ellis County Teachers & Employees Federal Credit Union

61 NORTHGATE DR
WAXAHACHIE, TX 75165-1433

http://ectefcu.net

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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.

ELLIS COUNTY TEACHERS AND EMPLOYEES CD Rates

Product	Rate	APY	Term	View More
6 Month Certificate of Deposit	-	3.65%	6 MONTH
Details Early withdrawal penalty 60 days interest. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ELLIS COUNTY TEACHERS AND EMPLOYEES Savings Rates

Product	Rate	APY	View More
Share/Savings	1.50%	1.50%
Min Balance $25 Details Dividends on share/savings accounts are paid quarterly and the rates may vary each quarter. The dividends are paid from income for the quarter and as income varies, so will the rate. The member will forfeit dividends that are accrued, but not paid in the event of an account closing. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ELLIS COUNTY TEACHERS AND EMPLOYEES Auto Loan Rates

Product	Rate	Points	APR	Term
Boats, Motorcycles & All-Terrain Vehicles - NEW	5.90%	-	5.90%	UP TO 60 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto	6.00%	-	6.00%	UP TO 36 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto	6.25%	-	6.25%	37 - 48 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto	6.50%	-	6.50%	49 - 60 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto	6.75%	-	6.75%	61 - 72 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Boats, Motorcycles & All-Terrain Vehicles - USED	6.90%	-	6.90%	UP TO 60 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Recreation Vehicle - NEW	6.99%	-	6.99%	UP TO 60 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	6.99%	72 MONTHS
Details Year: 2024 - 2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto	7.25%	-	7.25%	73 - 84 MONTHS
Details FINANCE $40K OR HIGHER Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.49%	84 months
Details Term: 84 MONTHS ($35K & OVER); Year: 2024 - 2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.49%	60 MONTHS
Details Year: 2021 - 2023 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Recreation Vehicle - USED	7.99%	-	7.99%	UP TO 60 MONTHS
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.99%	72 months
Details Term: 72 MONTHS ($30K & OVER); Year: 2021 - 2023 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	7.99%	48 MONTHS
Details Year: 2018 - 2020 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	8.49%	60 months
Details Term: 60 MONTHS ($25K & OVER); Year: 2018 - 2020 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	8.49%	36 MONTHS
Details Year: 2017 & OLDER Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto	-	-	8.99%	48 months
Details Term: 48 MONTHS ($20K & OVER); Year: 2017 & OLDER Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

ELLIS COUNTY TEACHERS AND EMPLOYEES Personal Loan Rates

Product	APR	Term	View More
Signature Loan	15.00%	UP TO 18 MONTHS
Details Amount: UP TO $1,700.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

ELLIS COUNTY TEACHERS AND EMPLOYEES’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$19M	0.00%	5.0	A+
March 31, 2026	$18M	0.00%	5.0	A+
December 31, 2025	$18M	0.00%	5.0	A+
September 30, 2025	$18M	0.20%	5.0	A+
June 30, 2025	$18M	0.01%	5.0	A+
March 31, 2025	$17M	0.00%	5.0	A+
December 31, 2024	$17M	0.02%	5.0	A+
September 30, 2024	$18M	0.04%	5.0	A+
June 30, 2024	$18M	0.00%	5.0	A+
March 31, 2024	$18M	0.00%	5.0	A+
December 31, 2023	$18M	0.10%	5.0	A+
September 30, 2023	$19M	0.00%	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 ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ELLIS COUNTY TEACHERS AND EMPLOYEES

Website http://ectefcu.net

Address 61 NORTHGATE DR, WAXAHACHIE, TX 75165-1433

Phone 972-937-4560

Fax 972-937-4589

President MIKE TURNER

CEO LISA POPE

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 2

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+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.8364%

Return on Equity (ROE)

4.1557%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

18,508,038

Total Amount of Shares and Deposits

14,735,504

Total Shares and Deposits < 1 Year

14,735,504

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

14,735,504

Total Interest Expense (Sum of items 6 8)

145,855

Share Certificates

110

Number of Accounts for Regular Shares

2,290

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)

3,698,380

Total Liabilities

14,782,997

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ELLIS COUNTY TEACHERS AND EMPLOYEES earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About ELLIS COUNTY TEACHERS AND EMPLOYEES

How many branches does ELLIS COUNTY TEACHERS AND EMPLOYEES operate?

ELLIS COUNTY TEACHERS AND EMPLOYEES 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 ELLIS COUNTY TEACHERS AND EMPLOYEES?

Yes, to access services at ELLIS COUNTY TEACHERS AND EMPLOYEES, 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, ELLIS COUNTY TEACHERS AND EMPLOYEES 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, ELLIS COUNTY TEACHERS AND EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does ELLIS COUNTY TEACHERS AND EMPLOYEES offer online and mobile banking?

Most modern institutions like ELLIS COUNTY TEACHERS AND EMPLOYEES 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://ectefcu.net.