☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Northeast Texas Teachers Federal Credit Union

iAdvertiser Disclosure

Northeast Texas Teachers Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northeast Texas Teachers Federal 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 and Verified: September 23, 2026

Northeast Texas Teachers Federal Credit Union's Personal Loan Rates are as low as 8.99%. MonitorBankRates evaluates the financial stability of Northeast Texas Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.19%. Rates last updated and verified on 09/23/2026.

Northeast Texas Teachers Federal 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 Northeast Texas Teachers Federal Credit Union? Share your experience about Northeast Texas Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Northeast Texas Teachers Federal Credit Union.

Verified Healthy 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

0.19%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Northeast Texas Teachers Federal Credit Union
Paris Office

3320 Lamar Ave
Paris, TX 75460-5024

https://nettfcu.com

Northeast Texas Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	3.40%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle - 2025 Loan	-	-	3.40%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle - 2026-2027 Loan	-	-	3.40%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Autos	-	-	3.90%	72 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle - 2024 Loan	-	-	4.95%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle - 2023 Loan	-	-	5.95%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Vehicle - 2022 & Older Loan	-	-	6.90%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Vehicles over 90k miles Loan	-	-	6.90%	42 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Northeast Texas Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Used RV 2022 & Newer Loan	-	6.15%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV 2021 & Older Loan	-	6.25%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used RV 2021 & Newer Loan	-	6.90%	84 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Northeast Texas Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.99%	12 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Signature Loan	13.00%	36 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Unsecured Loan	13.30%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Signature Loan	14.00%	60 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Signature - Derogatory Loan	18.00%	12 mos.
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Northeast Texas Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	-	-	12.90%
Details Credit Card ($300-$5,000) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Gold Loan	-	-	12.50%
Details Credit Card ($5,000-$15,000) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Land Loans - Home Improvement	-	-	7.90%	60 mos.
Details All of the above mortgage loans can be amortized for up to 30 years. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Land Loans - In-House 10yr	-	-	7.50%
Details All of the above mortgage loans can be amortized for up to 30 years. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Land Loans - In-House 10yr Balloon	-	-	7.00%	Up to 12 mos.
Details All of the above mortgage loans can be amortized for up to 30 years. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
MoneyLine (Line of Credit)	-	-	11.30%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Ag Equipment Loan	-	-	6.50%	60 mos.
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Loan	-	-	4.95%	36 mos.
Details Recreational Vehicles (RV's,Travel Trailers, Motorcycles, ATV's, Jet Skis, Boats, Equipment) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Loan	-	-	5.95%	60 mos.
Details Recreational Vehicles (RV's,Travel Trailers, Motorcycles, ATV's, Jet Skis, Boats, Equipment) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New Loan	-	-	6.95%	84 mos.
Details Recreational Vehicles (RV's,Travel Trailers, Motorcycles, ATV's, Jet Skis, Boats, Equipment) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Used Ag Equipment Loan	-	-	6.90%	60 mos.
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

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

Northeast Texas Teachers Federal Credit Union’s Texas Ratio fell from 1.97% in Q2 2023 to 0.19% in Q1 2026, so its financial health has improved and is now 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
March 31, 2026	$34M	0.19%	5.0	A+
December 31, 2025	$33M	1.20%	5.0	A+
September 30, 2025	$33M	0.48%	5.0	A+
June 30, 2025	$32M	0.26%	5.0	A+
March 31, 2025	$32M	0.50%	5.0	A+
December 31, 2024	$32M	1.64%	5.0	A+
September 30, 2024	$32M	1.45%	5.0	A+
June 30, 2024	$33M	1.73%	5.0	A+
March 31, 2024	$33M	1.75%	5.0	A+
December 31, 2023	$33M	1.85%	5.0	A+
September 30, 2023	$32M	2.58%	5.0	A+
June 30, 2023	$33M	1.97%	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 Northeast Texas Teachers Federal 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 Northeast Texas Teachers Federal 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 Northeast Texas Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northeast Texas Teachers Federal Credit Union

Website https://nettfcu.com

Address 3320 Lamar Ave, Paris, TX 75460-5024

Phone 903-785-6682

Fax 903-785-6259

President Rex Ranes

CEO Brian Lawrence

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 3

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

0.19%

Return on Assets (ROA)

0.0783%

Return on Equity (ROE)

0.5615%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

33,884,754

Total Amount of Shares and Deposits

28,879,684

Total Shares and Deposits < 1 Year

28,637,414

Total Shares and Deposits 1 3 Years

203,321

Total Shares and Deposits > 3 Years

38,949

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

28,879,684

Total Interest Expense (Sum of items 6 8)

45,579

Share Certificates

106

Number of Accounts for Share Drafts

1,225

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,202

All other shares

259

Money Market Shares

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

27,885

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)

10,211,238

Total Liabilities

29,159,240

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Northeast Texas Teachers Federal 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/northeast-texas-teachers-federal-credit-union-rates-review-14170">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Northeast Texas Teachers Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Northeast Texas Teachers Federal Credit Union

Frequently Asked Questions About Northeast Texas Teachers Federal Credit Union

How many branches does Northeast Texas Teachers Federal Credit Union operate?

Northeast Texas Teachers Federal 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 Northeast Texas Teachers Federal Credit Union?

Yes, to access services at Northeast Texas Teachers Federal 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, Northeast Texas Teachers Federal 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, Northeast Texas Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northeast Texas Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Northeast Texas Teachers Federal 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://nettfcu.com.