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Northeast Texas Teachers Federal Credit Union

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Northeast Texas Teachers Federal Credit Union Rates & Review October 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: October 13, 2026

Northeast Texas Teachers Federal Credit Union's top rates as of October 13, 2026 are personal loans from 8.99% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. 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 0.57%. Rates last updated and verified on 10/13/2026.

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 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

0.57%

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

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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.

Northeast Texas Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Purchase Loan Rate - New Autos	-	-	3.40%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2025 - 60 months	-	-	3.40%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2026-2027	-	-	3.40%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - New Autos	-	-	3.90%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2024 - 60 months	-	-	4.95%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2023 - 60 months	-	-	5.95%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Used Vehicle - 2022 & Older - 60 months	-	-	6.90%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Auto Purchase Loan Rate - Vehicles over 90k miles	-	-	6.90%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

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

Product	Rate	APR	Term
Recreational Vehicles - New Loan	-	4.95%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - New Loan	-	5.95%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - Used RV 2022 & Newer Loan	-	6.15%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - Used RV 2021 & Older Loan	-	6.25%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - New Ag Equipment Loan	-	6.50%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - Used Ag Equipment Loan	-	6.90%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - Used RV 2021 & Newer Loan	-	6.90%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Recreational Vehicles - New Loan	-	6.95%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

Northeast Texas Teachers Federal Credit Union Credit Card Rates

Product	Rate	APR
VisaTM and MasterCardTM - Secured	-	10.00%
Details Minimum $300 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
VisaTM and MasterCardTM - Gold	-	12.50%
Details $5,000-$15,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
VisaTM and MasterCardTM - Classic	-	12.90%
Details $300-$5,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

Northeast Texas Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans - Signature	8.99%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Unsecured Loans - MoneyLine (Line of Credit)	11.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Unsecured Loans - Signature	13.00%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Unsecured Loans - Unsecured	13.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Unsecured Loans - Signature	14.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Unsecured Loans - Signature - Derogatory	18.00%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

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 2.58% in Q3 2023 to 0.57% in Q2 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
June 30, 2026	$33M	0.57%	5.0	A+
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+

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 3

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

0.57%

Return on Assets (ROA)

0.2520%

Return on Equity (ROE)

1.7439%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

33,089,954

Total Amount of Shares and Deposits

28,090,999

Total Shares and Deposits < 1 Year

27,890,264

Total Shares and Deposits 1 3 Years

161,541

Total Shares and Deposits > 3 Years

39,194

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

30,999

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

30,999

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

28,060,000

Total Interest Expense (Sum of items 6 8)

90,730

Share Certificates

104

Number of Accounts for Share Drafts

1,226

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,179

All other shares

261

Money Market Shares

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

83,377

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)

8,882,169

Total Liabilities

28,308,949

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northeast Texas Teachers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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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.