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SP Trainmen Federal Credit Union

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SP Trainmen Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SP Trainmen 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: May 18, 2026

You can compare SP Trainmen Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.60%, 6-month share certificate rates at 1.05% and 3-month share certificate rates at 0.40%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to SP Trainmen Federal Credit Union rates. MonitorBankRates evaluates the financial stability of SP Trainmen Federal Credit Union with a 2.4 Star Rating, an F Overall Health Grade, and a Texas Ratio of 46.43%. Rates were last updated on 05/18/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 51/100

MonitorBankRates Rating

2.4

Average Out of 5.0 Stars

Texas Ratio

46.43%

Fair Higher than avg

SP Trainmen Federal Credit Union
S P Trainmen Federal Credit Union

12655 Woodforest Blvd Ste 855
Houston, TX 77015 3466

Current Rate Availability

We do not have SP Trainmen Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SP Trainmen 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 SP Trainmen 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 SP Trainmen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SP Trainmen Federal Credit Union

Website

Address 12655 Woodforest Blvd Ste 855, Houston, TX 77015 3466

Phone 713-453-1010

Fax 713-453-4611

President Darrin Godejohn

CEO Janice Gordon

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

2.4 / 5.0 ★

Overall Health & Safety Grade

F (51/100)

Texas Ratio

46.43%

Return on Assets (ROA)

-8.4004%

Return on Equity (ROE)

-56.8059%

Non-Performing Loans Ratio (NPL)

25.66%

Total Assets

2,852,991

Total Amount of Shares and Deposits

2,312,727

Total Shares and Deposits < 1 Year

1,819,727

Total Shares and Deposits 1 3 Years

493,000

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

2,312,727

Total Interest Expense (Sum of items 6 8)

4,538

Number of Accounts for Regular Shares

497

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

60,360

Total Liabilities

2,431,091

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About SP Trainmen Federal Credit Union

How many branches does SP Trainmen Federal Credit Union operate?

SP Trainmen 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 SP Trainmen Federal Credit Union?

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

Does SP Trainmen Federal Credit Union offer online and mobile banking?

Most modern institutions like SP Trainmen Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.