SPCO Credit Union Rates and Review January 2026
Compare SPCO Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of SPCO Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilitySPCO Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at SPCO Credit Union? Share your experience about SPCO Credit Union by leaving a review below, or read customer reviews before you decide to use SPCO Credit Union. Overall, SPCO Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. SPCO Credit Union SPCO Credit Union 12755 N Houston Rosslyn Rd Houston, TX 77086  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA Secured
18.000%
Visa Platinum
13.900%
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonNext Step Loan
10.500%
$0
Personal Loan
8.950%
$0
Signature Loan
10.000%
$0
12 - 12
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have SPCO Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: SPCO Credit Union
Website: https://www.spcocu.org
Full Time Employees: 7Part Time Employees: 0 President: Stephen Emmott CEO: J Timothy Adams Branch Locations: 2 ATM Locations: 1 Corporate Office Address:
12755 N Houston Rosslyn Rd
Houston, TX 77086 Phone Number: 713-455-8586 Fax Number: 713-455-8588 FinancialsTotal Assets:
38,111,885
Total Amount of Shares and Deposits:
33,700,668
Total Shares and Deposits < 1 Year:
23,643,375
Total Shares and Deposits 1 3 Years:
4,783,836
Total Shares and Deposits > 3 Years:
5,273,457
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
71,255
Total Uninsured Shares and Deposits > $250K (F+J):
71,255
Total Insured Shares and Deposits > $250K (item 17 less item K):
33,629,413
Total Interest Expense (Sum of items 6 8):
182,668
Share Certificates:
132
Number of Accounts for Share Drafts:
785
IRA KEOGH Accounts:
48
Number of Accounts for Regular Shares:
2,968
All other shares:
1
Non Member Deposits:
2
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,027,342
Total Liabilities:
34,480,578
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Source: NCUA Last Updated 03/31/2024
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Frequently Asked Questions About SPCO Credit UnionIs a member application needed to join SPCO Credit Union?Yes, to access services at SPCO Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, SPCO Credit Union provides a range of mortgage and home equity products. Is SPCO Credit Union a safe place to deposit money?Yes, SPCO Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does SPCO Credit Union offer online and mobile banking?Most modern institutions like SPCO Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.15%, 6-month CD rates at 2.50% and 3-month CD rates at 3.65%. Savings rates are at 0.75% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 5.66%. Credit Card rates are at 18.00%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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