--- title: "Federal Employees Credit Union Rates - Texas" description: "Current vehicle loan, and personal loan rates from Federal Employees Credit Union in Texas. Updated daily with source verification. See who can join Federal Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/federal-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Federal Employees Credit Union Rates - Texas ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.900% | — | Standard | | **New Recreational** powersports_new | — APR | 5.950% | new | Standard | | **Listed by year and term options (up to 36 months up to 48 months ($20k+))** auto_any_36mo | — APR | 7.300% | 36 mo | Standard | Federal Employees Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement** personal | — APR | 6.450% | — | Standard | | **Money Line / Line of Credit** ploc_variable | — APR | 11.300% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 13.300% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 13.300% | 60 mo | Standard | Federal Employees Credit Union personal loan rates as of November 13, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Listed by year and term options (up to 48 months up to 60 months up to 72 months ($20k+) up to 84 months ($40k+))** other | — % | 4.900% | — | Standard | | **Loans under $40,000 (NEW)** other | — % | 5.950% | — | Standard | | **Listed by year and term options (up to 60 months up to 72 months ($20k+))** other | — % | 6.150% | — | Standard | | **Loans under $40,000 (Used)** other | — % | 6.400% | — | Standard | | **Listed by year and term options (up to 48 months up to 60 months ($20k+))** other | — % | 6.800% | — | Standard | | **Home improvements are a great way to potentially increase its value! (61-84 months)** other | — % | 6.950% | — | Standard | | **Home improvements are a great way to potentially increase its value! (85-120 months)** other | — % | 7.450% | — | Standard | | **Home improvements are a great way to potentially increase its value! (121-144 months)** other | — % | 8.450% | — | Standard | Federal Employees Credit Union other rates as of November 13, 2026 Federal Employees Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/federal-employees) , verified from [Federal Employees Credit Union's official website](https://www.rrcu.com/) Loading branch locator… ## About Federal Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 351 Assets $2.9M Founded 1932 Locations reported 1 NCUA charter 67414 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Domino** Liberty Eylau · Texarkana · TX · 75501 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/domino) [**Red River Employees** Hwy 59 LE Office - TX · Texarkana · TX · 75501 About 2.3 miles away](https://rateapi.dev/credit-unions/texas/red-river-employees) [**Mil-Way** Texarkana Texas Branch · Texarkana · TX · 75501-6269 About 3.7 miles away](https://rateapi.dev/credit-unions/arkansas/mil-way) [**Morris Sheppard Texarkana** MORRIS SHEPPARD TEXARKANA FCU · TEXARKANA · TX · 75501 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/morris-sheppard-texarkana) [**Texarkana Terminal Employees** MORRIS SHEPPARD FCU · TEXARKANA · TX · 75501 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/texarkana-terminal-employees) [**Texar** TEXARKANA · TEXARKANA · TX · 75503 About 6.5 miles away](https://rateapi.dev/credit-unions/texas/texar) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Federal Employees Credit Union Membership eligibility from Federal Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Federal Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Department of Defense - Association American Consumer Council, Cornerstone Credit Union Foundation Verified from [Federal Employees Credit Union's membership page](https://www.rrcu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Federal Employees Credit Union Employers · Associations 2 · Family 4 published paths to membership, last verified August 21, 2026, quoted from Federal Employees Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Department of Defense - Work Location Red River Army Depot or the Lone Star Ammunition Plant (as written on the source page) “Civilian and military personnel of the Department of Defense who work at Red River Army Depot or the Lone Star Ammunition Plant, in Bowie County, Texas.” > [source ↗](https://www.rrcu.com/membership) - Employee of Department of Defense and Works at Red River Army Depot or the Lone Star Ammunition Plant ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “Member of the American Consumer Council (ACC) – Not a member of ACC? RRCU will enroll you at no additional cost to you. (Louisiana Residents Ineligible for ACC)” > [source ↗](https://www.rrcu.com/membership) - Member of American Consumer Council - Member of Cornerstone Credit Union Foundation “Member of the Cornerstone Credit Union Foundation (CCUF) – Not a member of CCUF? RRCU will enroll you at no additional cost to you.” > [source ↗](https://www.rrcu.com/membership) - Member of Cornerstone Credit Union Foundation ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings “An immediate family member of a current member – an immediate family member is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.” > [source ↗](https://www.rrcu.com/membership) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Federal Employees Credit Union? Yes No ## Work at Federal Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Federal Employees Credit Union ranks against Texas peers. - See which AI assistants fetched Federal Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=federal-employees&state=texas&code=TX&name=Federal%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Federal Employees Credit Union offer? Federal Employees Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Federal Employees Credit Union rates updated? RateAPI verifies Federal Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Federal Employees Credit Union's rate data? Rate data is collected directly from Federal Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Federal Employees Credit Union? Federal Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 employer and 2 associations for Federal Employees Credit Union, each quoted from Federal Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Federal Employees Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.rrcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Federal Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Federal Employees Credit Union curl "https://api.rateapi.dev/credit-unions/texas /federal-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Federal Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/federal-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp