Raiz

12020 ROJAS DR, El Paso, TX 79936

NCUA Insured4.2 (477 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around El Paso, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1936

Low-Income Designated

Minority Depository Institution (MDI)

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

12020 ROJAS DR

El Paso, TX 79936

Google Maps 🗺Waze

(915) 843-8328

Service Area

This credit union is located in El Paso and serves members in the TX area. Currently serving 78,235 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.80%

Used Auto Loan

8.20%

Personal Loan

11.50%

Credit Card APR

9.15%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

4.2

477 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

J.J. Aguilera

3 months ago

This is a second rae bank. I regret doing business with this organization. They are not a fully backed organization. Had my account compromised and was charged several thousand of dollars in fraudulent charges out of Washington State and the hey reimbursed a slall fraction of the fraudulent charges. Jessica had my bank card stopped, 2 times without notification and when I needed it I couldn’t use it. I needed to go and wait an hour to get a new card. In response to the banks reply herein and their honest effort to rectify this issue I amend my review. They went above and beyond to make sure that we were treated fairly. Thank you for Your help.

Ricardo Rios

6 months ago

I needed help ASAP and this wonderful woman Ms Nikki just helped me get everything squared away. I desperately needed to pay my past due rent and the Ms Nikki helped me right away. I am so grateful to her for her quick action and professional attitude.

Belinda Perez

2 months ago

My card compromised. I received a text message. I called customer service and was told to come to the branch to get a new card free of charge since the system detected fraud and was confirmed. When I get here the representative says I have to pay a $5 fee, which is unacceptable since this was not my fault. It would be great customer service if this fee was refunded back to my account as this situation should nit be at my expense.

Mari Ruiz

8 months ago

Everyone in this credit union is amazing! So friendly, efficient and if they do not know how to solve something they will do whatever they can to figure it out. Gabriel was super helpful and Claudia was amazing, she went above and beyond. This is the best location, I know they can resolve any issue.