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Naft

PO Box 771, Pharr, TX 78577
NCUA Insured3.3 (34 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

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

Location & Directions

Address

PO Box 771

Pharr, TX 78577

Service Area

This credit union is located in Pharr and serves members in the TX area. Currently serving 12,078 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

4.73%

Used Auto Loan

4.90%

Personal Loan

12.99%

Credit Card APR

11.18%

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).

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

Branches & Locations(3 total)

Member Reviews

3.3

34 Google reviews

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

View on Google Maps
george S.

george S.

a month ago

Wouldn’t let me get a couple rolls of quarters because I didn’t have an account with them. I wanted to give them a twenty dollar bill in exchange for twenty dollars in quarters. Went to another bank and they took care of me no questions asked. I worked at a bank and we would have never required someone to have an account just to get change for a twenty.

Nova

Nova

a year ago

Listen, I know the auto loans are pretty good with those promotional rates, but for the love of god please DO NOT TRY TO GET A LOAN FROM LORENA CELEDON. She’s really unhelpful and never has a smile on her face. A real bundle of joy she is.. Please avoid this branch but avoid Lorena even more.

Veronica Benavidez

Veronica Benavidez

10 months ago

Awesome people. So helpful. Surprised by all the bad reviews. I have banked with them for over 20 years and have never had a problem.

Jason Quintanilla

Jason Quintanilla

8 months ago

Place has gone down hill for the last year customer service on the drive thru is very slow and don't even listen to what you request

Al V

Al V

2 years ago

After over a decade of banking here and numerous loans, I’ll be closing my account tomorrow. Unbelievable how terrible the customer service has gotten. the complete lack of empathy, care for their members, and even a genuine sense that any of your concerns really matter. Frank had an absolutely terrible tone, In no way shape or form expressed any interest in showing that he valued me as a member. I’m looking forward to finding a bank locally That I believe, at least cares somewhat about their customers.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).