Cherokee County

144 N Henderson St, Rusk, TX 75785

NCUA Insured3.0 (24 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

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 Rusk, 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 1960

Low-Income Designated

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

144 N Henderson St

Rusk, TX 75785

Google Maps 🗺Waze

(903) 683-2527

Service Area

This credit union is located in Rusk and serves members in the TX area. Currently serving 4,871 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

7.90%

Used Auto Loan

8.70%

Personal Loan

11.00%

Credit Card APR

11.00%

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(2 total)

Member Reviews

3.0

24 Google reviews

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

View on Google Maps

Evan Mecredy

8 months ago

This credit union is VERY hard to deal with. If you want to retrieve money from your own checking account, you have to physically ask them during their (short) hours. I would not recommend Cherokee county federal credit union to anyone for any reason. I'm sorry I wasted 3 years banking with them.

Ironda Jenkins

2 years ago

I've been with this credit union for over 25 years. I've paid off two cars and three loans. This new management is so not customer friendly. I went in to get a loan to do some work on starting my business. And they told me I could "borrow against my own money". ( If that was the case why did I apply for a loan)Everyone in that bank knows me personally and addressed me with respect. Now you have these young girls in there and it's horrible. I went and looked at a truck they had to make my buying experience easier since all my money goes there. And I was told the transmission was messed up in the truck. My question was. Why do y'all have it for sale then? Two days later I saw the same truck at Whataburger . And I asked the young man how is the truck driving. And he said," Great" I got it from the credit union and I just joined. 😞And ever since the new system update it's something always going on with the card or the pin. I would like our home town folks back. They treated people with respect . I've noticed one thing as well. It's the only credit union that doesn't ...well y'all get the picture. When I pay this last loan off. I'm getting a new bank.

Gracie Simon

4 years ago

The best Federal Credit Union I have ever used. I was with them for over 20 years. Everyone is friendly and helpful. Thank you Cherokee County Federal CU for servicing me all these years with only a few hiccups but always willing to rectify.

Melissa Keen

4 years ago

This business does not answer the phone and when going there in person, they are discriminatory against anyone unable or unwilling to wear masks. They refuse to close a deceased persons bank account, the death certificate in hand doesn’t make a difference. I would never have an account with this business.