At Raiz, their members and their strong, vibrant community inspire them every day. They share a passion for knowledge and a pursuit of growth, grounded in their heritage as El Paso Area Teachers Federal Credit Union founded in 1936. Now as Raiz Federal Credit Union, they guide members from all walks of life to... show more
Eligibility
Find out if you are eligible to join Raiz FCU.
Raiz FCU Reviews
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3.7
11 reviews
11 reviews
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Raiz FCU
Loren Lujan @loren0007
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1 Star Rating
I have banked here for years, and unfortunately the customer service and communication continue to get worse. I never expected to be spoken to with sarcasm and disrespect when simply trying to get help with my account. Instead of resolving concerns professionally, employees often come across as dismissive and unhelpful.
After years of dealing with poor communication, long wait times, and lack of accountability, this last experience was enough for me. A bank should make customers feel valued and supported, not frustrated and ignored.
At this point, I am seriously considering moving not only my accounts, but also my family members’ accounts elsewhere. Loyalty clearly means nothing here, and it is disappointing to see how poorly long-time customers are treated.
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Product: Raiz FCU Checking
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Raiz FCU
Alma M @almadmartinez1
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5 Star Rating
Verified Customer
I recommend this credit union. I have not had any issues with my checking, savings accounts and personal loan. Great customer service!
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Product: Raiz FCU Personal Loans
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Raiz FCU
Salvador @salvadorrmontes
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5 Star Rating
Verified Customer
Amazing credit union and easy to deal with regarding my loan refinance. They also have various locations throughout the city so it’s easy to get in contact with them.
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Product: Raiz FCU Car Loans
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Raiz FCU
srsinega @srsinega
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5 Star Rating
I have been with the credit union for almost 20 years and I have no complaints. Some of the sweetest people in the Universe, and I love them....ALL! I have so many testimonies concerning their professionalism but today I don't have time to share everything but if you will give me until next week and God willing, I will share some of the great things that they are doing daily!
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Raiz FCU
Thelma Lewis-Royal @royaltyrxs
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5 Star Rating
I moved here 17 months ago, with a bank in another state. I was able to sign up not In store bc of covid-19..I called and the representatives made it very easy to get a checking account,I do like the convince that is close by home , when need be I’m there in few minutes taken care of and off to where I need to be . Easy,Fast and Convenient ient
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Product: Raiz FCU Checking
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Raiz FCU
Laura @laurad_141
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5 Star Rating
Verified Customer
Good customer service. The bank is pretty fair and lenient with its members and offers a few cool incentives during the holidays like skip a payment.
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Product: Raiz FCU Car Loans
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Raiz FCU
grahamm73 @grahamm73
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1 Star Rating
Bought two vehicles one got behind two months and they held the car title on the paid off vehicle and said they would not release it for 6 months. They don’t assist educators they are loan sharks. Do not use TFCU
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Raiz FCU
Larry Marquez @LMarquez
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5 Star Rating
One of the big things to me with credit unions is how convenient they are. With the El Paso Area Teacher’s Federal Credit Union, they’ve managed to make my life so much simpler when it comes to banking. Their online banking is absolutely user friendly, more so than other credit unions or banks I’ve dealt with. Going in is always a treat as well. I love dealing with them and their friendliness, it is a rare kind of courtesy that isn’t seen too much these days. When I make a mistake or there is a problem on the account, they are always more than willing to help. When I had to take out a loan, I was genuinely surprised that the interest rate was smaller than I could ever have hoped. It's a great credit union.
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Product: Raiz FCU Checking
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Raiz FCU
Alisha Bacon @alishabitz
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3 Star Rating
This year, me and my husband decided to trade in our car for a newer one and of course, needed a loan to do so. EPATFCU was the first credit union we tried to go through. They were nice enough, but the real problem was that most of the employees didn't speak English very well. I know we are next to the border, but it would be nice to be able to understand the clerks when I go into a bank. I'm sure they were trying to be helpful, but that language barrier forced us to go with another bank. Even the ones who spoke English good enough had a thick accent. Overall, not a bad experience. We just couldn't make it work due to the language.
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Product: Raiz FCU Car Loans
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+ 2 WalletHub users submitted a rating without writing a full review
Get answers to your questions about Raiz FCU below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You have two days from the time you receive your statement to report any errors. If you incur any losses from fraudulent charges, doing this will ensure you are only liable for $50 of those losses. After 2 days you will be liable for up to $500, and after 60 days you could be liable for the full amount.
The membership requirements at Raiz FCU include geographic location, association membership, or family ties. Here's a clear breakdown of the requirements:
Geographic Location: Individuals who live, work, or worship in El Paso County, Texas, are eligible. Eligibility also extends to people who live in neighboring counties such as Hudspeth County in Texas, and Doña Ana and Otero in New Mexico.
Association Membership: Individuals who are members of the Underserved Communities Foundation...
The Raiz FCU CD compounds and pays interest monthly. This means that any dividends earned in a given month are added to your principal.
Keep in mind that this feature can change without prior notice. For the most up-to-date information, refer to Raiz FCU's website or contact their customer service by phone at (877) 378-3281.
You can check the best CD rates available to ensure that whatever decision you make really fits your goals.
Yes, the Raiz FCU CDs are NCUA-insured up to $250,000 per depositor. This ensures that your funds are safeguarded in the event the credit union holding your CD fails.
Keep in mind that the National Credit Union Administration only insures deposit accounts. You can check the best CD rates available to ensure that whatever decision you make fits your financial goals and needs.
The Raiz FCU CD has an APY of 3.14% - 4.07%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from three months to five years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
No, Raiz FCU is not a new credit union. It was originally established in 1936 as the El Paso Area Teachers Federal Credit Union. The name change was announced in July 2022 as part of a broader effort to modernize and reflect the credit union's vision for growth.
For the most up-to-date information, visit Raiz FCU's website or contact their customer service at (877) 378-3281.
You could try calling either the main number at 915) 843-8328 or the toll free number at 877-378-3281. If this is taking to long you could visit the local branch: https://www.tfcu.coop/home/locations.php.
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