At a glance
From its website, read 2 Nov 2026Mountain Star Federal Credit Union is a credit union based in El Paso, Texas. Its website describes auto loans and personal loans. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (915) 544-2215 source |
|---|---|
| Toll-free | (888) 843-3207 source |
| Apply online | Page with the application link |
| Website | www.mountainstarfcu.org |
| Office (official list) | 2229 E Yandell, El Paso, TX 79903 |
What their website says about applying
Fill out the info below to apply for a loan with us.
sourceIngrese la siguiente información para solicitar un préstamo con nosotros.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Nov 2016 |
| RSSD ID | 201674 |
| Address | 2229 E Yandell, El Paso, TX 79903 Directions (Google Maps) |
| Website | www.mountainstarfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The fetched pages name a vehicle and signature loan but give no amounts, service area or mortgage product details. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Vehicle and Signature Loan | source |
| Personal / consumer loans | — | Vehicle and Signature Loan | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Ingrese la siguiente información para solicitar un préstamo con nosotros.
source
Online application
Yes — the site links to an application. Fill out the info below to apply for a loan with us.
source
Pages read (7)
- https://mountainstarfcu.org/
- https://mountainstarfcu.org/vehicle-and-signature-loan/
- https://mountainstarfcu.org/external-websites-disclosure-mortgages/
- https://mountainstarfcu.org/vehicle-and-signature-loan-new-spa/
- https://mountainstarfcu.org/external-websites-disclosure-mortgages-spa/
- https://mountainstarfcu.org/download/business-loan-policy-updated/
- https://mountainstarfcu.org/download/fernando-garcia-mortgage-loan/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.2 million in 4 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $350,000 |
| 2024 | Small Dollar Loan Program | $224,569 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MOUNTAIN STAR (charter 856). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $46.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,842 (as of 30 Jun 2026) |
| Offices | 2 in 2 states (as of 30 Jun 2026) |
Offices by state and county (2)
Texas (1 office)
- El Paso County (1): 2229 E Yandell Dr, El Paso 79903 (main office)
New Mexico (1 office)
- Doña Ana County (1): 210 E Idaho Ave, Las Cruces 88005
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Mountain Star Federal Credit Union (NCUA charter 856, filed as “MOUNTAIN STAR”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $29.3 million, 2,651 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.1% from $27.4 million on 30 Jun 2025 |
| Members | 4,842 (as of 30 Jun 2026); 4,464 (as of 30 Jun 2025) |
| Loans per member | $6,060 (total loans divided by members, 30 Jun 2026) |
| Total assets | $46.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.3 million | 21.5% |
| Used vehicle loans | $15.4 million | 52.6% |
| First-lien home mortgages (1-4 family) | $1.9 million | 6.4% |
| Other real estate loans (junior liens, other) | $111,462 | 0.4% |
| Commercial (business) loans | $1.6 million | 5.3% |
| Credit cards | $273,966 | 0.9% |
| Other unsecured loans | $2.2 million | 7.3% |
| Leases and other secured loans | $1.7 million | 5.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $46.5 million | Larger than 7% of the 14 other certified credit unions in Texas (median $191.6 million). |
| Loans as a share of assets | 63% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $27.4 million → $29.3 million (+7%) | Median change of 14 other certified credit unions in Texas: +3%. Rank by loans held among these 15: 14 → 14. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 7% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 14 → 14 of 15 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in El Paso and Texas
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- FIRSTLIGHT FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- GECU Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- ONE SOURCE FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loansVerified
- Raiz Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loansVerified
- Tigua Community Development CorporationLoan fund · El Paso, TX · Native CDFIOfficial list only
Work at Mountain Star Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.