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Community Service Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
Community Service Credit Union's 18 Month CD rates are at 3.95%, CSCU CD - 18 month rates are at 3.95%, CD - 12-Month rates are at 3.25%, CSCU CD - 12 month rates are at 3.25%, CD - 6-Month rates are at 2.75%. Community Service Credit Union's savings rates are at 3.45%. Community Service Credit Union's checking rates are as high as 4.00%. Community Service Credit Union's Auto Loan Rates are as low as 4.39%. Community Service Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Community Service Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.18%. Rates last updated and verified on 10/30/2026.
Community Service Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Service Credit Union? Share your experience about Community Service Credit Union by leaving a review below, or read customer reviews before you decide to use Community Service Credit Union.
Community Service Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Community Service Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
6.18%
ExcellentHigher than avg
Community Service Credit Union Texas Ratio
Community Service Credit Union's Texas Ratio is 6.18%, which is considered excellent and is higher than the national average of 6.13%.
Community Service Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.39% to 6.18% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Community Service Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Certificate
-
3.95%
18 months
Min Deposit$500
DetailsFeatured term; fixed rate for the term; NCUA/ESI insured
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.95% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 18 month
-
3.95%
18 months
Min Deposit$500
DetailsFeatured term; Early withdrawal penalty: 180 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.95% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 24 month (Step Rate)
-
3.95%
24 months
Min Deposit$5,000
DetailsStep Rate: if Step Rate increases during term, member may request the higher rate; Early withdrawal penalty: 270 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.95% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Jumbo IRA Certificate - 12-Month
-
3.60%
12-Month
Min Deposit$75,000
DetailsTraditional IRA; Amount to Open: $75,000.00
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Mini Jumbo IRA Certificate (Traditional IRA) - 12-Month
-
3.55%
12-Month
Min Deposit$40,000
DetailsAmount to Open: $40,000.00
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
Oct 10, 20263.55%▲ from 3.30%
Sep 18, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Super Jumbo Certificate - 12 month
-
3.50%
12 months
Min Deposit$100,000
DetailsLarger deposits; Early withdrawal penalty: 180 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Jumbo Certificate - 12 month
-
3.45%
12 months
Min Deposit$75,000
DetailsLarger deposits; Early withdrawal penalty: 180 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.45% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Mini Jumbo Certificate - 12 month
-
3.35%
12 months
Min Deposit$40,000
DetailsLarger deposits; Early withdrawal penalty: 180 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 12-Month
-
3.25%
12-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 12 month
-
3.25%
12 months
Min Deposit$500
DetailsEarly withdrawal penalty: 180 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 12-Month
-
3.25%
12-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Education Certificate - 12-Month
-
3.25%
12-Month
Min Deposit$500
DetailsAmount to Open: $500.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Roth Certificate 12-Month
-
3.25%
12-Month
Min Deposit$500
DetailsAmount to Open: $500.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Jumbo IRA Certificate - 6-Month
-
3.20%
6-Month
Min Deposit$75,000
DetailsTraditional IRA; Amount to Open: $75,000.00
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Mini Jumbo IRA Certificate (Traditional IRA) - 6-Month
-
3.10%
6-Month
Min Deposit$40,000
DetailsAmount to Open: $40,000.00
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
Oct 10, 20263.10%▲ from 2.85%
Sep 18, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Super Jumbo Certificate - 6 month
-
2.95%
6 months
Min Deposit$100,000
DetailsLarger deposits; Early withdrawal penalty: 90 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.95% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Jumbo Certificate - 6 month
-
2.85%
6 months
Min Deposit$75,000
DetailsLarger deposits; Early withdrawal penalty: 90 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Mini Jumbo Certificate - 6 month
-
2.80%
6 months
Min Deposit$40,000
DetailsLarger deposits; Early withdrawal penalty: 90 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.80% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 6-Month
-
2.75%
6-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 6 month
-
2.75%
6 months
Min Deposit$500
DetailsEarly withdrawal penalty: 90 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 6-Month
-
2.75%
6-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 24-Month
-
2.25%
24-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 24 month
-
2.25%
24 months
Min Deposit$500
DetailsEarly withdrawal penalty: 270 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 24-Month
-
2.25%
24-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Roth Certificate 24-Month
-
2.25%
24-Month
Min Deposit$500
DetailsAmount to Open: $500.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 36-Month
-
2.00%
36-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 48-Month
-
2.00%
48-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Certificate - 60-Month
-
2.00%
60-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 36 month
-
2.00%
36 months
Min Deposit$500
DetailsLonger terms; Early withdrawal penalty: 365 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 48 month
-
2.00%
48 months
Min Deposit$500
DetailsLonger terms; Early withdrawal penalty: 540 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
CSCU Certificate - 60 month
-
2.00%
60 months
Min Deposit$500
DetailsLonger terms; Early withdrawal penalty: 720 days of interest
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 36-Month
-
2.00%
36-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 48-Month
-
2.00%
48-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Certificate (Traditional IRA) - 60-Month
-
2.00%
60-Month
Min Deposit$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Education Certificate - 48-Month
-
2.00%
48-Month
Min Deposit$500
DetailsAmount to Open: $500.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Community Service Credit Union Savings Rates
Product
Rate
APY
View More
High Yield Savings (Money Market)
-
3.45%
Min Deposit$2,500
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 or more
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10%
Oct 14, 20263.45%▲ from 3.10%
Sep 14, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
3.45%
Min Balance$1,000,000
DetailsBalance: $1,000,000-Above; Minimum daily balance to earn APY: $1,000,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
3.35%
Min Deposit$2,500
Min Balance$750,000
DetailsBalance: $750,000.00 to $999,999.99
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00%
Oct 14, 20263.35%▲ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
3.35%
Min Balance$750,000
DetailsBalance: $750,000.00-$999,999.99; Minimum daily balance to earn APY: $750,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
3.25%
Min Deposit$2,500
Min Balance$500,000
DetailsBalance: $500,000.00 to $749,999.99
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
Oct 14, 20263.25%▲ from 2.90%
Sep 14, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
3.25%
Min Balance$500,000
DetailsBalance: $500,000.00-$749,999.99; Minimum daily balance to earn APY: $500,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
2.85%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.85% ▲ 0.35 pts · high 2.85% / low 2.50%
Oct 14, 20262.85%▲ from 2.50%
Sep 14, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
2.85%
Min Balance$250,000
DetailsBalance: $250,000.00-$499,999.99; Minimum daily balance to earn APY: $250,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
2.30%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.95% → 2.30% ▲ 0.35 pts · high 2.30% / low 1.95%
Oct 14, 20262.30%▲ from 1.95%
Sep 14, 20261.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
2.30%
Min Balance$100,000
DetailsBalance: $100,000.00-$249,999.99; Minimum daily balance to earn APY: $100,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
1.80%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.45% → 1.80% ▲ 0.35 pts · high 1.80% / low 1.45%
Oct 14, 20261.80%▲ from 1.45%
Sep 14, 20261.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
1.80%
Min Balance$50,000
DetailsBalance: $50,000.00-$99,999.99; Minimum daily balance to earn APY: $50,000.00
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
1.00%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
1.00%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings (Money Market)
-
1.00%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000.00 to $49,999.99
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
1.00%
Min Balance$2,500
DetailsBalance: $2,500.00-$9,999.99; Minimum daily balance to earn APY: $2,500.00
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
1.00%
Min Balance$10,000
DetailsBalance: $10,000.00-$24,999.99; Minimum daily balance to earn APY: $10,000.00
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
High Yield Savings Consumer
-
1.00%
Min Balance$25,000
DetailsBalance: $25,000.00-$49,999.99; Minimum daily balance to earn APY: $25,000.00
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Savings
-
1.00%
Min Balance$0
DetailsBalance: $.01-$9,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Savings
-
1.00%
Min Balance$10,000
DetailsBalance: $10,000.00-$39,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
IRA Savings
-
1.00%
Min Balance$40,000
DetailsBalance: $40,000.00-Above
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 11 times
No change since Sep 14, 2026 · 4.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Community Service Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Refinance an Auto Loan
-
-
4.39%
DetailsAs Low As; Lowest available rate includes 0.25% AutoPay reduction; minimum credit score of 640 required; rates based on creditworthiness; offer ends 12/31/2026
Last Updated10/30/2026
Rate History
No change since Oct 22, 2026 · 4.39% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.18%
Financial Health History
Community Service Credit Union’s Texas Ratio rose from 1.39% in Q3 2023 to 6.18% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$164M
6.18%
5.0
A
March 31, 2026
$163M
3.32%
5.0
A+
December 31, 2025
$165M
5.84%
5.0
A+
September 30, 2025
$162M
6.92%
5.0
A
June 30, 2025
$159M
7.44%
5.0
A
March 31, 2025
$156M
4.01%
5.0
A+
December 31, 2024
$152M
5.44%
5.0
A+
September 30, 2024
$157M
4.14%
5.0
A+
June 30, 2024
$155M
4.00%
5.0
A+
March 31, 2024
$151M
3.56%
5.0
A+
December 31, 2023
$142M
4.39%
5.0
A+
September 30, 2023
$144M
1.39%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Community Service Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community Service Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community Service Credit Union's official website for the most current offers and terms.
Address
250 FM 2821 Rd W,
Huntsville, TX 77320-8422
Phone936-295-3980
Fax
PresidentDoyle Scott
CEOJohn Hendricks
Full-Time Employees32
Part-Time Employees0
Branch Locations2
ATM Locations2
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.18%
Return on Assets (ROA)
0.2217%
Return on Equity (ROE)
2.3461%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
163,806,741
Total Amount of Shares and Deposits
146,462,874
Total Shares and Deposits < 1 Year
145,586,033
Total Shares and Deposits 1 3 Years
753,525
Total Shares and Deposits > 3 Years
123,316
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,788,589
Total Uninsured Shares and Deposits > $250K (F+J)
14,788,589
Total Insured Shares and Deposits > $250K (item 17 less item K)
131,674,285
Total Interest Expense (Sum of items 6 8)
1,068,163
Share Certificates
517
Number of Accounts for Share Drafts
7,559
IRA KEOGH Accounts
179
Number of Accounts for Regular Shares
11,863
All other shares
2
Non Member Deposits
22
Money Market Shares
326
Net Income (unless the amount is already included in Undivided Earnings)
363,148
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,439,070
Total Liabilities
148,328,259
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Community Service Credit Union earned the Verified Healthy badge
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Community Service Credit Union
Does Community Service Credit Union offer CDs?
Yes. Community Service Credit Union current CD rates include its 18 Month CD at 3.95% APY, its CSCU CD - 18 month at 3.95% APY and its CD - 12-Month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Community Service Credit Union NCUA insured?
Yes. Community Service Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Community Service Credit Union?
The highest Community Service Credit Union CD rate is its 18 Month CD at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Community Service Credit Union offer?
Community Service Credit Union CD rates are 2.75% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.95% APY for an 18 month CD, 2.25% APY for a 2 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Community Service Credit Union for its full lineup.
What is the highest savings rate at Community Service Credit Union?
The highest Community Service Credit Union savings rate is its High Yield Savings Consumer at 3.45% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Community Service Credit Union?
The highest Community Service Credit Union money market rate is its High Yield Savings (Money Market) at 3.45% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Community Service Credit Union?
The highest Community Service Credit Union checking rate is its SPENDSMART CHECKING at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Community Service Credit Union?
The lowest Community Service Credit Union auto loan rate is its Refinance an Auto Loan at 4.39% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Community Service Credit Union operate?
Community Service Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Community Service Credit Union?
Yes, to access services at Community Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Community Service Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Community Service Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Community Service Credit Union offer online and mobile banking?
Most modern institutions like Community Service Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cscutx.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Community Service Credit Union rates compare?
Community Service Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A health rating. Community Service Credit Union's top rates are its 18 Month CD at 3.95% APY, its High Yield Savings (Money Market) at 3.45% APY, its SPENDSMART CHECKING at 4.00% APY and its Refinance an Auto Loan at 4.39% APR, verified by MonitorBankRates on October 30, 2026.
Current Community Service Credit Union Rates
12-Month CD3.25%
18-Month CD3.95%
24-Month CD2.25%
60-Month CD2.00%
Savings3.45%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
