What are the current interest rates at Credit Union of Texas?

Current rates for Credit Union of Texas include: 12-Month CD: 3.50%

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Credit Union of Texas

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Credit Union of Texas Rates & Review October 2026

Q: How many branches does Credit Union of Texas operate?

Credit Union of Texas currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Credit Union of Texas?

Yes, to access services at Credit Union of Texas, 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.

Q: Is there a first-time homebuyer program?

Currently, Credit Union of Texas 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of Texas provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Credit Union of Texas's top rate as of October 9, 2026 is 3.75% APY on its 6 Month Regular CD, according to rates verified by MonitorBankRates. Other Credit Union of Texas CD rates include 12 Month No Penalty CD at 3.50%. MonitorBankRates evaluates the financial stability of Credit Union of Texas with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.32%. Rates last updated and verified on 10/09/2026.

Credit Union of Texas 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 Credit Union of Texas? Share your experience about Credit Union of Texas by leaving a review below, or read customer reviews before you decide to use Credit Union of Texas.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.32%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Credit Union of Texas
Credit Union of Texas Allen

900 W Bethany Dr Ste 500
Allen, TX 75013-3834

https://cutx.org

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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.

Credit Union of Texas CD Rates

Product	Rate	APY	Term
6 Month Regular CD	-	3.75%	6 months
Min Deposit $1,000 Details Rates are accurate as of January 1, 2026 and are subject to change. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.32%
12 Month No Penalty CD	3.45%	3.50%	12 Month
Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Credit Union of Texas’s Texas Ratio rose from 7.40% in Q3 2023 to 13.32% 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. 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	$2.6B	13.32%	5.0	A
March 31, 2026	$2.7B	13.23%	5.0	A
December 31, 2025	$2.7B	14.89%	5.0	A-
September 30, 2025	$2.7B	13.82%	5.0	A
June 30, 2025	$2.6B	13.24%	5.0	A
March 31, 2025	$2.6B	11.79%	5.0	A
December 31, 2024	$2.5B	13.33%	5.0	A
September 30, 2024	$2.7B	12.40%	5.0	A
June 30, 2024	$2.6B	9.33%	5.0	A
March 31, 2024	$2.5B	8.56%	5.0	A
December 31, 2023	$2.5B	8.43%	5.0	A
September 30, 2023	$2.4B	7.40%	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 Credit Union of Texas 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 Credit Union of Texas 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 Credit Union of Texas's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Texas

Website https://cutx.org

Address 900 W Bethany Dr Ste 500, Allen, TX 75013-3834

Phone 214-818-3231

Fax

President Troy Mathieu

CEO Eric Pointer

Full-Time Employees 513

Part-Time Employees 53

Branch Locations 26

ATM Locations 21

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.32%

Return on Assets (ROA)

0.0272%

Return on Equity (ROE)

0.3346%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

2,643,180,162

Total Amount of Shares and Deposits

2,268,970,168

Total Shares and Deposits < 1 Year

2,096,969,771

Total Shares and Deposits 1 3 Years

150,102,794

Total Shares and Deposits > 3 Years

21,897,603

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

282,241,651

Total Uninsured Shares and Deposits > $250K (F+J)

282,241,651

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,986,728,517

Total Interest Expense (Sum of items 6 8)

29,775,060

Share Certificates

19,937

Number of Accounts for Share Drafts

108,738

IRA KEOGH Accounts

4,624

Number of Accounts for Regular Shares

199,510

Non Member Deposits

103

Money Market Shares

1,799

Net Income (unless the amount is already included in Undivided Earnings)

719,085

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)

67,936,690

Total Liabilities

2,457,470,115

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Credit Union of Texas earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Credit Union of Texas

How many branches does Credit Union of Texas operate?

Credit Union of Texas 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 Credit Union of Texas?

Yes, to access services at Credit Union of Texas, 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, Credit Union of Texas 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, Credit Union of Texas provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union of Texas offer online and mobile banking?

Most modern institutions like Credit Union of Texas 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://cutx.org.