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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Credit Union of Texas Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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 29, 2026
Credit Union of Texas's 12 Month Regular CD rates are at 4.00%, 6 Month Regular CD rates are at 4.00%, 18 Month Regular CD rates are at 3.90%, 24 Month Regular CD rates are at 3.70%, 36 Month Regular CD rates are at 3.60%. Credit Union of Texas's ARM Loan rates are at 6.25%. Credit Union of Texas's Credit Card Rates are at 13.15%. Credit Union of Texas's top CD rate of 4.00% APY on a 12 month CD is 33% higher than the MonitorBankRates national average for that term, and it has an A health rating. 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 10/29/2026. 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. Credit Union of Texas
Credit Union of Texas Allen 900 W Bethany Dr Ste 500
https://cutx.org Allen, TX 75013-3834  Customer Reviews
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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
Credit Union of Texas Mortgage Rates
Credit Union of Texas Credit Card Rates
Credit Union of Texas Other Rates
Financial Health HistoryCredit 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
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Frequently Asked Questions About Credit Union of TexasDoes Credit Union of Texas offer CDs?Yes. Credit Union of Texas current CD rates include its 12 Month Regular CD at 4.00% APY, its 6 Month Regular CD at 4.00% APY and its 18 Month Regular CD at 3.90% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Credit Union of Texas NCUA insured?Yes. Credit Union of Texas 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 Credit Union of Texas?The highest Credit Union of Texas CD rate is its 12 Month Regular CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Credit Union of Texas offer?Credit Union of Texas CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.90% APY for an 18 month CD, 3.70% APY for a 2 year CD, 3.60% APY for a 3 year CD and 3.60% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Texas for its full lineup. What is the lowest mortgage rate at Credit Union of Texas?The lowest Credit Union of Texas mortgage rate is its ARM Loan at 6.25%, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Credit Union of Texas?The lowest Credit Union of Texas credit card APR is its Mastercard Credit Card at 13.15% APR, verified by MonitorBankRates as of October 29, 2026. 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. 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 Credit Union of Texas rates compare?Credit Union of Texas's top CD rate of 4.00% APY on a 12 month CD is 33% higher than the MonitorBankRates national average for that term, and it has an A health rating. Credit Union of Texas's top rates are its 12 Month Regular CD at 4.00% APY, its ARM Loan at 6.25% and its Mastercard Credit Card at 13.15% APR, verified by MonitorBankRates on October 29, 2026. Current Credit Union of Texas Rates
Retrieved from our database of financial products. Rates subject to change.
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