What are the current interest rates at DATCU Credit Union?

Current rates for DATCU Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.75%, 60-Month CD: 3.50%, Savings: 0.35%, MMA: 1.00%

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DATCU Credit Union

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DATCU Credit Union Rates & Review August 2026

Q: How many branches does DATCU Credit Union operate?

DATCU 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.

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

Yes, to access services at DATCU 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.

Q: Is there a first-time homebuyer program?

Currently, DATCU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, DATCU Credit Union 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: August 28, 2026

DATCU Credit Union's IRA CD 12 month rates are at 4.00%, 6 month CD of Deposit rates are at 3.85%, IRA CD 6 month rates are at 3.85%, 24 month CD of Deposit rates are at 3.75%, IRA CD 24 month rates are at 3.75%. DATCU Credit Union's savings rates are at 0.35%. DATCU Credit Union's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of DATCU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.48%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.48%

Excellent Lower than avg

DATCU Credit Union
CORPORATE OFFICE

5940 S Interstate 35 E
Corinth, TX 76210

https://www.datcu.org

DATCU Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate 12 month	3.78%	4.00%	12 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
6 month Certificate of Deposit	-	3.85%	6 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA Certificate 6 month	3.44%	3.85%	6 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
24 month Certificate of Deposit	-	3.75%	24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA Certificate 24 month	3.44%	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
36 month Certificate of Deposit	-	3.50%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA Certificate 36 month	3.44%	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA Certificate 48 month	3.44%	3.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA Certificate 60 month	3.44%	3.50%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY is accurate as of 07/15/2026. A penalty may be imposed for early withdrawal and could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

DATCU Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	-	0.35%
Min Deposit $1,000 Min Balance $100 Details A minimum average daily balance of $1,000 between all IRA Savings and IRA CD shares is required to open. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is accurate as of 12/19/2025. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Savings Account	-	0.35%
Min Deposit $5 Min Balance $100 Details A minimum average daily balance of $100 must be maintained to earn a dividend. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is accurate as of 12/19/2025. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

DATCU Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.00%
Min Deposit $2,500 Min Balance $100,000 Details APY is accurate as of 07/2/2026. Dividends on Money Market Accounts will be compounded monthly and credited monthly. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	-	1.30%
Min Deposit $2,500 Min Balance $50,000 Details APY is accurate as of 07/2/2026. Dividends on Money Market Accounts will be compounded monthly and credited monthly. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	-	1.05%
Min Deposit $2,500 Min Balance $25,000 Details APY is accurate as of 07/2/2026. Dividends on Money Market Accounts will be compounded monthly and credited monthly. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	-	1.00%
Min Deposit $2,500 Min Balance $2,500 Details APY is accurate as of 07/2/2026. Dividends on Money Market Accounts will be compounded monthly and credited monthly. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

DATCU Credit Union Checking Rates

Product	Rate	APY	View More
DATCU Free Checking Account	-	0.20%
Min Deposit $5 Details Interest is paid on all active checking accounts defined as 10+ card transactions per month plus e-statements. Interest is compounded and credited monthly. APY is accurate as of 12/16/2022. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings to the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

DATCU Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	14.00%
Details Rewards: Earn 1.5 points for every $1 spent; Annual Fee: No annual fee; Balance Transfers: No balance transfer fee; Cash Back Rewards: Yes Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for DATCU 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 DATCU 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 DATCU Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name DATCU Credit Union

Website https://www.datcu.org

Address 5940 S Interstate 35 E, Corinth, TX 76210

Phone 940-387-8585

Fax 940-442-5428

President Robert Ramirez

CEO Melanie Vest

Full-Time Employees 226

Part-Time Employees 11

Branch Locations 15

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.48%

Return on Assets (ROA)

1.1356%

Return on Equity (ROE)

6.8364%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

1,738,190,125

Total Amount of Shares and Deposits

1,437,050,196

Total Shares and Deposits < 1 Year

1,381,510,532

Total Shares and Deposits 1 3 Years

47,297,814

Total Shares and Deposits > 3 Years

8,241,850

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

68,249,439

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

68,249,439

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

1,368,800,757

Total Interest Expense (Sum of items 6 8)

17,635,452

Share Certificates

9,906

Number of Accounts for Share Drafts

65,047

IRA KEOGH Accounts

2,511

Number of Accounts for Regular Shares

113,470

All other shares

13,478

Money Market Shares

3,874

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)

200,974,675

Total Liabilities

1,451,996,298

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for DATCU Credit Union

Frequently Asked Questions About DATCU Credit Union

How many branches does DATCU Credit Union operate?

DATCU 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 DATCU Credit Union?

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

Does DATCU Credit Union offer online and mobile banking?

Most modern institutions like DATCU 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.datcu.org.