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DATCU Credit Union

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DATCU Credit Union Rates & Review May 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: May 11, 2026

You can compare DATCU Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 4.00%, 6-month share certificate rates at 1.40% and 3-month share certificate rates at 0.50%. Savings rates are at 0.15% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.08%. All these rates can be compared to DATCU Credit Union rates. 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 0.51%. Rates were last updated on 05/11/2026.

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

0.51%

Excellent Lower than avg

DATCU Credit Union
CORPORATE OFFICE

5940 S Interstate 35 E
Corinth, TX 76210

https://www.datcu.org

Current Rate Availability

We do not have DATCU Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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

0.51%

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

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

There are no reviews for DATCU Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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.