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Doches Credit Union

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Doches Credit Union Rates & Review September 2026

Q: How many branches does Doches Credit Union operate?

Doches 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 Doches Credit Union?

Yes, to access services at Doches 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, Doches 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, Doches 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: September 23, 2026

Doches Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Doches Credit Union, and you can see how they compare in the Doches Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Doches Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.02%. Database rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Doches Credit Union
Main Office

920 NW Stallings Dr
Nacogdoches, TX 75964

https://www.dochescu.com

Doches Credit Union Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking	5.50%	-	5.64%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases, each greater than or equal to $5.00; enrolled in and agreed to receive e-statements; enrolled in and logged into online banking and accessed online banking once during the Certification Period.; Balances up to $10,000.00 earn 5.50% APY. Balances over $10,000.01 earn 1.00% APY on the portion over $10,000.01. When qualifications are not met, the dividend rate earned on the entire average daily balance is 1.00% resulting in an APY of 1.00%. ATM withdrawal fees are refunded up to $25 monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Free Kasasa Cash Checking	5.50%	-	5.64%
Min Balance $10,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases, each greater than or equal to $5.00; Be enrolled in and have agreed to receive e-statements rather than paper statements; Be enrolled in and log into online banking and access online banking once during the Certification Period; APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Average daily balances over $10,000.01 earn a dividend rate of 1.00% on the portion of the average daily balance over $10,000.01, resulting in a range from 5.64% to 1.00% APY depending on the account's average daily balance. Balance: $10,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Free Kasasa Cash Checking	1.00%	-	1.00%
Details When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire average daily balance in the account will be 1.00% resulting in an APY of 1.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

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

Doches Credit Union’s Texas Ratio stayed near 2.62% in Q2 2023 to 3.02% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$64M	3.02%	5.0	A+
December 31, 2025	$63M	2.94%	5.0	A+
September 30, 2025	$64M	1.18%	5.0	A+
June 30, 2025	$65M	2.36%	5.0	A+
March 31, 2025	$66M	2.62%	5.0	A+
December 31, 2024	$64M	2.56%	5.0	A+
September 30, 2024	$66M	4.78%	5.0	A+
June 30, 2024	$66M	5.44%	5.0	A+
March 31, 2024	$67M	4.73%	5.0	A+
December 31, 2023	$64M	4.21%	5.0	A+
September 30, 2023	$63M	4.71%	5.0	A+
June 30, 2023	$64M	2.62%	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 Doches 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 Doches 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 Doches Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Doches Credit Union

Website https://www.dochescu.com

Address 920 NW Stallings Dr, Nacogdoches, TX 75964

Phone 936-569-7700

Fax 936-560-5701

President Freddie Gibson

CEO Cody Derouen

Full-Time Employees 24

Part-Time Employees 3

Branch Locations 5

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.02%

Return on Assets (ROA)

0.3249%

Return on Equity (ROE)

2.3873%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

64,323,886

Total Amount of Shares and Deposits

55,903,782

Total Shares and Deposits < 1 Year

53,424,174

Total Shares and Deposits 1 3 Years

2,369,906

Total Shares and Deposits > 3 Years

109,701

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

954,272

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

954,272

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

54,949,510

Total Interest Expense (Sum of items 6 8)

151,465

Share Certificates

260

Number of Accounts for Share Drafts

5,196

Number of Accounts for Regular Shares

10,667

Money Market Shares

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)

1,727,892

Total Liabilities

55,570,775

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Doches Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Doches Credit Union

How many branches does Doches Credit Union operate?

Doches 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 Doches Credit Union?

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

Does Doches Credit Union offer online and mobile banking?

Most modern institutions like Doches 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.dochescu.com.