What are the current interest rates at Texans Credit Union?

Current rates for Texans Credit Union include: 12-Month CD: 3.50%, MMA: 3.50%

☰

Home›
Credit Unions›
Texans Credit Union

iAdvertiser Disclosure

Texans Credit Union Rates & Review April 2026

Q: How many branches does Texans Credit Union operate?

Texans 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 Texans Credit Union?

Yes, to access services at Texans 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, Texans 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, Texans 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: April 18, 2026

Texans Credit Union's 12 Month CD rates are at 3.50%. Texans Credit Union's money market rates are at 3.50%. Texans Credit Union's Personal Loan Rates are at 4.59%. MonitorBankRates evaluates the financial stability of Texans Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.88%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.88%

Excellent Lower than avg

Texans Credit Union
Main Office

777 E Campbell Rd
Richardson, TX 75081 1891

https://www.texanscu.org

Texans Credit Union CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	-	3.50%	12
Min Deposit $500 Details APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Texans Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	3.50%
Min Deposit $500 Min Balance $1,000,000 Details Qualifying balance up to $1,000,000. APY is accurate as of 12/01/2025. This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Texans Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.79%
Details As Low As; Lowest rate currently available as of 02/02/2026. Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 30 years available on first lien home equity loans. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Texans Credit Union NMLS #530654 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Texans Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.59%
Details As Low As; Rates are current as of 02/02/2026 and reflect rates available on auto loans only. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors, and are subject to change without notice. Additional financing options available. Refinance of an existing Texans auto loan includes a $50 fee. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Other restrictions may apply. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

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 Texans 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 Texans 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 Texans Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texans Credit Union

Website https://www.texanscu.org

Address 777 E Campbell Rd, Richardson, TX 75081 1891

Phone 972-348-2000

Fax

President George Consolver

CEO David Frazier

Full-Time Employees 278

Part-Time Employees 16

Branch Locations 11

ATM Locations 10

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.88%

Return on Assets (ROA)

0.7515%

Return on Equity (ROE)

6.8719%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

2,392,255,451

Total Amount of Shares and Deposits

2,128,421,717

Total Shares and Deposits < 1 Year

2,066,468,679

Total Shares and Deposits 1 3 Years

49,417,993

Total Shares and Deposits > 3 Years

12,535,045

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

204,155,422

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

204,155,422

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

1,924,266,295

Total Interest Expense (Sum of items 6 8)

32,389,346

Share Certificates

15,913

Number of Accounts for Share Drafts

58,130

IRA KEOGH Accounts

4,667

Number of Accounts for Regular Shares

145,433

Money Market Shares

3,954

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

17,977,556

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

207,985,675

Total Liabilities

2,156,303,714

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Texans Credit Union

Frequently Asked Questions About Texans Credit Union

Is Texans Credit Union a safe place to deposit money?

Yes, Texans Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8787049988869%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Texans Credit Union operate?

Texans 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 Texans Credit Union?

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

Does Texans Credit Union offer online and mobile banking?

Most modern institutions like Texans 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.texanscu.org.