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Texas DPS Credit Union

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Texas DPS Credit Union Rates & Review November 2026

Q: What are the current interest rates at Texas DPS Credit Union?

Current rates for Texas DPS Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.70%, Savings: 5.00%, MMA: 0.20%

Q: What CD terms does Texas DPS Credit Union offer?

Texas DPS Credit Union CD rates are 3.50% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.70% APY for a 2 year CD and 3.65% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas DPS Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Texas DPS Credit Union's 2 Year CDs rates are at 3.70%, 1 Year CDs rates are at 3.65%, 3 Year CDs rates are at 3.65%, 6 Month CDs rates are at 3.50%, IRA/2 Year CD rates are at 3.70%. Texas DPS Credit Union's savings rates are at 5.00%. Texas DPS Credit Union's money market rates are at 0.20%. Texas DPS Credit Union's checking rates are as high as 0.05%. Texas DPS Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.74%. Texas DPS Credit Union's Credit Card Rates are at 8.99%. Texas DPS Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Texas DPS Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Texas DPS Credit Union
Texas DPS Credit Union

621 W Saint Johns Ave
Austin, TX 78752-2315

https://www.txdpscu.org

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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.

Texas DPS Credit Union CD Rates

Product	Rate	APY	Term
2 Year Share Certificates	3.64%	3.70%	2 Year
Min Deposit $500 Details Compounded Monthly; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 14, 20263.70%▲ from 3.65% Sep 22, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA/2 Year Certificate	3.64%	3.70%	2 Year
Min Deposit $500 Details Compounded Monthly; Individual Retirement Account; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 10, 20263.70%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
1 Year Share Certificates	3.59%	3.65%	1 Year
Min Deposit $500 Details Compounded Monthly; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 14, 20263.65%▲ from 3.60% Sep 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 Year Share Certificates	3.59%	3.65%	3 Year
Min Deposit $500 Details Compounded Monthly; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 14, 20263.65%▲ from 3.55% Sep 22, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA/1 Year Certificate	3.59%	3.65%	1 Year
Min Deposit $500 Details Compounded Monthly; Individual Retirement Account; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 10, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA/3 Year Certificate	3.59%	3.65%	3 Year
Min Deposit $500 Details Compounded Monthly; Individual Retirement Account; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 10, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 Month Share Certificates	3.45%	3.50%	6-Month
Min Deposit $500 Details Compounded Monthly; Minimum initial deposit is $500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45% Oct 14, 20263.50%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Savings Rates

Product	Rate	APY
Easy Save Savings	4.91%	5.00%
Min Balance $0 Details Balance: $0 - $500; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Youth Membership Savings	1.99%	2.00%
Min Balance $0 Details Balance: $0 - $500; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Youth Membership Savings	-	2.00%
Min Deposit $5 Details Rate printed as Up to 2% APY; Dividends: Compounded Quarterly; Withdrawals Allowed: 6 monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Enhanced Savings with Member Rewards	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $249,999; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Enhanced Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $249,999; Compounded Monthly; Money Market Account Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Holiday Savings	0.20%	0.20%
Min Balance $100 Details Balance: $100 - $2,499; Compounded Annually Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Easy Save Savings	0.10%	0.10%
Min Balance $501 Details Balance: $501+; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Enhanced Savings	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000+; Compounded Monthly; Money Market Account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Holiday Savings	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500+; Compounded Annually Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Membership Savings, Additional Savings	0.10%	0.10%
Min Balance $100 Details Balance: $100+; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
ROTH IRA Savings	0.10%	0.10%
Details Compounded Monthly; Individual Retirement Account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Traditional IRA Savings	0.10%	0.10%
Details Compounded Monthly; Individual Retirement Account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Youth Membership Savings	0.10%	0.10%
Min Balance $501 Details Balance: $501+; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Holiday Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99; Compounded Annually Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Membership Savings, Additional Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99; Compounded Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.20%
Min Deposit $2,500 Details Up to rate; Dividends compounded monthly; Withdrawals allowed: 6 monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Checking Rates

Product	Rate	APY
Simply Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 and over; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Youth Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 and over; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Simply Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $4,999; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Youth Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $4,999; Compounded Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.74%	60 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 5.74% → 5.74% ▼ 0.00 pts · high 5.99% / low 5.74% Oct 19, 20265.74%▼ from 5.99% Oct 10, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	5.99%	60 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 10, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	6.24%	180 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 10, 20266.24%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	6.49%	120 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 10, 20266.49%▲ from 6.24% Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	6.74%	180 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 10, 20266.74%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	6.99%	60 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 10, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	7.24%	120 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 10, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	7.49%	60 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 10, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	7.74%	120 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 10, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity Loan	-	-	7.99%	180 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 10, 20267.99%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.24%	1-42 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 10, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	5.49%	43-66 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 10, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	5.74%	67-78 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 10, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	5.99%	1-42 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.99% ▲ 1.00 pts · high 5.99% / low 4.99% Oct 10, 20265.99%▲ from 5.74% Sep 18, 20265.74%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	5.99%	79-84 months
Details Credit Grade: Excellent Credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 5.99% ▼ 0.50 pts · high 6.49% / low 5.74% Oct 10, 20265.99%▲ from 5.74% Sep 18, 20265.74%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	6.24%	43-66 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 10, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	6.49%	67-78 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 10, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	6.74%	79-84 months
Details Credit Grade: Good Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 10, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	6.99%	1-42 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 10, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	7.24%	43-66 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 10, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	7.49%	67-78 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 10, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	7.74%	79-84 months
Details Credit Grade: Average Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 10, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	9.24%	1-42 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 10, 20269.24%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	9.49%	43-66 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Oct 10, 20269.49%▲ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	9.99%	67-78 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74% Oct 10, 20269.99%▲ from 9.74% Sep 14, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	10.99%	79-84 months
Details Credit Grade: Fair Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74% Oct 10, 202610.99%▲ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	12.74%	1-42 months
Details Credit Grade: Marginal Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 10, 202612.74%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	12.99%	43-66 months
Details Credit Grade: Marginal Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.74% → 12.99% ▲ 0.25 pts · high 12.99% / low 12.74% Oct 10, 202612.99%▲ from 12.74% Sep 14, 202612.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	14.24%	67-78 months
Details Credit Grade: Marginal Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Oct 10, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	15.99%	79-84 months
Details Credit Grade: Marginal Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 15.99% ▲ 0.25 pts · high 15.99% / low 15.74% Oct 10, 202615.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	17.99%	67-78 months
Details Credit Grade: Poor Credit Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 13.99% → 17.99% ▲ 4.00 pts · high 17.99% / low 13.99% Oct 14, 202617.99%▲ from 14.24% Oct 10, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto Loan	-	-	17.99%	79-84 months
Details Credit Grade: Poor Credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 17.99% ▲ 2.25 pts · high 17.99% / low 15.74% Sep 18, 202617.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, ATV, Personal Water Craft Loan	-	6.74%	1-42 months
Details Credit Grade: Excellent Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	7.24%	1-42 months
Details Credit Grade: Excellent Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Motorcycle, ATV, Personal Water Craft Loan	-	7.24%	1-42 months
Details Credit Grade: Good Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	7.74%	1-42 months
Details Credit Grade: Good Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.74% ▲ 0.50 pts · high 7.74% / low 7.24% Sep 22, 20267.74%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	7.74%	43-66 months
Details Credit Grade: Excellent Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Motorcycle, ATV, Personal Water Craft Loan	-	7.74%	1-42 months
Details Credit Grade: Average Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	7.99%	67-84 months
Details Credit Grade: Excellent Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.24%	1-42 months
Details Credit Grade: Average Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 8.24% ▲ 1.00 pts · high 8.24% / low 7.24% Sep 22, 20268.24%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.24%	43-66 months
Details Credit Grade: Good Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74% Sep 22, 20268.24%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.24%	85-120 months
Details Credit Grade: Excellent Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.49%	67-84 months
Details Credit Grade: Good Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99% Sep 22, 20268.49%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.74%	43-66 months
Details Credit Grade: Average Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 8.74% ▲ 1.00 pts · high 8.74% / low 7.74% Sep 22, 20268.74%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.74%	85-120 months
Details Credit Grade: Good Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24% Sep 22, 20268.74%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	8.99%	67-84 months
Details Credit Grade: Average Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.99% ▲ 1.00 pts · high 8.99% / low 7.99% Sep 22, 20268.99%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	9.24%	85-120 months
Details Credit Grade: Average Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 9.24% ▲ 1.00 pts · high 9.24% / low 8.24% Sep 22, 20269.24%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	9.24%	121-180 months
Details Credit Grade: Excellent Credit; Applies to loan amounts over $50k; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	9.74%	121-180 months
Details Credit Grade: Good Credit; Applies to loan amounts over $50k; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 9.24% → 9.74% ▲ 0.50 pts · high 9.74% / low 9.24% Sep 27, 20269.74%▲ from 9.24% Sep 18, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	10.24%	121-180 months
Details Credit Grade: Average Credit; Applies to loan amounts over $50k; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 9.24% → 10.24% ▲ 1.00 pts · high 10.24% / low 9.24% Sep 27, 202610.24%▲ from 9.24% Sep 18, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	10.74%	1-42 months
Details Credit Grade: Fair Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 10.74% ▲ 3.50 pts · high 10.74% / low 7.24% Sep 22, 202610.74%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	11.24%	43-66 months
Details Credit Grade: Fair Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 11.24% ▲ 3.50 pts · high 11.24% / low 7.74% Sep 22, 202611.24%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	11.49%	67-84 months
Details Credit Grade: Fair Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 11.49% ▲ 3.50 pts · high 11.49% / low 7.99% Sep 22, 202611.49%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	12.24%	85-120 months
Details Credit Grade: Fair Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 12.24% ▲ 4.00 pts · high 12.24% / low 8.24% Sep 22, 202612.24%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	13.24%	121-180 months
Details Credit Grade: Fair Credit; Applies to loan amounts over $50k; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 9.24% → 13.24% ▲ 4.00 pts · high 13.24% / low 9.24% Sep 27, 202613.24%▲ from 9.24% Sep 18, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	13.99%	1-42 months
Details Credit Grade: Marginal Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 13.99% ▲ 6.75 pts · high 13.99% / low 7.24% Sep 22, 202613.99%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	14.74%	43-66 months
Details Credit Grade: Marginal Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 14.74% ▲ 7.00 pts · high 14.74% / low 7.74% Sep 22, 202614.74%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	15.24%	67-84 months
Details Credit Grade: Marginal Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 15.24% ▲ 7.25 pts · high 15.24% / low 7.99% Sep 22, 202615.24%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	16.24%	85-120 months
Details Credit Grade: Marginal Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 16.24% ▲ 8.00 pts · high 16.24% / low 8.24% Sep 22, 202616.24%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	17.99%	1-42 months
Details Credit Grade: Poor Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 17.99% ▲ 10.75 pts · high 17.99% / low 7.24% Sep 22, 202617.99%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Boats, RV, Trailers, Campers Loan	-	17.99%	43-66 months
Details Credit Grade: Poor Credit; .25% APR discount with previous TXDPSCU loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 17.99% ▲ 10.25 pts · high 17.99% / low 7.74% Sep 22, 202617.99%▲ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Credit Card Rates

Product	Rate	APR
Visa Empower Card	-	8.99%
Details APR range: 8.99% - 17.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Visa Enhanced Rewards Card	-	12.99%
Details APR range: 12.99% - 17.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Visa Evolve Secured Card	-	14.99%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle, ATV, Personal Water Craft Loan	6.74%	1-42 months
Details Credit Grade: Excellent Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Motorcycle, ATV, Personal Water Craft Loan	7.24%	1-42 months
Details Credit Grade: Good Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Motorcycle, ATV, Personal Water Craft Loan	7.74%	1-42 months
Details Credit Grade: Average Credit; .25% APR discount for previous TXDPSCU loan; units over 7 years old and/or over 100,000 miles subject to rate increase Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Line of Credit	10.99%
Details Credit Grade: Excellent Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 1-12 months	10.99%	1-12 months
Details Credit tier: Good Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	10.99%	13-36 months
Details Credit tier: Excellent Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	11.99%	13-36 months
Details Credit tier: Good Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 37-60 months	11.99%	37-60 months
Details Credit tier: Excellent Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Line of Credit	12.99%
Details Credit Grade: Good Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 1-12 months	12.99%	1-12 months
Details Credit tier: Average Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 37-60 months	12.99%	37-60 months
Details Credit tier: Good Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	13.99%	13-36 months
Details Credit tier: Average Credit (APR) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 13.99% ▲ 2.00 pts · high 13.99% / low 11.99% Oct 19, 202613.99%▲ from 11.99%* Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Line of Credit	14.99%
Details Credit Grade: Average Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 1-12 months	14.99%	1-12 months
Details Credit tier: Fair Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 37-60 months	14.99%	37-60 months
Details Credit tier: Average Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	15.49%	13-36 months
Details Credit tier: Fair Credit (APR) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 17.99% → 15.49% ▼ 2.50 pts · high 17.99% / low 15.49% Oct 19, 202615.49%▼ from 17.99%* Sep 14, 202617.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 37-60 months	15.99%	37-60 months
Details Credit tier: Fair Credit (APR) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 14.99% → 15.99% ▲ 1.00 pts · high 15.99% / low 14.99% Oct 19, 202615.99%▲ from 14.99%* Sep 14, 202614.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Line of Credit	16.99%
Details Credit Grade: Fair Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 1-12 months	16.99%	1-12 months
Details Credit tier: Marginal Credit (APR) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 17.99% → 16.99% ▼ 1.00 pts · high 17.99% / low 16.99% Oct 19, 202616.99%▼ from 17.99%* Sep 14, 202617.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	17.49%	13-36 months
Details Credit tier: Marginal Credit (APR) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 17.99% → 17.49% ▼ 0.50 pts · high 17.99% / low 17.49% Oct 19, 202617.49%▼ from 17.99%* Sep 14, 202617.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Line of Credit	17.99%
Details Credit Grade: Marginal Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 1-12 months	17.99%	1-12 months
Details Credit tier: Poor Credit (APR*); Personal loans over $10,000 are subject to a rate increase. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 13-36 months	17.99%	13-36 months
Details Credit tier: Poor Credit (APR*); Personal loans over $10,000 are subject to a rate increase. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loans - 37-60 months	17.99%	37-60 months
Details Credit tier: Marginal Credit (APR*) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

Texas DPS Credit Union Other Rates

Product	Rate	Points	APY/APR
IRAs	-	-	3.70%
Min Deposit $500 Details Rate printed as 'Up to 3.70% APY'; Dividends compounded monthly; Withdrawals allowed: at time of maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 3.70% ▲ 3.30 pts · high 3.70% / low 0.40% Oct 19, 20263.70%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRAs	-	-	0.40%
Min Deposit $500 Details Rate printed as Up to 0.40% APY; Dividends: Compounded Monthly; Withdrawals Allowed: At Time of Maturity Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

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

Texas DPS Credit Union’s Texas Ratio fell from 1.36% in Q3 2023 to 0.67% in Q2 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
June 30, 2026	$98M	0.67%	5.0	A+
March 31, 2026	$100M	2.04%	5.0	A+
December 31, 2025	$99M	4.22%	5.0	A+
September 30, 2025	$100M	3.40%	5.0	A+
June 30, 2025	$98M	0.83%	5.0	A+
March 31, 2025	$99M	0.88%	5.0	A+
December 31, 2024	$98M	1.78%	5.0	A+
September 30, 2024	$95M	4.69%	5.0	A+
June 30, 2024	$95M	4.46%	5.0	A+
March 31, 2024	$97M	0.43%	5.0	A+
December 31, 2023	$97M	1.34%	5.0	A+
September 30, 2023	$98M	1.36%	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 Texas DPS 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 Texas DPS 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 Texas DPS Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texas DPS Credit Union

Website https://www.txdpscu.org

Address 621 W Saint Johns Ave, Austin, TX 78752-2315

Phone 512-452-5211

Fax 512-459-3533

President David Outon

CEO Monique Quarrells

Full-Time Employees 20

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

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

0.67%

Return on Assets (ROA)

0.3040%

Return on Equity (ROE)

2.4352%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

98,098,427

Total Amount of Shares and Deposits

85,192,935

Total Shares and Deposits < 1 Year

79,181,083

Total Shares and Deposits 1 3 Years

6,011,853

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

6,579,065

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

6,579,065

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

78,613,870

Total Interest Expense (Sum of items 6 8)

228,300

Share Certificates

352

Number of Accounts for Share Drafts

2,874

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,025

All other shares

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)

3,854,951

Total Liabilities

85,603,222

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Texas DPS Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Texas DPS Credit Union

Does Texas DPS Credit Union offer CDs?

Yes. Texas DPS Credit Union current CD rates include its 2 Year CDs at 3.70% APY, its IRA/2 Year CD at 3.70% APY and its 1 Year CDs at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Texas DPS Credit Union NCUA insured?

Yes. Texas DPS Credit Union 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 Texas DPS Credit Union?

The highest Texas DPS Credit Union CD rate is its 2 Year CDs at 3.70% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Texas DPS Credit Union offer?

Texas DPS Credit Union CD rates are 3.50% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.70% APY for a 2 year CD and 3.65% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas DPS Credit Union for its full lineup.

What is the highest savings rate at Texas DPS Credit Union?

The highest Texas DPS Credit Union savings rate is its Easy Save Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Texas DPS Credit Union?

The highest Texas DPS Credit Union money market rate is its Money Market at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Texas DPS Credit Union?

The highest Texas DPS Credit Union checking rate is its Simply Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Texas DPS Credit Union?

The lowest Texas DPS Credit Union auto loan rate is its Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Texas DPS Credit Union?

The lowest Texas DPS Credit Union personal loan rate is its Motorcycle, ATV, Personal Water Craft Loan at 6.74% APR, verified by MonitorBankRates as of October 30, 2026. Texas DPS Credit Union personal loan rates are 10.99% APR for a 12 month personal loan, 10.99% APR for a 36 month personal loan and 11.99% APR for a 60 month personal loan.

What is the lowest credit card APR at Texas DPS Credit Union?

The lowest Texas DPS Credit Union credit card APR is its Visa Empower Card Credit Card at 8.99% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Texas DPS Credit Union operate?

Texas DPS 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 Texas DPS Credit Union?

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

Does Texas DPS Credit Union offer online and mobile banking?

Most modern institutions like Texas DPS 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.txdpscu.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 Texas DPS Credit Union rates compare?

Texas DPS Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. Texas DPS Credit Union's top rates are its 2 Year CDs at 3.70% APY, its Easy Save Savings at 5.00% APY, its Money Market at 0.20% APY, its Simply Checking at 0.05% APY, its Motorcycle, ATV, Personal Water Craft Loan at 6.74% APR and its Visa Empower Card Credit Card at 8.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Texas DPS Credit Union Rates

12-Month CD3.65%
24-Month CD3.70%
Savings5.00%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Texas DPS Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texas DPS Credit Union Texas Ratio

Texas DPS Credit Union Health Trend

Texas DPS Credit Union CD Rates

Texas DPS Credit Union Savings Rates

Texas DPS Credit Union Money Market Rates

Texas DPS Credit Union Checking Rates

Texas DPS Credit Union Home Equity & HELOC

Texas DPS Credit Union Auto Loan Rates

Texas DPS Credit Union RV, Boat and Powersport Loan Rates

Texas DPS Credit Union Credit Card Rates

Texas DPS Credit Union Personal Loan Rates

Texas DPS Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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Texas DPS Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Texas DPS Credit Union

Does Texas DPS Credit Union offer CDs?

Are CDs from Texas DPS Credit Union NCUA insured?

What is the highest CD rate at Texas DPS Credit Union?

What CD terms does Texas DPS Credit Union offer?

What is the highest savings rate at Texas DPS Credit Union?

What is the highest money market rate at Texas DPS Credit Union?

What is the highest checking rate at Texas DPS Credit Union?

What is the lowest auto loan rate at Texas DPS Credit Union?

What is the lowest personal loan rate at Texas DPS Credit Union?

What is the lowest credit card APR at Texas DPS Credit Union?

How many branches does Texas DPS Credit Union operate?

Is a member application needed to join Texas DPS Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texas DPS Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Texas DPS Credit Union rates compare?

Current Texas DPS Credit Union Rates

Compare to Other Credit Unions