What are the current interest rates at Texas Trust Credit Union?

Current rates for Texas Trust Credit Union include: 12-Month CD: 3.95%, MMA: 1.66%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Texas Trust Credit Union

iAdvertiser Disclosure

Texas Trust Credit Union Rates & Review October 2026

Q: How many branches does Texas Trust Credit Union operate?

Texas Trust 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 Texas Trust Credit Union?

Yes, to access services at Texas Trust 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texas Trust 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: October 10, 2026

Texas Trust Credit Union's top rates as of October 10, 2026 are 4.40% APY on its 15-month CD Special, 1.66% APY on money market accounts, 4.00% APY on checking, personal loans from 9.99% APR, and credit cards from 13.90% APR, according to rates verified by MonitorBankRates. Other Texas Trust Credit Union CD rates include 13-month CD Special at 4.25%, 7-month CD Special at 4.15%, and 1 Year Smart Start CD at 3.95%. MonitorBankRates evaluates the financial stability of Texas Trust Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.31%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.31%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Texas Trust Credit Union
Headquarters

5850 W Interstate 20
Arlington, TX 76017

https://www.texastrustcu.org

Customer Reviews

Be the first to review

Write a Review

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 Trust Credit Union CD Rates

Product	Rate	APY	Term
15-month CD Special	-	4.40%	15-month
Min Deposit $500 Min Balance $500 Details New money required to open* Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 10, 20264.40%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
13-month CD Special	-	4.25%	13-month
Min Deposit $500 Min Balance $500 Details New money required to open* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
7-month CD Special	-	4.15%	7-month
Min Deposit $500 Min Balance $500 Details New money required to open* Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.15% ▼ 0.05 pts · high 4.20% / low 4.15% Oct 10, 20264.15%▼ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
1 Year Smart Start Share CD	-	3.95%	1 year
Min Deposit $100 Details Available to members ages 17 and younger. Interest accrued and paid monthly. Deposits can be made anytime, by anyone. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 10, 20263.95%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
1 Year Term Share CD	-	3.95%	1 year
Min Deposit $500 Details Interest accrued and paid monthly. NCUA Insured up to $250,000. Withdrawal dividends that have been paid penalty free. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65% Oct 10, 20263.95%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	1.66%
Min Balance $2,500 Details Up to 1.66% APY \| Easy Access \| $2,500 Minimum Balance. $10 service fee if minimum balance is not maintained. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Checking Rates

Product	Rate	APY
Power Checking	-	4.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 or more, up to $500,000; Monthly Service Charge: $19.95 per month OR $0 with an average daily balance of $5,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 10, 20264.00%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Bonus Checking	-	0.15%
Min Deposit $25 Min Balance $25,000 Details Balance: starting at $25,000; Monthly Service Charge: $9.95 per month Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Easy Checking	-	0.05%
Min Deposit $25 Min Balance $1,000 Details Balance: starting at $1,000; Monthly Service Charge: $4.95 per month OR $0 with monthly deposits totaling $250 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.24%
Details As Low As; Rates are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Texas Extra Credit Education Loan	-	-	2.74%
Details Fixed rate loans ranging from 2.74% (with Auto Pay Discount ) to 6.89% APR . Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 2.74% ▼ 4.15 pts · high 6.89% / low 2.74% Oct 10, 20262.74%▼ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Mastercard	-	13.90%
Details Published APR range: 13.90% - 17.90%. No Annual Fees; Standard balance transfer APR between 13.90% - 17.90% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 13.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%
Details As Low As; Rates are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Texas Trust Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loans	-	-	7.631%
Details As Low As; Rates are subject to change. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.13% → 7.63% ▲ 0.50 pts · high 7.63% / low 7.13% Oct 1, 20267.63%▲ from 7.25% Sep 18, 20267.25%▲ from 7.13% Sep 14, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
55 and Better	-	-	3.23%	15 month
Min Deposit $10,000 Details Add .01% to your base rate for every year of your age. 10 calendar days Grace Period after maturation. Withdraw dividends that have been paid without penalty. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.23% ▲ 0.33 pts · high 3.23% / low 2.90% Oct 10, 20263.23%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

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 Trust Credit Union’s Texas Ratio rose from 1.88% in Q3 2023 to 6.31% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.1B	6.31%	5.0	A
March 31, 2026	$2.1B	6.05%	5.0	A
December 31, 2025	$2.1B	7.36%	5.0	A
September 30, 2025	$2.0B	7.10%	5.0	A
June 30, 2025	$2.0B	7.00%	5.0	A
March 31, 2025	$2.0B	6.24%	5.0	A
December 31, 2024	$2.0B	6.11%	5.0	A
September 30, 2024	$2.0B	4.17%	5.0	A+
June 30, 2024	$2.0B	3.38%	5.0	A+
March 31, 2024	$2.0B	3.11%	5.0	A+
December 31, 2023	$2.0B	2.97%	5.0	A+
September 30, 2023	$2.0B	1.88%	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 Trust 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 Trust 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 Trust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texas Trust Credit Union

Website https://www.texastrustcu.org

Address 5850 W Interstate 20, Arlington, TX 76017

Phone 972-263-5171

Fax

President Larry Skinner

CEO Jim Minge

Full-Time Employees 330

Part-Time Employees 4

Branch Locations 21

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.31%

Return on Assets (ROA)

0.3002%

Return on Equity (ROE)

2.8457%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

2,112,654,492

Total Amount of Shares and Deposits

1,699,364,843

Total Shares and Deposits < 1 Year

1,620,324,651

Total Shares and Deposits 1 3 Years

74,073,472

Total Shares and Deposits > 3 Years

4,966,720

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

130,881,102

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

130,881,102

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

1,568,483,741

Total Interest Expense (Sum of items 6 8)

18,266,687

Share Certificates

11,647

Number of Accounts for Share Drafts

60,962

IRA KEOGH Accounts

2,844

Number of Accounts for Regular Shares

151,520

All other shares

Non Member Deposits

Money Market Shares

1,445

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)

121,111,432

Total Liabilities

1,904,476,040

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Texas Trust Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/texas-trust-credit-union-rates-review-68434">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Texas Trust 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 Texas Trust Credit Union

Frequently Asked Questions About Texas Trust Credit Union

How many branches does Texas Trust Credit Union operate?

Texas Trust 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 Trust Credit Union?

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

Does Texas Trust Credit Union offer online and mobile banking?

Most modern institutions like Texas Trust 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.texastrustcu.org.

Current Texas Trust Credit Union Rates

12-Month CD3.95%
MMA1.66%

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

Compare to Other Credit Unions

Texas Trust Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texas Trust Credit Union Texas Ratio

Texas Trust Credit Union Health Trend

Texas Trust Credit Union CD Rates

Texas Trust Credit Union Money Market Rates

Texas Trust Credit Union Checking Rates

Texas Trust Credit Union Auto Loan Rates

Texas Trust Credit Union Student Loan Rates

Texas Trust Credit Union Credit Card Rates

Texas Trust Credit Union Personal Loan Rates

Texas Trust Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texas Trust Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texas Trust Credit Union

How many branches does Texas Trust Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texas Trust Credit Union offer online and mobile banking?

Current Texas Trust Credit Union Rates

Compare to Other Credit Unions