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Texell Credit Union

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Texell Credit Union Rates & Review November 2026

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

Current rates for Texell Credit Union include: 12-Month CD: 4.15%, 18-Month CD: 4.10%, 24-Month CD: 4.05%, 60-Month CD: 3.20%, Savings: 2.00%, MMA: 3.25%

Q: What CD terms does Texell Credit Union offer?

Texell Credit Union CD rates are 4.15% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.05% APY for a 2 year CD and 3.20% APY for a 5 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 Texell Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Texell Credit Union's 12 Month Term CD rates are at 4.15%, CD of Deposit - 12-month rates are at 4.15%, 18 Month Term CD rates are at 4.10%, CD of Deposit - 18-month rates are at 4.10%, 24 Month Term CD rates are at 4.05%. Texell Credit Union's savings rates are at 2.00%. Texell Credit Union's money market rates are at 3.25%. Texell Credit Union's checking rates are as high as 0.30%. Texell Credit Union's 15-year Fixed Purchase rates are at 6.13%, Jumbo Fixed 15-Year Purchase rates are at 6.38%, Jumbo ARM 7/6 Arm Purchase rates are at 7.00%, USDA 30-year Fixed purchase rates are at 6.38%, VA 15-year Fixed Purchase rates are at 6.63%. Texell Credit Union's Personal Loan Rates are as low as 9.74%. Texell Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Texell Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.98%. Rates last updated and verified on 10/30/2026.

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

3.98%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Texell Credit Union
Corporate Headquarters

7083 MEMBERS PKWY
TEMPLE, TX 76502

https://www.texell.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.

Texell Credit Union CD Rates

Product	Rate	APY	Term
12 Month Term Share Certificate	-	4.15%	12-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 12-month	-	4.15%	12-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
18 Month Term Share Certificate	-	4.10%	18-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05% Oct 26, 20264.10%▲ from 4.05% Oct 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 18-month	-	4.10%	18-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05% Oct 26, 20264.10%▲ from 4.05% Oct 19, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
24 Month Term Share Certificate	-	4.05%	24-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 24-month	-	4.05%	24-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 26, 20264.05%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 6-month	-	3.95%	6-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 26, 20263.95%▲ from 3.70% Oct 19, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Term Share Certificate - 6-Month	-	3.95%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Prospective Annual % Yield; Minimum daily balance to earn dividends: $1,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
36 Month Term Share Certificate	-	3.30%	36-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 36-month	-	3.30%	36-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Term Share Certificate - 1-MONTH	-	3.25%	1-MONTH
Min Deposit $250,000 Min Balance $250,000 Details Prospective Annual % Yield; Minimum daily balance to earn dividends: $250,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
60 Month Term Share Certificate	-	3.20%	60-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 60-month	-	3.20%	60-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
48 Month Term Share Certificate	-	3.15%	48-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Certificate of Deposit - 48-month	-	3.15%	48-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to avoid service charge: $0; Also applies to IRA Term Share Certificates; Penalty for early withdrawal; Rates effective as of 10/22/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Term Share Certificate - 4-month	-	3.00%	4-month
Min Deposit $5,000 Min Balance $5,000 Details Prospective Annual % Yield; Minimum daily balance to earn dividends: $5,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	2.00%
Min Deposit $5 Min Balance $500 Details Minimum HSA daily balance to earn dividends is $500; Dividends paid monthly; Rates effective 10/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
IRA Savings	-	1.10%
Min Deposit $5 Min Balance $100 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Dollar Squad Savings	-	1.00%
Min Deposit $5 Min Balance $5 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Thr!ve Savings	-	1.00%
Min Deposit $5 Min Balance $5 Details Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	3.25%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000 +; Minimum Daily Balance to Earn Dividends: $500,000; Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	2.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Earn Dividends: $100,000; Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.95% → 2.50% ▲ 0.55 pts · high 2.50% / low 1.95% Oct 19, 20262.50%▲ from 1.95% Sep 14, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	2.30%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000+; Minimum to avoid service charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.95%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Minimum to avoid service charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.30%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Minimum to avoid service charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.25%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $99,999.99; Minimum Daily Balance to Earn Dividends: $2,500; Minimum to Avoid Service Charge: $0 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.25% ▲ 0.10 pts · high 1.25% / low 1.15% Oct 19, 20261.25%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $49,999.99; Minimum to avoid service charge: $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Checking Rates

Product	Rate	APY
Choice Advantage Checking	-	0.30%
Min Deposit $15 Min Balance $50,000 Details Balance: $50,000 or greater; Minimum Daily Balance to Earn Dividends: $50,000; Minimum to Avoid Service Charge: $10,000; Rates effective 11/1/2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Advantage Checking	-	0.20%
Min Deposit $15 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Minimum Daily Balance to Earn Dividends: $25,000; Minimum to Avoid Service Charge: $10,000; Rates effective 11/1/2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Advantage Checking	-	0.15%
Min Deposit $15 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Minimum Daily Balance to Earn Dividends: $10,000; Minimum to Avoid Service Charge: $10,000; Rates effective 11/1/2024 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Plus Checking	-	0.10%
Min Deposit $15 Min Balance $500 Details Balance: $500 minimum daily balance to earn dividends; Minimum to Avoid Service Charge: $500; Checking rates effective 11/1/2024 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: 3.98%
Thr!ve Checking	-	0.10%
Min Deposit $0 Min Balance $500 Details Balance: $500.01 or greater 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: 3.98%

Texell Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-year Fixed Purchase	6.13%	0.00%	6.30%	15-year
Details Lender Fee: 0.50%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 6.30% → 6.30% ▼ 0.00 pts · high 6.67% / low 6.17% Oct 30, 20266.30%▼ from 6.42% Oct 19, 20266.42%▼ from 6.55% Oct 10, 20266.55%▼ from 6.67% Oct 2, 20266.67%▲ from 6.55% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Jumbo Fixed 15-Year Purchase	6.38%	0.00%	6.49%	180 months
Details Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49% Oct 30, 20266.49%▼ from 6.74% Oct 19, 20266.74%▼ from 6.99% Oct 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Jumbo ARM 7/6 Arm Purchase	7.00%	0.00%	6.82%	180 months
Details Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.95% → 6.82% ▼ 0.13 pts · high 6.95% / low 6.82% Oct 30, 20266.82%▼ from 6.95% Oct 14, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
USDA 30-year Fixed purchase	6.38%	0.00%	6.88%	30-year
Details Lender Fee: 0.00%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 7.38% / low 6.63% Oct 30, 20266.88%▼ from 6.99% Oct 19, 20266.99%▼ from 7.00% Oct 14, 20267.00%▼ from 7.13% Oct 10, 20267.13%▼ from 7.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
VA 15-year Fixed Purchase	6.63%	0.00%	6.91%	15-year
Details Lender Fee: 0.00%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.53% → 6.91% ▲ 0.38 pts · high 7.24% / low 6.53% Oct 30, 20266.91%▼ from 7.10% Oct 19, 20267.10%▼ from 7.12% Oct 14, 20267.12%▼ from 7.14% Oct 10, 20267.14%▼ from 7.20% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30-year Fixed PUrchase	6.88%	0.00%	6.98%	30-year
Details Lender Fee: 0.50%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.73% → 6.98% ▲ 0.25 pts · high 7.36% / low 6.73% Oct 30, 20266.98%▼ from 7.11% Oct 19, 20267.11%▼ from 7.24% Oct 14, 20267.24%▼ from 7.36% Oct 2, 20267.36%▲ from 7.24% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Jumbo Fixed Purchase 30-Year Purchase	7.00%	0.00%	7.07%	360 months
Details Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option Last Updated 10/30/2026 Rate History 3 changes since Oct 14, 2026 · 7.45% → 7.07% ▼ 0.38 pts · high 7.45% / low 7.07% Oct 30, 20267.07%▼ from 7.19% Oct 26, 20267.19%▼ from 7.32% Oct 19, 20267.32%▼ from 7.45% Oct 14, 20267.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
FHA 15-year Fixed purchase	6.63%	0.25%	7.17%	15-year
Details Lender Fee: 0.00%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 7.13% → 7.17% ▲ 0.04 pts · high 7.41% / low 7.13% Oct 30, 20267.17%▼ from 7.38% Oct 14, 20267.38%▼ from 7.41% Oct 10, 20267.41%▲ from 7.36% Oct 2, 20267.36%▼ from 7.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
VA 30-year Fixed PUrchase	6.99%	0.00%	7.17%	30-year
Details Lender Fee: 0.00%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 6.93% → 7.17% ▲ 0.24 pts · high 7.56% / low 6.93% Oct 30, 20267.17%▼ from 7.43% Oct 14, 20267.43%▼ from 7.56% Oct 1, 20267.56%▲ from 7.17% Sep 27, 20267.17%▲ from 6.93% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Investment Property 15-year Fixed Purchase	7.00%	0.00%	7.18%	15-year
Details Lender Fee: 0.50%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.55% / low 6.80% Oct 30, 20267.18%▼ from 7.43% Oct 19, 20267.43%▼ from 7.55% Oct 2, 20267.55%▲ from 7.43% Sep 27, 20267.43%▲ from 7.18% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
FHA 30-year Fixed purchase	6.88%	0.00%	7.46%	30-year
Details Lender Fee: 0.00%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 7.07% → 7.46% ▲ 0.39 pts · high 7.85% / low 7.07% Oct 30, 20267.46%▼ from 7.72% Oct 10, 20267.72%▼ from 7.85% Oct 2, 20267.85%▲ from 7.72% Oct 1, 20267.72%▲ from 7.58% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Investment Property 30-year Fixed Purchase	7.38%	0.00%	7.49%	30-year
Details Lender Fee: 0.50%; Mortgage rates effective 10/29/2026 Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 8.12% / low 7.11% Oct 30, 20267.49%▼ from 7.61% Oct 19, 20267.61%▼ from 7.74% Oct 10, 20267.74%▼ from 8.12% Oct 2, 20268.12%▲ from 7.74% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5-year Fixed (1st Lien)	-	-	5.49%	5-year
Details As Low As; 1st Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 26, 20265.49%▲ from 5.24% Oct 19, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 10-year Fixed (1st Lien)	-	-	5.74%	10-year
Details As Low As; 1st Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 26, 20265.74%▲ from 5.49% Oct 19, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 15-year Fixed (1st Lien)	-	-	5.99%	15-year
Details As Low As; 1st Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 26, 20265.99%▲ from 5.74% Oct 19, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 20-year Fixed (1st Lien)	-	-	6.49%	20-year
Details As Low As; 1st Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 26, 20266.49%▲ from 6.24% Oct 19, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 5-year Fixed (2nd Lien)	-	-	6.49%	5-year
Details As Low As; 2nd Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 26, 20266.49%▲ from 6.24% Oct 19, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 10-year Fixed (2nd Lien)	-	-	6.74%	10-year
Details As Low As; 2nd Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 26, 20266.74%▲ from 6.49% Oct 19, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan - 15-year Fixed (2nd Lien)	-	-	6.99%	15-year
Details As Low As; 2nd Lien APR; Examples based on $150,000 loan, 80% LTV, 780+ FICO; Rates effective 10/25/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 26, 20266.99%▲ from 6.74% Oct 19, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.24%	36-month
Details As Low As; based on credit score of 740+; subject to credit approval Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 26, 20264.24%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	4.49%	60-month
Details As Low As; based on credit score of 740+; subject to credit approval Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 26, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	4.74%	72-month
Details As Low As; based on credit score of 740+; subject to credit approval Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 26, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	4.74%	36-month
Details As Low As; Rates based on a credit score of 740+; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 26, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	4.99%	60-month
Details As Low As; Rates based on a credit score of 740+; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	5.24%	72-month
Details As Low As; Rates based on a credit score of 740+; Existing Texell loans not eligible for refinance 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 26, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	5.74%	84-month
Details As Low As; based on credit score of 740+; subject to credit approval 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 26, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	6.24%	84-month
Details As Low As; Rates based on a credit score of 740+; Existing Texell loans not eligible for refinance 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 26, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & Motorcycles Loan	-	6.99%	36-month
Details As Low As; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	6.99%	60-month
Details As Low As; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
RV Loan - 36-month	-	6.99%	36-month
Details As Low As; Estimated Payment:; Credit score 740+ required for as low as rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
RV Loan - 60-month	-	6.99%	60-month
Details As Low As; Estimated Payment:; Credit score 740+ required for as low as rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	7.49%	72-month
Details As Low As; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
RV Loan - 84-month	-	7.49%	84-month
Details As Low As; Estimated Payment:; Credit score 740+ required for as low as rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	7.99%	120 months
Details Term: 120-month (boat only); As Low As; Boat only; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
RV Loan - 120-month	-	7.99%	120-month
Details As Low As; Estimated Payment:; Credit score 740+ required for as low as rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 36-month	-	8.49%	36-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 60-month	-	8.49%	60-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 72-month	-	8.74%	72-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	8.99%	180 months
Details Term: 180-month (boat only); As Low As; Boat only; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
RV Loan - 180-month	-	8.99%	180-month
Details As Low As; Estimated Payment:; Credit score 740+ required for as low as rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 84-month	-	9.24%	84-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 96-month	-	9.74%	96-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment - 120-month	-	10.24%	120-month
Details As Low As; Estimated Payment:; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 12-month	9.74%	12-month
Details As Low As; Rates based on credit score of 740+ and include discounts for credit life/disability insurance; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49% Oct 26, 20269.74%▲ from 9.49% Oct 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans - 24-month	9.74%	24-month
Details As Low As; Rates based on credit score of 740+ and include discounts for credit life/disability insurance; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49% Oct 26, 20269.74%▲ from 9.49% Oct 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans - 48-month	10.24%	48-month
Details As Low As; Rates based on credit score of 740+ and include discounts for credit life/disability insurance; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Oct 26, 202610.24%▲ from 9.99% Oct 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans - 72-month	11.74%	72-month
Details As Low As; Rates based on credit score of 740+ and include discounts for credit life/disability insurance; Existing Texell loans not eligible for refinance Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 26, 202611.74%▲ from 11.49% Oct 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First-time Homebuyer 15-Year Purchase Loan	6.50%	0.00%	6.67%	180 months
Details Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option Last Updated 10/30/2026 Rate History 3 changes since Oct 14, 2026 · 7.18% → 6.67% ▼ 0.51 pts · high 7.18% / low 6.67% Oct 30, 20266.67%▼ from 6.80% Oct 26, 20266.80%▼ from 6.93% Oct 19, 20266.93%▼ from 7.18% Oct 14, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
First-time Homebuyer 30-Year Purchase Loan	7.13%	0.00%	7.24%	360 months
Details Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 7.49% → 7.24% ▼ 0.25 pts · high 7.49% / low 7.24% Oct 26, 20267.24%▼ from 7.49% Oct 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Rapid Refinance	-	-	6.75%
Details As Low As; Low, fixed rates starting at 6.75% APR; $0 closing costs; No escrow required; Loans from $40,000 to $510,400; 80% maximum loan-to-value (LTV); 660 minimum credit score; Maximum debt-to-income ratio of 44% Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.88% → 6.75% ▼ 0.13 pts · high 7.13% / low 6.63% Oct 26, 20266.75%▼ from 6.99% Oct 14, 20266.99%▼ from 7.00% Oct 10, 20267.00%▼ from 7.13% Oct 2, 20267.13%▲ from 7.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Family HSA	-	-	2.00%
Min Deposit $5 Min Balance $500 Details Minimum to Avoid Service Charge: $0; Prospective Annual % Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Save First Account - Enhanced APY	-	-	3.50%
Min Deposit $0 Min Balance $0 Details Up to 3.50% APY; Balance: $0 - $30,000; Earn enhanced rate only if no withdrawals or transfers from the Save First account during the dividend quarter; Maximum balance $30,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Single HSA	-	-	2.00%
Min Deposit $5 Min Balance $500 Details Minimum to Avoid Service Charge: $0; Prospective Annual % Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

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

Texell Credit Union’s Texas Ratio fell from 5.46% in Q3 2023 to 3.98% in Q2 2026, so its financial health has improved and is now 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; 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	$801M	3.98%	5.0	A+
March 31, 2026	$791M	3.41%	5.0	A+
December 31, 2025	$774M	3.22%	5.0	A+
September 30, 2025	$771M	3.19%	5.0	A+
June 30, 2025	$766M	4.35%	5.0	A+
March 31, 2025	$769M	3.58%	5.0	A+
December 31, 2024	$752M	4.17%	5.0	A+
September 30, 2024	$753M	9.05%	5.0	A
June 30, 2024	$727M	6.08%	5.0	A
March 31, 2024	$694M	6.34%	5.0	A
December 31, 2023	$690M	6.22%	5.0	A
September 30, 2023	$686M	5.46%	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 Texell 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 Texell 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 Texell Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texell Credit Union

Website https://www.texell.org

Address 7083 MEMBERS PKWY, TEMPLE, TX 76502

Phone 254-773-1604

Fax

President Kenneth Gaby

CEO Tony Hale

Full-Time Employees 209

Part-Time Employees 1

Branch Locations 8

ATM Locations 8

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

3.98%

Return on Assets (ROA)

0.6574%

Return on Equity (ROE)

6.2725%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

801,027,456

Total Amount of Shares and Deposits

699,985,259

Total Shares and Deposits < 1 Year

648,834,574

Total Shares and Deposits 1 3 Years

46,729,318

Total Shares and Deposits > 3 Years

4,421,366

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

61,828,690

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

61,828,690

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

638,156,569

Total Interest Expense (Sum of items 6 8)

6,445,198

Share Certificates

5,336

Number of Accounts for Share Drafts

38,458

IRA KEOGH Accounts

1,123

Number of Accounts for Regular Shares

62,330

All other shares

290

Non Member Deposits

Money Market Shares

1,543

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

5,266,191

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)

47,179,459

Total Liabilities

717,076,685

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Texell 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.

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       width="160" height="160">
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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 Texell Credit Union

Does Texell Credit Union offer CDs?

Yes. Texell Credit Union current CD rates include its 12 Month Term CD at 4.15% APY, its CD of Deposit - 12-month at 4.15% APY and its 18 Month Term CD at 4.10% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Texell Credit Union NCUA insured?

Yes. Texell 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 Texell Credit Union?

The highest Texell Credit Union CD rate is its 12 Month Term CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Texell Credit Union offer?

Texell Credit Union CD rates are 4.15% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.05% APY for a 2 year CD and 3.20% APY for a 5 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 Texell Credit Union for its full lineup.

What is the highest savings rate at Texell Credit Union?

The highest Texell Credit Union savings rate is its Health Savings Account at 2.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Texell Credit Union?

The highest Texell Credit Union money market rate is its Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Texell Credit Union?

The highest Texell Credit Union checking rate is its Choice Advantage Checking at 0.30% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Texell Credit Union?

The lowest Texell Credit Union 30 year fixed mortgage rate is its USDA 30-year Fixed purchase at 6.38%, verified by MonitorBankRates as of October 30, 2026. Texell Credit Union mortgage rates are 6.88% for a 30 year mortgage, 6.13% for a 15 year mortgage and 7.00% for a 7/6 ARM.

What is the lowest auto loan rate at Texell Credit Union?

The lowest Texell Credit Union auto loan rate is its New Auto at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Texell Credit Union?

The lowest Texell Credit Union personal loan rate is its Personal Loans - 12-month at 9.74% APR, verified by MonitorBankRates as of October 30, 2026. Texell Credit Union personal loan rates are 9.74% APR for a 12 month personal loan, 9.74% APR for a 24 month personal loan, 10.24% APR for a 48 month personal loan and 11.74% APR for a 72 month personal loan.

How many branches does Texell Credit Union operate?

Texell 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 Texell Credit Union?

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

Does Texell Credit Union offer online and mobile banking?

Most modern institutions like Texell 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.texell.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 Texell Credit Union rates compare?

Texell Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Texell Credit Union's top rates are its 12 Month Term CD at 4.15% APY, its Health Savings Account at 2.00% APY, its Money Market at 3.25% APY, its Choice Advantage Checking at 0.30% APY, its 15-year Fixed Purchase at 6.13% and its Personal Loans - 12-month at 9.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Texell Credit Union Rates

12-Month CD4.15%
18-Month CD4.10%
24-Month CD4.05%
60-Month CD3.20%
Savings2.00%
MMA3.25%

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

Compare to Other Credit Unions

Texell Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texell Credit Union Texas Ratio

Texell Credit Union Health Trend

Texell Credit Union CD Rates

Texell Credit Union Savings Rates

Texell Credit Union Money Market Rates

Texell Credit Union Checking Rates

Texell Credit Union Mortgage Rates

Texell Credit Union Home Equity & HELOC

Texell Credit Union Auto Loan Rates

Texell Credit Union RV, Boat and Powersport Loan Rates

Texell Credit Union Personal Loan Rates

Texell Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texell Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texell Credit Union

Does Texell Credit Union offer CDs?

Are CDs from Texell Credit Union NCUA insured?

What is the highest CD rate at Texell Credit Union?

What CD terms does Texell Credit Union offer?

What is the highest savings rate at Texell Credit Union?

What is the highest money market rate at Texell Credit Union?

What is the highest checking rate at Texell Credit Union?

What is the lowest 30 year fixed mortgage rate at Texell Credit Union?

What is the lowest auto loan rate at Texell Credit Union?

What is the lowest personal loan rate at Texell Credit Union?

How many branches does Texell Credit Union operate?

Is a member application needed to join Texell Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texell 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 Texell Credit Union rates compare?

Current Texell Credit Union Rates

Compare to Other Credit Unions