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TTCU Federal Credit Union

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TTCU Federal Credit Union Rates & Review November 2026

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

Current rates for TTCU Federal Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 3.50%, 24-Month CD: 3.60%, 60-Month CD: 4.05%, Savings: 0.75%, MMA: 2.00%

Q: What CD terms does TTCU Federal Credit Union offer?

TTCU Federal Credit Union CD rates are 3.85% APY for a 12 month CD, 3.90% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.05% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with TTCU Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

TTCU Federal Credit Union's 48 Month CD rates are at 4.15%, 36 Month CD rates are at 4.10%, 24 Month CD rates are at 4.00%, 18 Month CD rates are at 3.90%, 12 Month CD rates are at 3.85%. TTCU Federal Credit Union's savings rates are at 0.75%. TTCU Federal Credit Union's money market rates are at 2.00%. TTCU Federal Credit Union's checking rates are as high as 0.15%. TTCU Federal Credit Union's Personal Loan Rates are as low as 11.24%. TTCU Federal Credit Union's Credit Card Rates are at 10.65%. TTCU Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of TTCU Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.35%. Rates last updated and verified on 10/29/2026.

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

4.35%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

TTCU Federal Credit Union
Corporate Office

9815 E 81st St
Tulsa, OK 74133

https://www.ttcu.com

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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.

TTCU Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Certificate	4.09%	4.15%	48 months
Min Deposit $200,000 Last Updated 10/29/2026 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: 4.35%
36 Month Certificate	4.04%	4.10%	36 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
60 Month Roth IRA Certificates	3.99%	4.05%	60 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60% Sep 26, 20264.05%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
60 Month Traditional IRA Certificates	3.99%	4.05%	60 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60% Sep 26, 20264.05%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
24 Month Certificate	3.94%	4.00%	24 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
48 Month Certificate	3.89%	3.95%	48 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
48 Month Roth IRA Certificates	3.89%	3.95%	48 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50% Sep 26, 20263.95%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
48 Month Traditional IRA Certificates	3.89%	3.95%	48 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50% Sep 26, 20263.95%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
18 Month Certificate	3.84%	3.90%	18 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
36 Month Certificate	3.84%	3.90%	36 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
36 Month Roth IRA Certificates	3.84%	3.90%	36 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Sep 26, 20263.90%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
36 Month Traditional IRA Certificates	3.84%	3.90%	36 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Sep 26, 20263.90%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
12 Month Certificate	3.80%	3.85%	12 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
24 Month Certificate	3.75%	3.80%	24 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
24 Month Roth IRA Certificates	3.75%	3.80%	24 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40% Sep 26, 20263.80%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
24 Month Traditional IRA Certificates	3.75%	3.80%	24 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40% Sep 26, 20263.80%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
48 Month Certificate	3.70%	3.75%	48 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
9 Month Certificate	3.70%	3.75%	9 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
18 Month Certificate	3.65%	3.70%	18 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
36 Month Certificate	3.65%	3.70%	36 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
12 Month Certificate	3.60%	3.65%	12 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
12 Month Roth IRA Certificates	3.60%	3.65%	12 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20% Sep 26, 20263.65%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
12 Month Traditional IRA Certificates	3.60%	3.65%	12 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20% Sep 26, 20263.65%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
24 Month Certificate	3.55%	3.60%	24 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
6 Month Certificate	3.55%	3.60%	6 months
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
9 Month Certificate	3.50%	3.55%	9 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
9 Month Roth IRA Certificates	3.50%	3.55%	9 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Sep 26, 20263.55%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
9 Month Traditional IRA Certificates	3.50%	3.55%	9 months
Min Deposit $1,000 Details Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Sep 26, 20263.55%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
18 Month Certificate	3.46%	3.50%	18 months
Min Deposit $1,000 Last Updated 10/29/2026 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: 4.35%
3 Month Certificate	3.46%	3.50%	3 months
Min Deposit $200,000 Last Updated 10/29/2026 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: 4.35%
12 Month Certificate	3.41%	3.45%	12 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
45 Day Certificate	3.41%	3.45%	45-Day
Min Deposit $200,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
6 Month Certificate	3.36%	3.40%	6 months
Min Deposit $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
9 Month Certificate	3.31%	3.35%	9 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
3 Month Certificate	3.26%	3.30%	3 months
Min Deposit $50,000 Last Updated 10/29/2026 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: 4.35%
45 Day Certificate	3.21%	3.25%	45-Day
Min Deposit $50,000 Last Updated 10/29/2026 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: 4.35%
6 Month Certificate	3.16%	3.20%	6 months
Min Deposit $1,000 Last Updated 10/29/2026 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: 4.35%
3 Month Certificate	3.07%	3.10%	3 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
45 Day Certificate	3.02%	3.05%	45-Day
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Savings Rates

Product	Rate	APY
Savings (Share) Accounts	0.75%	0.75%
Min Deposit $5 Min Balance $40,000 Details Balance: over $40,000; $25 minimum average balance to receive dividends Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Savings (Share) Accounts	0.55%	0.55%
Min Deposit $5 Min Balance $20,000 Details Balance: up to $40,000; $25 minimum average balance to receive dividends Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Savings (Share) Accounts	0.40%	0.40%
Min Deposit $5 Min Balance $10,000 Details Balance: up to $20,000; $25 minimum average balance to receive dividends Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Savings (Share) Accounts	0.30%	0.30%
Min Deposit $5 Min Balance $0 Details Balance: up to $10,000; $25 minimum average balance to receive dividends Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.98%	2.00%
Min Deposit $2,500 Min Balance $350,000 Details Balance: over $350,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	1.74%	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: up to $350,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	1.49%	1.50%
Min Deposit $2,500 Min Balance $200,000 Details Balance: up to $250,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	1.24%	1.25%
Min Deposit $2,500 Min Balance $150,000 Details Balance: up to $200,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	1.09%	1.10%
Min Deposit $2,500 Min Balance $100,000 Details Balance: up to $150,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: up to $100,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $30,000 Details Balance: up to $50,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	0.60%	0.60%
Min Deposit $2,500 Min Balance $20,000 Details Balance: up to $30,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $5,000 Details Balance: up to $20,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Money Market Account	0.35%	0.35%
Min Deposit $2,500 Min Balance $0 Details Balance: up to $5,000; With approved credit; Rate may change after account is opened Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Checking Rates

Product	Rate	APY	View More
Classic Checking	0.15%	0.15%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicles (2026)	-	-	5.49%	48 months
Details As Low As; Apply Online; Membership eligibility required; No electric vehicles (new or used), internal combustion engine or hybrid only Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2022-2026)	-	-	5.54%	66 months
Details As Low As; Apply Online; Membership eligibility required; No electric vehicles (new or used), internal combustion engine or hybrid only; Mileage over 125K limited to 60 months max term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Auto Loan - New Vehicles (2026)	-	-	5.74%	78 months
Details As Low As; Apply Online; Membership eligibility required; No electric vehicles (new or used), internal combustion engine or hybrid only Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
Auto Loan - Used Vehicles (2019-2021)	-	-	5.79%	66 months
Details As Low As; Apply Online; Membership eligibility required; No electric vehicles (new or used), internal combustion engine or hybrid only; Mileage over 125K limited to 60 months max term Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreation Loan - Boat, RV, Travel Trailer	-	7.74%	180 months
Details As Low As; Max loan amount $100,000; Max 500 hours on watercraft; Max 10 model years on RV/Travel Trailers; Rates effective as of 10/1/2026 Last Updated 10/29/2026 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: 4.35%
Recreation Loan - Motorcycle, ATV, UTV	-	7.74%	48 Months
Details As Low As; Rates effective as of 10/1/2026 Last Updated 10/29/2026 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: 4.35%

TTCU Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Card	-	10.65%
Details Published APR range: 10.65%-18.00%. Variable APR Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 10.40% → 10.65% ▲ 0.25 pts · high 10.65% / low 10.40% Oct 9, 202610.65%▲ from 10.40% Sep 18, 202610.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
VISA CashBack Card	-	15.65%
Details Published APR range: 15.65%-18.00%. Variable APR Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 15.40% → 15.65% ▲ 0.25 pts · high 15.65% / low 15.40% Oct 9, 202615.65%▲ from 15.40% Sep 18, 202615.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
VISA DreamBuilder Card	-	15.74%
Details Requires secured share pledge (savings deposit) equal to 100% of credit limit, not available for withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49% Oct 9, 202615.74%▲ from 15.49% Sep 18, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.24%	48 months
Details As Low As; Unsecured loan term limits: $500-$1,000 12-month maximum term; $1,001-$2,000 12-24-month maximum term; $2,001-$3,000 36-month maximum term; $3,001-$4,999 48-month maximum term; $5,000 and up 60-month maximum term Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

TTCU Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA (Traditional / Roth)	0.55%	-	0.55%
Details Balance: up to $20,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
IRA (Traditional / Roth)	0.70%	-	0.70%
Details Balance: up to $40,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
IRA (Traditional / Roth)	0.85%	-	0.85%
Details Balance: over $40,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%
LevelUp Account	3.00%	-	3.00%
Min Deposit $5 Min Balance $0 Details Transaction limitations apply. No deposits other than daily round-up transfers, Member Rewards and dividends. Rate is variable and subject to change after account is opened. Fees could reduce earnings. $0.01 minimum daily balance to earn dividends. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.35%

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

TTCU Federal Credit Union’s Texas Ratio fell from 5.36% in Q3 2023 to 4.35% 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	$2.7B	4.35%	5.0	A+
March 31, 2026	$2.7B	3.93%	5.0	A+
December 31, 2025	$2.7B	4.79%	5.0	A+
September 30, 2025	$2.6B	4.57%	5.0	A+
June 30, 2025	$2.6B	4.93%	5.0	A+
March 31, 2025	$2.6B	4.83%	5.0	A+
December 31, 2024	$2.6B	6.58%	5.0	A
September 30, 2024	$2.6B	5.73%	5.0	A+
June 30, 2024	$2.6B	5.94%	5.0	A+
March 31, 2024	$2.6B	5.60%	5.0	A+
December 31, 2023	$2.6B	6.56%	5.0	A
September 30, 2023	$2.6B	5.36%	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 TTCU Federal 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 TTCU Federal 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 TTCU Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TTCU Federal Credit Union

Website https://www.ttcu.com

Address 9815 E 81st St, Tulsa, OK 74133

Phone 800-234-8828

Fax

President Bobbie Booker

CEO Shelby Beil

Full-Time Employees 437

Part-Time Employees 8

Branch Locations 20

ATM Locations 20

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

4.35%

Return on Assets (ROA)

0.4540%

Return on Equity (ROE)

3.3764%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

2,706,170,768

Total Amount of Shares and Deposits

2,178,047,957

Total Shares and Deposits < 1 Year

1,990,069,899

Total Shares and Deposits 1 3 Years

181,285,430

Total Shares and Deposits > 3 Years

6,692,628

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

131,386,157

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

131,386,157

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

2,046,661,800

Total Interest Expense (Sum of items 6 8)

24,574,291

Share Certificates

11,608

Number of Accounts for Share Drafts

99,322

IRA KEOGH Accounts

5,404

Number of Accounts for Regular Shares

190,003

Non Member Deposits

Money Market Shares

6,083

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)

207,140,177

Total Liabilities

2,415,463,563

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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

Customer Reviews

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Frequently Asked Questions About TTCU Federal Credit Union

Does TTCU Federal Credit Union offer CDs?

Yes. TTCU Federal Credit Union current CD rates include its 48 Month CD at 4.15% APY, its 36 Month CD at 4.10% APY and its 24 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from TTCU Federal Credit Union NCUA insured?

Yes. TTCU Federal 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 TTCU Federal Credit Union?

The highest TTCU Federal Credit Union CD rate is its 48 Month CD at 4.15% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does TTCU Federal Credit Union offer?

TTCU Federal Credit Union CD rates are 3.85% APY for a 12 month CD, 3.90% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.05% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with TTCU Federal Credit Union for its full lineup.

What is the highest savings rate at TTCU Federal Credit Union?

The highest TTCU Federal Credit Union savings rate is its Savings (Share) Accounts at 0.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at TTCU Federal Credit Union?

The highest TTCU Federal Credit Union money market rate is its Money Market Account at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at TTCU Federal Credit Union?

The highest TTCU Federal Credit Union checking rate is its Classic Checking at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at TTCU Federal Credit Union?

The lowest TTCU Federal Credit Union auto loan rate is its Auto Loan - New Vehicles (2026) at 5.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at TTCU Federal Credit Union?

The lowest TTCU Federal Credit Union personal loan rate is its Personal Loans at 11.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at TTCU Federal Credit Union?

The lowest TTCU Federal Credit Union credit card APR is its VISA Platinum Card Credit Card at 10.65% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does TTCU Federal Credit Union operate?

TTCU Federal 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 TTCU Federal Credit Union?

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

Does TTCU Federal Credit Union offer online and mobile banking?

Most modern institutions like TTCU Federal 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.ttcu.com.

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 TTCU Federal Credit Union rates compare?

TTCU Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. TTCU Federal Credit Union's top rates are its 48 Month CD at 4.15% APY, its Savings (Share) Accounts at 0.75% APY, its Money Market Account at 2.00% APY, its Classic Checking at 0.15% APY, its Personal Loans at 11.24% APR and its VISA Platinum Card Credit Card at 10.65% APR, verified by MonitorBankRates on October 29, 2026.

Current TTCU Federal Credit Union Rates

12-Month CD3.45%
18-Month CD3.50%
24-Month CD3.60%
60-Month CD4.05%
Savings0.75%
MMA2.00%

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

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TTCU Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TTCU Federal Credit Union Texas Ratio

TTCU Federal Credit Union Health Trend

TTCU Federal Credit Union CD Rates

TTCU Federal Credit Union Savings Rates

TTCU Federal Credit Union Money Market Rates

TTCU Federal Credit Union Checking Rates

TTCU Federal Credit Union Auto Loan Rates

TTCU Federal Credit Union RV, Boat and Powersport Loan Rates

TTCU Federal Credit Union Credit Card Rates

TTCU Federal Credit Union Personal Loan Rates

TTCU Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TTCU Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TTCU Federal Credit Union

Does TTCU Federal Credit Union offer CDs?

Are CDs from TTCU Federal Credit Union NCUA insured?

What is the highest CD rate at TTCU Federal Credit Union?

What CD terms does TTCU Federal Credit Union offer?

What is the highest savings rate at TTCU Federal Credit Union?

What is the highest money market rate at TTCU Federal Credit Union?

What is the highest checking rate at TTCU Federal Credit Union?

What is the lowest auto loan rate at TTCU Federal Credit Union?

What is the lowest personal loan rate at TTCU Federal Credit Union?

What is the lowest credit card APR at TTCU Federal Credit Union?

How many branches does TTCU Federal Credit Union operate?

Is a member application needed to join TTCU Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TTCU Federal 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 TTCU Federal Credit Union rates compare?

Current TTCU Federal Credit Union Rates

Compare to Other Credit Unions