What are the current interest rates at GREATER TEXAS?

Current rates for GREATER TEXAS include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.10%, 60-Month CD: 4.25%, Savings: 0.05%, MMA: 0.50%

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GREATER TEXAS

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GREATER TEXAS Rates & Review October 2026

Q: How many branches does GREATER TEXAS operate?

GREATER TEXAS 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 GREATER TEXAS?

Yes, to access services at GREATER TEXAS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, GREATER TEXAS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GREATER TEXAS 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

GREATER TEXAS's top rates as of October 10, 2026 are 4.35% APY on its 60 Month IRA CD Accounts/CDs of Deposit, 0.05% APY on savings, 0.50% APY on money market accounts, 0.05% APY on checking, 5.25% on its First Mortgage/Lien, personal loans from 12.99% APR, and credit cards from 14.50% APR, according to rates verified by MonitorBankRates. Other GREATER TEXAS CD rates include Term CD/CD of Deposit - 60 month at 4.35%, 60 Month IRA CD Accounts/CDs of Deposit at 4.25%, and Term CD/CD of Deposit - 60 month at 4.25%. Other GREATER TEXAS mortgage rates include First Mortgage/Lien at 5.62%, First Mortgage/Lien at 5.88%, and First Mortgage/Lien at 6.12%. MonitorBankRates evaluates the financial stability of GREATER TEXAS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.54%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.54%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

GREATER TEXAS
GTFCU

12544 Riata Vista Cir
AUSTIN, TX 78727

http://www.gtfcu.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.

GREATER TEXAS CD Rates

Product	Rate	APY	Term
60 Month IRA Term Share Accounts/Certificates of Deposit	4.26%	4.35%	60 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 10, 20264.35%▲ from 4.00% Sep 22, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 60 month	4.26%	4.35%	60 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95% Oct 10, 20264.35%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month IRA Term Share Accounts/Certificates of Deposit	4.16%	4.25%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95% Oct 10, 20264.25%▲ from 3.95% Sep 22, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 60 month	4.16%	4.25%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95% Oct 10, 20264.25%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month IRA Term Share Accounts/Certificates of Deposit	4.11%	4.20%	24 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
30 Month IRA Term Share Accounts/Certificates of Deposit	4.11%	4.20%	30 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month IRA Term Share Accounts/Certificates of Deposit	4.11%	4.20%	36 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
42 Month IRA Term Share Accounts/Certificates of Deposit	4.11%	4.20%	42 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month IRA Term Share Accounts/Certificates of Deposit	4.11%	4.20%	48 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 24 month	4.11%	4.20%	24 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 30 month	4.11%	4.20%	30 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 36 month	4.11%	4.20%	36 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 42 month	4.11%	4.20%	42 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 48 month	4.11%	4.20%	48 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	12 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 10, 20264.10%▲ from 3.80% Sep 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
18 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	18 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 10, 20264.10%▲ from 3.80% Sep 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
30 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
42 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	42 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month IRA Term Share Accounts/Certificates of Deposit	4.02%	4.10%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 12 month	4.02%	4.10%	12 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 10, 20264.10%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 18 month	4.02%	4.10%	18 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 10, 20264.10%▲ from 3.75% Oct 6, 20263.75%▼ from 3.80% Sep 18, 20263.80%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 24 month	4.02%	4.10%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 30 month	4.02%	4.10%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 36 month	4.02%	4.10%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 42 month	4.02%	4.10%	42 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 48 month	4.02%	4.10%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month IRA Term Share Accounts/Certificates of Deposit	3.92%	4.00%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
18 Month IRA Term Share Accounts/Certificates of Deposit	3.92%	4.00%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 12 month	3.92%	4.00%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 18 month	3.92%	4.00%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Oct 6, 20263.75%▼ from 3.80% Sep 18, 20263.80%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month IRA Term Share Accounts/Certificates of Deposit	3.68%	3.75%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month IRA Term Share Accounts/Certificates of Deposit	3.68%	3.75%	6 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 6 month	3.68%	3.75%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 6 month	3.68%	3.75%	6 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.75%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
3 Month IRA Term Share Accounts/Certificates of Deposit	1.00%	1.00%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 10, 20261.00%▲ from 0.75% Sep 22, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
3 Month IRA Term Share Accounts/Certificates of Deposit	1.00%	1.00%	3 Months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000+; JUMBO Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 10, 20261.00%▲ from 0.75% Sep 22, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 3 month	1.00%	1.00%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 10, 20261.00%▲ from 0.75% Sep 18, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Term Share Certificate/Certificate of Deposit - 3 month	1.00%	1.00%	3 Months
Min Deposit $1,000 Min Balance $95,000 Details JUMBO $95,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75% Oct 10, 20261.00%▲ from 0.75% Sep 18, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Savings Rates

Product	Rate	APY
Health Savings Accounts	0.05%	0.05%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Savings Accounts	0.05%	0.05%
Min Balance $5 Details Balance: $5-$999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Savings Accounts	0.05%	0.05%
Min Balance $1,000 Details Balance: $1000-$2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Savings Accounts	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 & over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Money Market Rates

Product	Rate	APY
Money Market Accounts	0.50%	0.50%
Min Balance $150,000 Details Balance: Over $150,000; Daily Balance Method Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Accounts	0.40%	0.40%
Min Balance $75,000 Details Balance: $75,000-$149,999.99; Daily Balance Method Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Accounts	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000-$74,999.99; Daily Balance Method Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Accounts	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500-$24,999.99; Daily Balance Method Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Account	0.05%	0.05%
Min Balance $5 Details Balance: $5 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Checking Rates

Product	Rate	APY
Free Checking Account	-	0.05%
Min Deposit $25 Min Balance $1,250 Details Earn Dividends: Earn up to 0.05% APY* for balances $1,250 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Draft Checking Accounts	0.05%	0.05%
Min Balance $1,250 Details Balance: $1,250+; Daily Balance Method Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Draft Checking Accounts	0.05%	0.05%
Min Balance $5 Details Balance: $5-$999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Draft Checking Accounts	0.05%	0.05%
Min Balance $1,000 Details Balance: $1000-$2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Share Draft Checking Accounts	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 & over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage/Lien	-	-	5.25%	5 years
Details As Low As250% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
First Mortgage/Lien	-	-	5.625%	10 years
Details As Low As625% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
First Mortgage/Lien	-	-	5.875%	15 years
Details As Low As875% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
First Mortgage/Lien	-	-	6.125%	20 years
Details As Low As125% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.25%
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2024 and Newer)	-	-	5.51%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.51% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2020 - 2023)	-	-	5.76%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2024 and Newer)	-	-	5.79%	66 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2024 and Newer)	-	-	5.99%	75 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2020 - 2023)	-	-	6.29%	66 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2016 - 2019)	-	-	6.47%	48 Months
Details Apply Now (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2020 - 2023)	-	-	6.49%	75 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2024 and Newer)	-	-	6.79%	84 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loans (2016 - 2019)	-	-	6.95%	66 Months
Details Apply Now (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Credit Card Rates

Product	Rate	APR
Momentum Preferred Rate Credit Card - Purchases	-	14.50%
Details Published APR range: 14.50% to 18.00%. Apply Now (Opens in a new Window) (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Momentum Preferred Rate Credit Card - Purchases	-	16.00%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Ascent Cash Back Credit Card - Purchases	-	18.00%
Details Published APR range: 18.00% to 18.00%. Apply Now (Opens in a new Window) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Pinnacle Cash Back Credit Card - Purchases	-	19.99%
Details Intro/promo APR: 18.00%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 19.99% ▲ 1.99 pts · high 19.99% / low 18.00% Oct 6, 202619.99%▲ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.99%
Details As Low As; unsecured loans (loans without collateral) at great rates to our great members. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

GREATER TEXAS Other Rates

Product	Rate	Points	APY/APR	Term
Emergency Loan	-	-	12.99%
Details As Low As; Emergency loans are limited to certain situations such as a death in the immediate family, unforeseen auto repairs, medical expenses that affect your livelihood, or catastrophic disasters. An emergency loan is a one-time payment loan and is approved only once in a twelve month period. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Helping Hand Loan	-	-	12.99%	10 month
Details As Low As; Previously known as our Merry Money Loan, the Helping Hand Loan is offered year-round and offers rates as low as 12.99%. Members may receive one Helping Hand Loan in a rolling 12 month period. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Second Mortgage/Lien	-	-	5.875%	5 years
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Second Mortgage/Lien	-	-	6.25%	10 years
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Second Mortgage/Lien	-	-	6.50%	15 years
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Second Mortgage/Lien	-	-	6.75%	20 years
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
IRA Traditional, Roth, Educational, SEP Accounts	0.30%	-	0.30%
Min Deposit $50 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

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

GREATER TEXAS’s Texas Ratio fell from 6.72% in Q3 2023 to 5.54% in Q2 2026, so its financial health has improved 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	$995M	5.54%	5.0	A+
March 31, 2026	$988M	6.18%	5.0	A
December 31, 2025	$980M	6.07%	5.0	A
September 30, 2025	$957M	6.70%	5.0	A
June 30, 2025	$956M	7.69%	4.6	A-
March 31, 2025	$953M	8.73%	4.7	A-
December 31, 2024	$936M	9.78%	4.9	A
September 30, 2024	$933M	9.23%	4.9	A
June 30, 2024	$942M	9.13%	4.9	A
March 31, 2024	$951M	9.82%	5.0	A
December 31, 2023	$950M	9.48%	5.0	A
September 30, 2023	$942M	6.72%	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 GREATER TEXAS 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 GREATER TEXAS 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 GREATER TEXAS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GREATER TEXAS

Website http://www.gtfcu.org

Address 12544 Riata Vista Cir, AUSTIN, TX 78727

Phone 512-458-2558

Fax

President Paula Reed

CEO Howard Baker

Full-Time Employees 203

Part-Time Employees 7

Branch Locations 15

ATM Locations 14

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

5.54%

Return on Assets (ROA)

0.2187%

Return on Equity (ROE)

3.0733%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

995,412,135

Total Amount of Shares and Deposits

906,829,591

Total Shares and Deposits < 1 Year

854,879,963

Total Shares and Deposits 1 3 Years

47,844,485

Total Shares and Deposits > 3 Years

4,105,143

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

68,760,615

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

68,760,615

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

838,068,976

Total Interest Expense (Sum of items 6 8)

4,831,795

Share Certificates

5,700

Number of Accounts for Share Drafts

51,513

IRA KEOGH Accounts

1,451

Number of Accounts for Regular Shares

88,577

All other shares

1,687

Money Market Shares

2,283

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

2,177,399

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)

45,838,283

Total Liabilities

927,414,125

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

GREATER TEXAS 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.

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       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About GREATER TEXAS

How many branches does GREATER TEXAS operate?

GREATER TEXAS 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 GREATER TEXAS?

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

Does GREATER TEXAS offer online and mobile banking?

Most modern institutions like GREATER TEXAS 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: http://www.gtfcu.org.

Current GREATER TEXAS Rates

12-Month CD4.00%
18-Month CD4.00%
24-Month CD4.10%
60-Month CD4.25%
Savings0.05%
MMA0.50%

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

Compare to Other Credit Unions

GREATER TEXAS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

GREATER TEXAS Texas Ratio

GREATER TEXAS Health Trend

GREATER TEXAS CD Rates

GREATER TEXAS Savings Rates

GREATER TEXAS Money Market Rates

GREATER TEXAS Checking Rates

GREATER TEXAS Mortgage Rates

GREATER TEXAS Home Equity & HELOC

GREATER TEXAS Auto Loan Rates

GREATER TEXAS Credit Card Rates

GREATER TEXAS Personal Loan Rates

GREATER TEXAS Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

GREATER TEXAS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About GREATER TEXAS

How many branches does GREATER TEXAS operate?

Is a member application needed to join GREATER TEXAS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does GREATER TEXAS offer online and mobile banking?

Current GREATER TEXAS Rates

Compare to Other Credit Unions