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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 InTouch Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
InTouch Credit Union's top rates as of October 10, 2026 are 4.15% APY on its 11-Month CD Special, 4.24% APY on checking, 7.12% on its Conventional 5-Year ARM loan mortgage, auto loans from 5.49% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other InTouch Credit Union CD rates include 5-Month CD Special at 4.10%, Youth/Young Adult 12-Month CD at 3.90%, and 12-Month CD at 3.85%. MonitorBankRates evaluates the financial stability of InTouch Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.58%. Rates last updated and verified on 10/10/2026. InTouch 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 InTouch Credit Union? Share your experience about InTouch Credit Union by leaving a review below, or read customer reviews before you decide to use InTouch Credit Union. 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. InTouch Credit Union CD Rates
InTouch Credit Union Checking Rates
InTouch Credit Union Mortgage Rates
InTouch Credit Union Home Equity & HELOC
InTouch Credit Union Auto Loan Rates
InTouch Credit Union Credit Card Rates
InTouch Credit Union Other Rates
Financial Health HistoryInTouch Credit Union’s Texas Ratio fell from 12.92% in Q3 2023 to 11.58% 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for InTouch 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 InTouch 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 InTouch Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
InTouch Credit Union
Website
https://www.itcu.org
Address
5640 Democracy Dr,
Plano, TX 75024
Phone
214-291-1776
Fax
President
Nancy Pressel
CEO
Kent Lugrand
Full-Time Employees
132
Part-Time Employees
1
Branch Locations
10
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.58%
Return on Assets (ROA)
0.4873%
Return on Equity (ROE)
5.4695%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
837,352,975
Total Amount of Shares and Deposits
744,166,859
Total Shares and Deposits < 1 Year
725,218,258
Total Shares and Deposits 1 3 Years
16,529,628
Total Shares and Deposits > 3 Years
2,418,974
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,545,804
Total Uninsured Shares and Deposits > $250K (F+J)
55,545,804
Total Insured Shares and Deposits > $250K (item 17 less item K)
688,621,055
Total Interest Expense (Sum of items 6 8)
6,018,169
Share Certificates
5,875
Number of Accounts for Share Drafts
24,422
IRA KEOGH Accounts
1,233
Number of Accounts for Regular Shares
66,884
Money Market Shares
2,811
Net Income (unless the amount is already included in Undivided Earnings)
4,080,805
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)
26,329,433
Total Liabilities
764,507,153
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for InTouch Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for InTouch Credit Union
Frequently Asked Questions About InTouch Credit UnionHow many branches does InTouch Credit Union operate?InTouch 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 InTouch Credit Union?Yes, to access services at InTouch 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, InTouch 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, InTouch Credit Union provides members with tools to manage their accounts and build a solid financial history. Does InTouch Credit Union offer online and mobile banking?Most modern institutions like InTouch 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.itcu.org. Current InTouch Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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