What are the current interest rates at Texans Credit Union?

Current rates for Texans Credit Union include: 12-Month CD: 3.50%, MMA: 3.50%

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

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Texans Credit Union

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Texans Credit Union Rates & Review October 2026

Q: How many branches does Texans Credit Union operate?

Texans Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Texans Credit Union?

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

Q: Is there a first-time homebuyer program?

Currently, Texans 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texans Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Texans Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 12 Month CD, 3.50% APY on money market accounts, auto loans from 5.04% APR, and credit cards from 11.40% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Texans Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.22%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

4.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Texans Credit Union
Main Office

777 E Campbell Rd
Richardson, TX 75081-1891

https://www.texanscu.org

Customer Reviews

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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.

Texans Credit Union CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	-	3.50%	12 Month
Min Deposit $500 Details APY is accurate as of 02/23/2026. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a $100,000 or more Certificate Account falls below the minimum balance requirements, it will automatically renew at the applicable APY for the same term Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Texans Credit Union Money Market Rates

Product	Rate	APY
Performance Money Market Account	3.45%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	3.20%	3.25%
Min Balance $750,000 Details Balance: $750,000 to $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	2.96%	3.00%
Min Balance $500,000 Details Balance: $500,000 to $749,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	1.74%	1.75%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Performance Money Market Account	1.24%	1.25%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Texans Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	5.79%	-	5.79%
Details Lowest rate currently available as of 08/21/2026. Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Minimum loan amount is $10,000 and terms up to 30 years available for first-lien home equity loans. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Texans Credit Union NMLS #530654 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Texans Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	5.04%	36 months
Details Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $749.72 over a 36-month loan at 5.04% APR. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Auto Loan	-	-	5.04%
Details Additional APR listed for this product: 5.34%, 5.68%, 5.76%, 5.84%, 5.94%. As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.04%	0 to 36 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 5.04% ▲ 0.25 pts · high 5.04% / low 4.79% Sep 29, 20265.04%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Auto Loan	-	-	5.05%
Details Additional APR listed for this product: 5.55%, 5.60%, 5.95%, 6.25%. As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	5.05%	0 to 36 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.79% → 5.05% ▲ 0.26 pts · high 5.05% / low 4.79% Sep 29, 20265.05%▲ from 4.79% Sep 18, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.34%	37 to 48 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.09% → 5.34% ▲ 0.25 pts · high 5.34% / low 5.09% Sep 29, 20265.34%▲ from 5.09% Sep 18, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	5.55%	37 to 48 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.29% → 5.55% ▲ 0.26 pts · high 5.55% / low 5.29% Sep 29, 20265.55%▲ from 5.29% Sep 18, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	5.60%	49 to 60 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.29% → 5.60% ▲ 0.31 pts · high 5.60% / low 5.29% Sep 29, 20265.60%▲ from 5.29% Sep 18, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.68%	49 to 60 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.43% → 5.68% ▲ 0.25 pts · high 5.68% / low 5.43% Sep 29, 20265.68%▲ from 5.43% Sep 14, 20265.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.76%	61 to 72 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.51% → 5.76% ▲ 0.25 pts · high 5.76% / low 5.51% Sep 29, 20265.76%▲ from 5.51% Sep 18, 20265.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.84%	73 to 75 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.59% → 5.84% ▲ 0.25 pts · high 5.84% / low 5.59% Sep 29, 20265.84%▲ from 5.59% Sep 18, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	5.94%	76 to 78 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.69% → 5.94% ▲ 0.25 pts · high 5.94% / low 5.69% Sep 29, 20265.94%▲ from 5.69% Sep 18, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	5.95%	61 to 72 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.70% → 5.95% ▲ 0.25 pts · high 5.95% / low 5.70% Sep 29, 20265.95%▲ from 5.70% Sep 18, 20265.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	6.25%	73 to 75 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.95% → 6.25% ▲ 0.30 pts · high 6.25% / low 5.95% Sep 29, 20266.25%▲ from 5.95% Sep 18, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	6.25%	76 to 78 Months
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 29, 20266.25%▲ from 6.00% Sep 18, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Auto Loan	-	-	6.34%
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
New Vehicles Loan	-	-	6.34%	79 to 84 Months
Details As low as4 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.94% → 6.34% ▲ 0.40 pts · high 6.34% / low 5.94% Sep 29, 20266.34%▲ from 5.94%* Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Auto Loan	-	-	7.44%
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Used Vehicles Loan	-	-	7.44%	79 to 84 Months
Details As low as4 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.44% / low 7.19% Sep 29, 20267.44%▲ from 7.19%* Sep 14, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Texans Credit Union Credit Card Rates

Product	Rate	APR	View More
Rate Advantage Credit Card	-	11.40%
Details Published APR range: 11.40% - 17.99%. Intro rate expires: 6 months; Regular APR: 11.40% - 17.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

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

Texans Credit Union’s Texas Ratio rose from 0.96% in Q3 2023 to 4.22% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$2.6B	4.22%	5.0	A+
March 31, 2026	$2.6B	3.82%	5.0	A+
December 31, 2025	$2.5B	4.18%	5.0	A+
September 30, 2025	$2.4B	2.78%	5.0	A+
June 30, 2025	$2.3B	2.29%	5.0	A+
March 31, 2025	$2.3B	2.28%	5.0	A+
December 31, 2024	$2.2B	2.73%	5.0	A+
September 30, 2024	$2.2B	2.33%	5.0	A+
June 30, 2024	$2.2B	1.87%	5.0	A+
March 31, 2024	$2.3B	1.53%	5.0	A+
December 31, 2023	$2.2B	1.29%	5.0	A+
September 30, 2023	$2.1B	0.96%	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 Texans 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 Texans 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 Texans Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texans Credit Union

Website https://www.texanscu.org

Address 777 E Campbell Rd, Richardson, TX 75081-1891

Phone 972-348-2000

Fax

President George Consolver

CEO David Frazier

Full-Time Employees 310

Part-Time Employees 14

Branch Locations 14

ATM Locations 13

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

4.22%

Return on Assets (ROA)

0.4200%

Return on Equity (ROE)

3.7943%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

2,576,702,782

Total Amount of Shares and Deposits

2,286,980,882

Total Shares and Deposits < 1 Year

2,217,513,402

Total Shares and Deposits 1 3 Years

64,555,928

Total Shares and Deposits > 3 Years

4,911,552

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

228,939,198

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

228,939,198

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

2,058,041,684

Total Interest Expense (Sum of items 6 8)

23,486,833

Share Certificates

15,552

Number of Accounts for Share Drafts

64,666

IRA KEOGH Accounts

4,664

Number of Accounts for Regular Shares

158,825

Money Market Shares

4,356

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)

167,123,023

Total Liabilities

2,317,065,363

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Texans Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Texans Credit Union

How many branches does Texans Credit Union operate?

Texans 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 Texans Credit Union?

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

Does Texans Credit Union offer online and mobile banking?

Most modern institutions like Texans 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.texanscu.org.