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Texas Trust Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: September 22, 2026

Texas Trust Credit Union's 15-month CD Special rates are at 4.30%, 13-month CD Special rates are at 4.25%, 7-month CD Special rates are at 4.20%, 1 Year Smart Start CD rates are at 3.65%, 1 Year CD rates are at 3.65%. Texas Trust Credit Union's money market rates are at 1.66%. Texas Trust Credit Union's Personal Loan Rates are as low as 9.99%. Texas Trust Credit Union's Credit Card Rates are at 13.90%. MonitorBankRates evaluates the financial stability of Texas Trust Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.05%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.05%
Excellent Lower than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Texas Trust Credit Union
Headquarters
5850 W Interstate 20
Arlington, TX 76017
https://www.texastrustcu.org
Member NCUA

Texas Trust Credit Union CD Rates

Product Rate APY Term View More
15-month CD Special - 4.30% 15-month
Min Deposit $500
Details New money required to open. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
13-month CD Special - 4.25% 13-month
Min Deposit $500
Details New money required to open. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
7-month CD Special - 4.20% 7-month
Min Deposit $500
Details New money required to open. 50% of the balance must be new money deposited to the credit union within the last 30 days.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
1 Year Smart Start Share CD - 3.65% 1 year
Min Deposit $100
Details Available to members ages 17 and younger. Interest accrued and paid monthly. Deposits can be made anytime, by anyone. At age 16, minor may withdraw without joint owner consent. Once youth reaches age 18 and the CD matures, the money will automatically roll into a 1-year Term Share CD if it meets balance requirements. If not, the funds will be transferred to the Share Account. Penalties apply for early withdrawal. Youth Savings Account required.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
1 Year Term Share CD - 3.65% 1 year
Min Deposit $500
Details Interest accrued and paid monthly. NCUA Insured up to $250,000. Withdrawal dividends that have been paid penalty free. Texas Trust Credit Union membership eligibility required. You must have a Share Account open with a minimum balance of $5 to open any Share CD.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Money Market Rates

Product Rate APY View More
Money Market Account - 1.66%
Min Balance $2,500
Details Save More. Earn More! | Easy Access | $10 service fee if minimum balance is not maintained.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Checking Rates

Product Rate APY View More
Power Checking - 3.55%
Min Deposit $5,000
Min Balance $5,000
Details APY* on average daily balance of $5,000 or more, up to $500,000. Monthly service charge of $19.95 OR $0 with an average daily balance of $5,000. Other Benefits: 2 Free Stop Payments, A free 3x5x22 safe deposit box, Five free domestic wire transfers per month, A free starter pack of 25 checks, Online and Mobile Banking.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
Bonus Checking - 0.15%
Min Deposit $25
Min Balance $25,000
Details APY* on monthly balances starting at $25,000. Monthly service charge of $9.95. Due to the benefits included in Bonus Checking, this fee cannot be waived. Other Benefits: Identity Theft Protection, Cellular Phone Protection, Telehealth Access, Online and Mobile Banking.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
Easy Checking - 0.05%
Min Deposit $25
Min Balance $1,000
Details APY* on monthly balances starting at $1,000. Monthly service charge of $4.95 OR $0 with monthly deposits totaling $250 or more. Other Benefits: Simple Banking, Large ATM Network, Online and Mobile Banking.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.24%
Details as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Credit Card Rates

Product Rate APR View More
Platinum Mastercard - 13.90%
Details Published APR range: 13.90% - 17.90%. Standard APR between 13.90% - 17.90%; $0 Annual Fee; No balance transfer fees; Standard balance transfer APR between 13.90% - 17.90%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 9.99%
Details as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%

Texas Trust Credit Union Other Rates

Product Rate Points APY/APR Term View More
Home Loans - - 7.25%
Details as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
55 and Better - - 2.90% 15 month
Min Deposit $10,000
Details Add .01% to your base rate for every year of your age. 10 calendar days Grace Period after maturation. Withdraw dividends that have been paid without penalty. Deposits not permitted during the term of the CD (180 day certificate).
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
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.
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Financial Health History

Texas Trust Credit Union’s Texas Ratio rose from 2.31% in Q2 2023 to 6.05% in Q1 2026, so its financial health has weakened 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.31% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 6.05% A Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$2.1B6.05%5.0A
December 31, 2025$2.1B7.36%5.0A
September 30, 2025$2.0B7.10%5.0A
June 30, 2025$2.0B7.00%5.0A
March 31, 2025$2.0B6.24%5.0A
December 31, 2024$2.0B6.11%5.0A
September 30, 2024$2.0B4.17%5.0A+
June 30, 2024$2.0B3.38%5.0A+
March 31, 2024$2.0B3.11%5.0A+
December 31, 2023$2.0B2.97%5.0A+
September 30, 2023$2.0B1.88%5.0A+
June 30, 2023$2.0B2.31%5.0A+
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 Texas Trust 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 Texas Trust 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 Texas Trust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texas Trust Credit Union
Website https://www.texastrustcu.org
Address 5850 W Interstate 20, Arlington, TX 76017
Phone 972-263-5171
Fax
President Larry Skinner
CEO Jim Minge
Full-Time Employees 331
Part-Time Employees 4
Branch Locations 21
ATM Locations 23
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
6.05%
Return on Assets (ROA)
0.1483%
Return on Equity (ROE)
1.3970%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
2,067,879,165
Total Amount of Shares and Deposits
1,692,592,363
Total Shares and Deposits < 1 Year
1,637,957,542
Total Shares and Deposits 1 3 Years
49,201,086
Total Shares and Deposits > 3 Years
5,433,735
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
128,279,104
Total Uninsured Shares and Deposits > $250K (F+J)
128,279,104
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,564,313,259
Total Interest Expense (Sum of items 6 8)
9,221,685
Share Certificates
11,495
Number of Accounts for Share Drafts
60,980
IRA KEOGH Accounts
2,912
Number of Accounts for Regular Shares
153,753
All other shares
78
Non Member Deposits
15
Money Market Shares
1,452
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)
119,719,929
Total Liabilities
1,862,375,812
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Texas Trust 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Texas Trust 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Texas Trust Credit Union

How many branches does Texas Trust Credit Union operate?

Texas Trust 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 Texas Trust Credit Union?

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

Does Texas Trust Credit Union offer online and mobile banking?

Most modern institutions like Texas Trust 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.texastrustcu.org.

Current Texas Trust Credit Union Rates

  • 12-Month CD3.65%
  • MMA1.66%
Retrieved from our database of financial products. Rates subject to change.

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