What are the current interest rates at Texell Credit Union?

Current rates for Texell Credit Union include: 12-Month CD: 4.15%, 18-Month CD: 4.05%, 24-Month CD: 3.75%, 60-Month CD: 3.20%, Savings: 2.00%, MMA: 3.25%

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Texell Credit Union

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Texell Credit Union Rates & Review October 2026

Q: How many branches does Texell Credit Union operate?

Texell 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 Texell Credit Union?

Yes, to access services at Texell 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, Texell 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, Texell 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 10, 2026

Texell Credit Union's top rates as of October 10, 2026 are 4.15% APY on its 12 Month Business Term CD, 2.00% APY on savings, 3.25% APY on money market accounts, 0.30% APY on checking, 6.38% on its 15-year Fixed Purchase mortgage, and personal loans from 9.49% APR, according to rates verified by MonitorBankRates. Other Texell Credit Union CD rates include 12-month CD at 4.15%, 18 Month Business Term CD at 4.10%, and 18-month CD at 4.05%. Other Texell Credit Union mortgage rates include USDA 30-year Fixed purchase at 6.63%, VA 15-year Fixed Purchase at 6.75%, and 30-year Fixed Purchase at 7.25%. MonitorBankRates evaluates the financial stability of Texell Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.98%. Rates last updated and verified on 10/10/2026.

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

3.98%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Texell Credit Union
Corporate Headquarters

7083 MEMBERS PKWY
TEMPLE, TX 76502

https://www.texell.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.

Texell Credit Union CD Rates

Product	Rate	APY	Term
12-month Certificate	-	4.15%	12-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
18-month Certificate	-	4.05%	18-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
24-month Certificate	-	3.75%	24-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
6 Month Certificate	-	3.70%	6-month
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Avoid Service Charge: $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
36-month Certificate	-	3.30%	36-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
60-month Certificate	-	3.20%	60-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
48-month Certificate	-	3.15%	48-month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Term Share Certificate	-	4.15%	12-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
18 Month Business Term Share Certificate	-	4.10%	18-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
6 Month Business Term Share Certificate	-	3.70%	6-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
1 Month Business Term Share Certificate	-	3.25%	1-MONTH
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
4 Month Business Term Share Certificate	-	3.00%	4-month
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Savings Rates

Product	Rate	APY
Health Savings Accounts (HSAs)	-	2.00%
Min Deposit $5 Min Balance $500 Details Rates effective 10/1/2026. Dividends are paid monthly and deposited into the account. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
IRA Savings	-	1.10%
Min Deposit $5 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Dollar Squad Savings	-	1.00%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Thr!ve Savings	-	1.00%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Standard Savings Accounts	-	0.30%
Min Deposit $5 Min Balance $100 Details Rate may change after account opened and subject to change without notice. Dividends are paid quarterly and deposited into the account. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.30%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.95%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.30%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Money Market	-	1.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.25%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Money Market	-	2.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Money Market	-	1.25%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Checking Rates

Product	Rate	APY
Choice Advantage Checking	-	0.30%
Min Deposit $15 Min Balance $50,000 Details Balance: $50,000 or greater; Minimum to Avoid Service Charge: $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Advantage Checking	-	0.20%
Min Deposit $15 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Minimum to Avoid Service Charge: $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Advantage Checking	-	0.15%
Min Deposit $15 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Minimum to Avoid Service Charge: $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Choice Plus Checking	-	0.10%
Min Deposit $15 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Thr!ve Checking	-	0.10%
Min Deposit $0 Min Balance $500 Details Balance: $500.01 or greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-year Fixed Purchase	6.38%	0.00%	6.55%	180 months
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.67% / low 6.17% Oct 10, 20266.55%▼ from 6.67% Oct 2, 20266.67%▲ from 6.55% Sep 27, 20266.55%▲ from 6.30% Sep 22, 20266.30%▲ from 6.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
USDA 30-year Fixed purchase	6.63%	0.00%	7.13%	360 months
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.49% → 7.13% ▲ 0.64 pts · high 7.38% / low 6.49% Oct 10, 20267.13%▼ from 7.38% Oct 1, 20267.38%▲ from 6.99% Sep 27, 20266.99%▲ from 6.88% Sep 18, 20266.88%▲ from 6.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
VA 15-year Fixed Purchase	6.75%	0.63%	7.14%	180 months
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.41% → 7.14% ▲ 0.73 pts · high 7.24% / low 6.41% Oct 10, 20267.14%▼ from 7.20% Oct 2, 20267.20%▼ from 7.24% Oct 1, 20267.24%▲ from 7.14% Sep 27, 20267.14%▲ from 7.06% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30-year Fixed Purchase	7.25%	0.00%	7.36%	360 months
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.61% → 7.36% ▲ 0.75 pts · high 7.36% / low 6.61% Oct 2, 20267.36%▲ from 7.24% Sep 27, 20267.24%▲ from 6.86% Sep 18, 20266.86%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
FHA 15-year Fixed purchase	6.75%	0.88%	7.41%	180 months
No additional details. Last Updated 10/10/2026 Rate History 6 changes since Sep 14, 2026 · 6.75% → 7.41% ▲ 0.66 pts · high 7.41% / low 6.75% Oct 10, 20267.41%▲ from 7.36% Oct 2, 20267.36%▼ from 7.38% Oct 1, 20267.38%▲ from 7.30% Sep 27, 20267.30%▲ from 7.21% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Investment Property 15-year Fixed Purchase	7.38%	0.00%	7.55%	180 months
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.17% → 7.55% ▲ 1.38 pts · high 7.55% / low 6.17% Oct 2, 20267.55%▲ from 7.43% Sep 27, 20267.43%▲ from 7.18% Sep 22, 20267.18%▲ from 7.05% Sep 18, 20267.05%▲ from 6.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
VA 30-year Fixed Purchase	7.38%	0.00%	7.56%	360 months
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.66% → 7.56% ▲ 0.90 pts · high 7.56% / low 6.66% Oct 1, 20267.56%▲ from 7.17% Sep 27, 20267.17%▲ from 6.93% Sep 18, 20266.93%▲ from 6.66% Sep 14, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
FHA 30-year Fixed purchase	7.13%	0.00%	7.72%	360 months
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.95% → 7.72% ▲ 0.77 pts · high 7.85% / low 6.95% Oct 10, 20267.72%▼ from 7.85% Oct 2, 20267.85%▲ from 7.72% Oct 1, 20267.72%▲ from 7.58% Sep 27, 20267.58%▲ from 7.34% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Investment Property 30-year Fixed Purchase	7.63%	0.00%	7.74%	360 months
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.48% → 7.74% ▲ 1.26 pts · high 8.12% / low 6.48% Oct 10, 20267.74%▼ from 8.12% Oct 2, 20268.12%▲ from 7.74% Sep 27, 20267.74%▲ from 7.24% Sep 18, 20267.24%▲ from 6.48% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	8.49%	36-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	8.49%	60-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	8.74%	72-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	9.24%	84-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	9.74%	96-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	-	10.24%	120-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home equity	-	-	5.24%
Details No closing costs for loans under $150,000; Up to 20-year terms for first home equity; 15-year term for second home equity; Agricultural exemptions allowed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loans - 120-month	-	-	5.49%	120-month
Details 1st Lien: top; 2nd Lien: bottom. Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loans - 180-month	-	-	5.74%	180-month
Details 1st Lien: top; 2nd Lien: bottom. Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loans - 240-month	-	-	6.24%	240-month
Details See an associate. Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan	5.49%	-	6.49%	10-year Fixed
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Home Equity Loan	5.74%	-	6.74%	15-year Fixed
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.99%	36-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	4.24%	60-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	4.49%	72-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	4.49%	36-month
Details As low as; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	4.74%	60-month
Details As low as; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	4.99%	72-month
Details As low as; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	5.24%
Details Rates effective 03/18/2026 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	5.24%
Details Rates effective 03/18/2026 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Auto	-	-	5.49%	84-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Pre-Owned Auto	-	-	5.99%	84-month
Details As low as; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs Loan	-	5.24%
Details Rates effective 03/18/2026 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
180-month (boat only) Loan	-	6.99%	36-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
180-month (boat only) Loan	-	6.99%	60-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	6.99%	36-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	6.99%	60-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
180-month (boat only) Loan	-	7.49%	84-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	7.49%	72-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
180-month (boat only) Loan	-	7.99%	120-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	7.99%	120 months
Details Term: 120-month (boat only); Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	8.49%	36-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	8.49%	60-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	8.74%	72-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
180-month (boat only) Loan	-	8.99%	180-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Boats & Motorcycles Loan	-	8.99%	180 months
Details Term: 180-month (boat only); Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	9.24%	84-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	9.74%	96-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
ATV & Farm Equipment	-	10.24%	120-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.49%	12-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans	9.49%	24-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans	9.99%	48-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Personal Loans	11.49%	72-month
Details As Low As; Estimated Payment: Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Texell Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Land and Unimproved Property Loan	-	-	6.99%	15 years
Details Fast and easy approval. (Opens in a new Window); Borrow up to 80% of the fair market value or purchase price Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Land Loans & Unimproved Property - 120-month	-	-	7.49%	120-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Land Loans & Unimproved Property - 180-month	-	-	7.99%	180-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Land Loans & Unimproved Property - 60-month	-	-	6.99%	60-month
Details Estimated Payment: Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Rapid Refinance	-	-	7.00%
Details Loans from $40,000 to $510,400; 80% maximum loan-to-value (LTV); 660 minimum credit score; Maximum debt-to-income ratio of 44% Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.99% → 7.00% ▲ 0.01 pts · high 7.13% / low 6.63% Oct 10, 20267.00%▼ from 7.13% Oct 2, 20267.13%▲ from 7.00% Sep 27, 20267.00%▲ from 6.63% Sep 18, 20266.63%▼ from 6.99% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Family HSA	-	-	2.00%
Min Deposit $5 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Save First Accounts	-	-	3.50%
Min Balance $0 Details Balance: $0 - $30,000; High-yield, enhanced rate of up to 3.50% APY. Rate may change after account opened and subject to change without notice. Dividends are paid quarterly and deposited into the Save First Account. Both withdrawals and funds transfers reduce APY. You may earn the enhanced dividend rate if there are no withdrawals or transfers from the Save First Savings account during the dividend quarter. If you make any withdrawals from the Save First Account, the rate for the full quarter will be the standard rate for savings accounts at Texell Credit Union. The APY for standard savings accounts is 0.30% which is effective as of 10/1/2026. Rate may change after account opened and subject to change without notice. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 10, 20263.50%▲ from 3.25% Sep 27, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Single HSA	-	-	2.00%
Min Deposit $5 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

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.
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Financial Health History

Texell Credit Union’s Texas Ratio fell from 5.46% in Q3 2023 to 3.98% 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	$801M	3.98%	5.0	A+
March 31, 2026	$791M	3.41%	5.0	A+
December 31, 2025	$774M	3.22%	5.0	A+
September 30, 2025	$771M	3.19%	5.0	A+
June 30, 2025	$766M	4.35%	5.0	A+
March 31, 2025	$769M	3.58%	5.0	A+
December 31, 2024	$752M	4.17%	5.0	A+
September 30, 2024	$753M	9.05%	5.0	A
June 30, 2024	$727M	6.08%	5.0	A
March 31, 2024	$694M	6.34%	5.0	A
December 31, 2023	$690M	6.22%	5.0	A
September 30, 2023	$686M	5.46%	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 Texell 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 Texell 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 Texell Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texell Credit Union

Website https://www.texell.org

Address 7083 MEMBERS PKWY, TEMPLE, TX 76502

Phone 254-773-1604

Fax

President Kenneth Gaby

CEO Tony Hale

Full-Time Employees 209

Part-Time Employees 1

Branch Locations 8

ATM Locations 8

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

3.98%

Return on Assets (ROA)

0.6574%

Return on Equity (ROE)

6.2725%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

801,027,456

Total Amount of Shares and Deposits

699,985,259

Total Shares and Deposits < 1 Year

648,834,574

Total Shares and Deposits 1 3 Years

46,729,318

Total Shares and Deposits > 3 Years

4,421,366

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

61,828,690

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

61,828,690

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

638,156,569

Total Interest Expense (Sum of items 6 8)

6,445,198

Share Certificates

5,336

Number of Accounts for Share Drafts

38,458

IRA KEOGH Accounts

1,123

Number of Accounts for Regular Shares

62,330

All other shares

290

Non Member Deposits

Money Market Shares

1,543

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

5,266,191

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)

47,179,459

Total Liabilities

717,076,685

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Texell Credit Union

How many branches does Texell Credit Union operate?

Texell 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 Texell Credit Union?

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

Does Texell Credit Union offer online and mobile banking?

Most modern institutions like Texell 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.texell.org.

Current Texell Credit Union Rates

12-Month CD4.15%
18-Month CD4.05%
24-Month CD3.75%
60-Month CD3.20%
Savings2.00%
MMA3.25%

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

Compare to Other Credit Unions

Texell Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texell Credit Union Texas Ratio

Texell Credit Union Health Trend

Texell Credit Union CD Rates

Texell Credit Union Business CD Rates

Texell Credit Union Savings Rates

Texell Credit Union Money Market Rates

Texell Credit Union Business Money Market Rates

Texell Credit Union Checking Rates

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Texell Credit Union Home Equity & HELOC

Texell Credit Union Auto Loan Rates

Texell Credit Union RV, Boat and Powersport Loan Rates

Texell Credit Union Personal Loan Rates

Texell Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texell Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texell Credit Union

How many branches does Texell Credit Union operate?

Is a member application needed to join Texell Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texell Credit Union offer online and mobile banking?

Current Texell Credit Union Rates

Compare to Other Credit Unions