What are the current interest rates at Texoma Community Credit Union?

Current rates for Texoma Community Credit Union include: 12-Month CD: 3.66%, 24-Month CD: 3.30%, 60-Month CD: 2.79%, Savings: 0.10%, MMA: 0.10%

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Texoma Community Credit Union

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Texoma Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texoma Community 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: September 22, 2026

Texoma Community Credit Union's 1 Year CD rates are at 3.66%, 6 Month CD rates are at 3.63%, 2 Year CD rates are at 3.30%, 3 Year CD rates are at 2.79%, 4 Year CD rates are at 2.79%. Texoma Community Credit Union's savings rates are at 0.10%. Texoma Community Credit Union's money market rates are at 0.10%. Texoma Community Credit Union's Personal Loan Rates are as low as 8.90%. MonitorBankRates evaluates the financial stability of Texoma Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.03%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 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

4.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Texoma Community Credit Union
SAR (1 DT and 1 Lobby ATM)

3800 Sheppard Access Rd
Wichita Falls, TX 76306

https://www.texomacu.com

Texoma Community Credit Union CD Rates

Product	Rate	APY	Term
1 Year Share Certificate	3.60%	3.66%	1 Year
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
6 Month Share Certificate	3.57%	3.63%	6 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
2 Year Share Certificate	3.25%	3.30%	2 Year
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
3 Year Share Certificate	2.75%	2.79%	3 Year
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
4 Year Share Certificate	2.75%	2.79%	4 Year
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
5 Year Share Certificate	2.75%	2.79%	5 Year
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
3 Month Share Certificate	0.10%	0.10%	3 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
MMA Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Regular Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Money Market Rates

Product	Rate	APY
MMA Platinum	3.00%	3.04%
Min Balance $100,000 Details ($100,000 and up) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
MMA Platinum	2.00%	2.02%
Min Balance $50,000 Details ($50,000 - $99,999) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
MMA Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Checking Rates

Product	Rate	APY
Cashtastic Checking	3.45%	3.51%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000. If meeting the qualification requirements of account. Visit https://texomacu.com/free-checking-accounts/ for more information. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Cashtastic Checking	-	3.51%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 1 direct deposit, bill pay, or ACH payment transaction post and settle; 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle; enrolled in and agree to receive E-Statements; Balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000. ATM withdrawal fees are not refunded when qualifications are not met. Dividends and ATM withdrawal fee reimbursements will be credited to your Cashtastic Checking account on the last day of the current statement cycle. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Cashtastic Checking	0.24%	0.25%
Min Balance $0 Details If meeting the qualification requirements of account. Visit https://texomacu.com/free-checking-accounts/ for more information. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Cashtastic Checking	-	0.25%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 1 direct deposit, bill pay, or ACH payment transaction post and settle; 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle; enrolled in and agree to receive E-Statements; Balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000. ATM withdrawal fees are not refunded when qualifications are not met. Dividends and ATM withdrawal fee reimbursements will be credited to your Cashtastic Checking account on the last day of the current statement cycle. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Manager Gold Checking	0.10%	0.10%
Details Please visit our fee schedule for the minimum deposit requirements to avoid a monthly service fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Checking	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Cashtastic Checking	0.05%	0.05%
Details Non-Qualifying Accounts. If meeting the qualification requirements of account. Visit https://texomacu.com/free-checking-accounts/ for more information. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Cashtastic Checking	-	0.05%
Min Deposit $100 Details When Cashtastic Checking qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Cashtastic Checking account on the last day of the current statement cycle. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Automobile Loan	-	-	6.24%
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Loan	-	6.24%
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.90%
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Texoma Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Vacation Loan	-	-	8.90%
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
IRA Shares	2.00%	-	2.02%
Min Balance $100 Details up to $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
IRA Shares	3.00%	-	3.03%
Min Balance $50,000 Details Over $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

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

Texoma Community Credit Union’s Texas Ratio rose from 2.95% in Q2 2023 to 4.03% in Q1 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
March 31, 2026	$315M	4.03%	5.0	A+
December 31, 2025	$308M	4.68%	5.0	A+
September 30, 2025	$297M	3.51%	5.0	A+
June 30, 2025	$293M	4.38%	5.0	A+
March 31, 2025	$285M	4.59%	5.0	A+
December 31, 2024	$277M	4.83%	5.0	A+
September 30, 2024	$279M	5.06%	5.0	A+
June 30, 2024	$281M	5.01%	5.0	A+
March 31, 2024	$274M	2.69%	5.0	A+
December 31, 2023	$271M	4.39%	5.0	A+
September 30, 2023	$272M	4.93%	5.0	A+
June 30, 2023	$268M	2.95%	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 Texoma Community 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 Texoma Community 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 Texoma Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texoma Community Credit Union

Website https://www.texomacu.com

Address 3800 Sheppard Access Rd, Wichita Falls, TX 76306

Phone 940-851-4000

Fax 940-851-4080

President Ripley Tate

CEO John Buckley

Full-Time Employees 95

Part-Time Employees 2

Branch Locations 3

ATM Locations 10

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

4.03%

Return on Assets (ROA)

0.0283%

Return on Equity (ROE)

0.2474%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

314,527,667

Total Amount of Shares and Deposits

272,101,624

Total Shares and Deposits < 1 Year

256,351,587

Total Shares and Deposits 1 3 Years

13,478,495

Total Shares and Deposits > 3 Years

2,271,540

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

10,210,334

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

10,210,334

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

261,891,290

Total Interest Expense (Sum of items 6 8)

1,123,624

Share Certificates

1,902

Number of Accounts for Share Drafts

14,862

IRA KEOGH Accounts

761

Number of Accounts for Regular Shares

29,375

All other shares

622

Non Member Deposits

Money Market Shares

142

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

168,342

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)

18,926,573

Total Liabilities

278,596,212

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Texoma Community Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Texoma Community Credit Union

How many branches does Texoma Community Credit Union operate?

Texoma Community 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 Texoma Community Credit Union?

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

Does Texoma Community Credit Union offer online and mobile banking?

Most modern institutions like Texoma Community 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.texomacu.com.