Texas

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Texas Credit Union Savings Rates

You are viewing savings rates from credit unions across Texas

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

TX - November 4, 2024

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

4.25%

2.00%
1.35%
1.25%
1.00%

$750,000

$250,000
$25,000
$0
$0
Learn More

12 Month Introductory Rate

Rate History: 3.05% → 3.30% → 3.56% → 3.82% → 4.08%

| Mar 4, 2020

Savings Read More

Rate History: 3.75% → 4.00%

Rate History: 0.75% → 4.00%

First Community


Restrictions

3.60%

3.00%
2.50%
2.25%
2.00%

$1,000,000

$500,000
$200,000
$100,000
$25,000
Learn More

Rate History: 2.08% → 4.00% → 3.50%

Air Force


Restrictions

3.00%

$0

Learn More

Eecu


Restrictions

2.78%

2.63%
2.38%
2.17%
1.87%

$90,000

$50,000
$25,000
$10,000
$2,500
Learn More

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

Greenstate


Restrictions

2.45%

2.25%
2.05%
1.85%
1.65%
1.45%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$2,500
Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

2.25%

2.05%
1.85%
1.65%
1.50%
1.10%
1.06%
0.95%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$25,000
$10,000
$2,500
Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

American Airlines


Restrictions

2.22%

$5

Learn More

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 2.25% → 4.25% → 2.18%

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

Wellby


Restrictions

2.02%

1.77%
1.51%
1.26%
1.01%

$100,000

$50,000
$25,000
$10,000
$0
Learn More

| Nov 24, 2020

Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More

2.02%

1.51%
1.26%
1.01%
0.90%
0.80%
0.70%

$250,000

$100,000
$50,000
$25,000
$10,000
$2,500
$1,000
Learn More

1.76%

$250,000

Learn More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Rate History: 2.05% → 1.75%

| Dec 16, 2020

Nusenda Credit Union are unprofessional and a big waste of time. Read More

1.50%

$40,000

Learn More

Gecu


Restrictions

1.35%

1.25%
1.15%
0.95%
0.85%
0.75%
0.60%
0.55%

$500,000

$250,000
$100,000
$50,000
$25,000
$10,000
$5,000
$2,500
Learn More

| Jun 14, 2019

This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to... Read More

1.26%

1.00%
0.50%

$100,000

$50,000
$1,500
Learn More

Air Force


Restrictions

1.25%

1.15%
1.00%
0.70%
0.60%

$100,001

$50,001
$25,001
$2,501
$0
Learn More

Advancial


Restrictions

1.22%

$100,000

Learn More

Minimum of 55 years of age or older.

Greenstate


Restrictions

1.00%

$100

Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

Rate History: 1.21% → 1.11% → 1.06% → 0.95%

| Jan 21, 2021

Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More

First Technology


Restrictions

0.90%

0.85%

$250,000

$100,000
Learn More

Velocity


Restrictions

0.85%

0.75%
0.60%

$90,000

$50,000
$2,000
Learn More

Westex


Restrictions

0.75%

$10,000

Learn More

Unify Financial


Restrictions

0.75%

0.70%
0.65%
0.60%

$100,000

$50,000
$10,000
$2,500
Learn More

| May 12, 2016

19 what, years or months Read More

Rate History: 0.85% → 0.75%

Lone Star


Restrictions

0.75%

$2,500

Learn More

Mobiloil


Restrictions

0.75%

$25,000

Learn More

Community Service


Restrictions

0.75%

$10,000

Learn More

First Technology


Restrictions

0.75%

$1

Learn More

A+


Restrictions

0.70%

0.60%
0.10%

$100,000

$25,000
$100
Learn More

| Dec 19, 2019

Ali123 Read More

Community Service


Restrictions

0.70%

$2,500

Learn More

Gulf Coast


Restrictions

0.65%

$25,000

Learn More

0.60%

$25,000

Learn More

Texas Tech


Restrictions

0.60%

$2,500

Learn More

Coastlife


Restrictions

0.60%

0.40%

$25,000

$1,500
Learn More

Eecu


Restrictions

0.55%

0.50%
0.45%

$100,000

$25,000
$100
Learn More

Doches


Restrictions

0.55%

$25,000

Learn More

Truwest


Restrictions

0.55%

$25,000

Learn More

0.55%

$25,000

Learn More

Gulf Coast


Restrictions

0.55%

$10,000

Learn More

Texas Health


Restrictions

0.51%

$2,500

Learn More

0.50%

$2,500

Learn More

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

0.50%

$2,500

Learn More

Texas Telcom


Restrictions

0.50%

$2,500

Learn More

0.50%

$0

Learn More

Pantex


Restrictions

0.50%

$2,500

Learn More

0.50%

$10,000

Learn More

Chemcel


Restrictions

0.50%

$25,000

Learn More

0.50%

$2,500

Learn More

| May 20, 2022

Avoid this bank! After almost 20 years as a customer with multiple auto and other loans paid on time, Car Max gave us a better rate which shows they could care less about loyalty. Debit cards constantly ha... Read More

Service 1st


Restrictions

0.50%

$2,500

Learn More

0.50%

$25,000

Learn More

Mobiloil


Restrictions

0.50%

$10,000

Learn More

Education First


Restrictions

0.50%

$25,000

Learn More

0.50%

$2,500

Learn More

Synergy


Restrictions

0.50%

$25,000

Learn More

Houston


Restrictions

0.50%

$25,000

Learn More

Barksdale


Restrictions

0.50%

$25,000

Learn More

| Jan 8, 2020

Do y’all use the Chex system Read More

Members First


Restrictions

0.45%

$25,000

Learn More

0.45%

$5,000

Learn More

0.45%

$25,000

Learn More

Resource One


Restrictions

0.45%

$50,000

Learn More

Firstlight


Restrictions

0.45%

$25,000

Learn More

0.45%

$10,000

Learn More

Doches


Restrictions

0.45%

$10,000

Learn More

Fivepoint


Restrictions

0.45%

$25,000

Learn More

Truwest


Restrictions

0.45%

$10,000

Learn More

Synergy


Restrictions

0.45%

$2,500

Learn More

Houston


Restrictions

0.45%

$10,000

Learn More

Memorial


Restrictions

0.45%

$25,000

Learn More

Kelly Community


Restrictions

0.40%

$25,000

Learn More

Members First


Restrictions

0.40%

$10,000

Learn More

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

0.40%

$2,500

Learn More

0.40%

$10,000

Learn More

0.40%

$1,000

Learn More

0.40%

$10,000

Learn More

0.40%

$2,500

Learn More

Baptist


Restrictions

0.40%

$2,500

Learn More

Chemcel


Restrictions

0.40%

$2,500

Learn More

Trugrocer


Restrictions

0.40%

$25,000

Learn More

1st Community


Restrictions

0.40%

$25,000

Learn More

| Jun 9, 2016

I have been a member of 1st Community Federal Credit Union since 1977 and no matter where I am stationed or what state or country I'm in I know that I can call them for help. I started my savings account w... Read More

First Central


Restrictions

0.40%

$25,000

Learn More

Educators


Restrictions

0.40%

$2,500

Learn More

0.40%

$2,500

Learn More

0.40%

$25,000

Learn More

Genco


Restrictions

0.40%

$25,000

Learn More

Education First


Restrictions

0.40%

$2,500

Learn More

Great Plains


Restrictions

0.40%

$2,500

Learn More

0.40%

$2,500

Learn More

Golden Triangle


Restrictions

0.40%

$2,500

Learn More

Houston


Restrictions

0.40%

$2,500

Learn More

Bp


Restrictions

0.40%

$25,000

Learn More

Texasgulf


Restrictions

0.40%

$10,000

Learn More

0.40%

$2,500

Learn More

Texas Bridge


Restrictions

0.40%

$25,000

Learn More

0.40%

$2,500

Learn More

| Aug 7, 2019

Friendly, professional, tellers who are always willing to help and explain things to us members. They work hard to find ways to give you a loan and at the best rates they can give out. I go my first car ... Read More

Mtcu


Restrictions

0.38%

$25,000

Learn More

0.35%

$2,500

Learn More

Westex


Restrictions

0.35%

$2,500

Learn More

0.35%

$25,000

Learn More

Kelly Community


Restrictions

0.35%

$10,000

Learn More

Wellspring


Restrictions

0.35%

$25,000

Learn More

0.35%

$2,500

Learn More

First Community


Restrictions

0.35%

0.25%
0.15%

$50,000

$25,000
$100
Learn More

0.35%

$2,500

Learn More

Hereford Texas


Restrictions

0.35%

$2,500

Learn More

0.35%

$2,500

Learn More

Secured Advantage


Restrictions

0.35%

$2,500

Learn More

Texas Trust


Restrictions

0.35%

$10,000

Learn More

Firstlight


Restrictions

0.35%

$10,000

Learn More

First Basin


Restrictions

0.35%

$25,000

Learn More

First Central


Restrictions

0.35%

$2,500

Learn More

0.35%

$10,000

Learn More

Genco


Restrictions

0.35%

$10,000

Learn More

Gulf


Restrictions

0.35%

$25,000

Learn More

| Dec 19, 2019

Ali123 Read More

Walker County


Restrictions

0.35%

$25,000

Learn More

Smart Financial


Restrictions

0.35%

$25,000

Learn More

First Service


Restrictions

0.35%

$25,000

Learn More

| Sep 21, 2017

friendly and knowledgeable and fun. what more could you ask for? Read More

0.35%

$25,000

Learn More

0.35%

$25,000

Learn More

0.35%

$25,000

Learn More

Beacon


Restrictions

0.35%

$25,000

Learn More

Energy Capital


Restrictions

0.35%

$25,000

Learn More

Bp


Restrictions

0.35%

$2,500

Learn More

Memorial


Restrictions

0.35%

$2,500

Learn More

Texasgulf


Restrictions

0.35%

$2,500

Learn More

Victoria Teachers


Restrictions

0.35%

$2,500

Learn More

Barksdale


Restrictions

0.35%

$2,500

Learn More

| Jan 8, 2020

Do y’all use the Chex system Read More

Mtcu


Restrictions

0.32%

$2,500

Learn More

0.30%

$2,500

Learn More

Union Square


Restrictions

0.30%

$25,000

Learn More

0.30%

$2,500

Learn More

Intouch


Restrictions

0.30%

$25,000

Learn More

Access Community


Restrictions

0.30%

$25,000

Learn More

0.30%

$25,000

Learn More

Education


Restrictions

0.30%

$25,000

Learn More

Datcu


Restrictions

0.30%

$25,000

Learn More

Greater Texas


Restrictions

0.30%

$25,000

Learn More

Energy One


Restrictions

0.30%

$25,000

Learn More

0.30%

$25,000

Learn More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Together


Restrictions

0.30%

$25,000

Learn More

Ep


Restrictions

0.30%

$25,000

Learn More

0.30%

$10,000

Learn More

Firstlight


Restrictions

0.30%

$2,500

Learn More

1st Community


Restrictions

0.30%

$2,500

Learn More

| Jun 9, 2016

I have been a member of 1st Community Federal Credit Union since 1977 and no matter where I am stationed or what state or country I'm in I know that I can call them for help. I started my savings account w... Read More

First Basin


Restrictions

0.30%

$2,500

Learn More

Concho Educators


Restrictions

0.30%

$25,000

Learn More

Kelly Community


Restrictions

0.30%

$2,500

Learn More

United Heritage


Restrictions

0.30%

$25,000

Learn More

0.30%

$2,500

Learn More

Doches


Restrictions

0.30%

$2,500

Learn More

Genco


Restrictions

0.30%

$2,500

Learn More

Mct


Restrictions

0.30%

$2,500

Learn More

Fivepoint


Restrictions

0.30%

$2,500

Learn More

Border


Restrictions

0.30%

$25,000

Learn More

Kerr County


Restrictions

0.30%

$10,000

Learn More

Velocity


Restrictions

0.30%

0.25%
0.20%

$1,500

$500
$100
Learn More

Texell


Restrictions

0.30%

$25,000

Learn More

Smart Financial


Restrictions

0.30%

$10,000

Learn More

0.30%

$10,000

Learn More

0.30%

$25,000

Learn More

0.30%

$10,000

Learn More

Amoco


Restrictions

0.30%

$25,000

Learn More

Cal-com


Restrictions

0.30%

$2,500

Learn More

0.30%

$25,000

Learn More

Texas Bridge


Restrictions

0.30%

$2,500

Learn More

Cosden


Restrictions

0.25%

$2,500

Learn More

Star Usa


Restrictions

0.25%

$50,000

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Texar


Restrictions

0.25%

$25,000

Learn More

Intouch


Restrictions

0.25%

$5,000

Learn More

0.25%

$2,500

Learn More

Lufkin


Restrictions

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

0.25%

$5

Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

0.25%

$10,000

Learn More

Westex


Restrictions

0.25%

$2,500

Learn More

Secured Advantage


Restrictions

0.25%

$2,500

Learn More

Datcu


Restrictions

0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

Xceed Financial


Restrictions

0.25%

$10,000

Learn More

Greater Texas


Restrictions

0.25%

$2,500

Learn More

Together


Restrictions

0.25%

$2,500

Learn More

Ep


Restrictions

0.25%

$2,500

Learn More

Fort Worth City


Restrictions

0.25%

$2,500

Learn More

Domino


Restrictions

0.25%

$2,500

Learn More

One Source


Restrictions

0.25%

$10,000

Learn More

Firstlight


Restrictions

0.25%

$2,500

Learn More

First Basin


Restrictions

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

Concho Educators


Restrictions

0.25%

$10,000

Learn More

0.25%

$25,000

Learn More

Assemblies Of God


Restrictions

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

Doches


Restrictions

0.25%

$2,500

Learn More

Mobiloil


Restrictions

0.25%

$2,500

Learn More

Education First


Restrictions

0.25%

$2,500

Learn More

Dugood


Restrictions

0.25%

$2,500

Learn More

Wellspring


Restrictions

0.25%

$2,500

Learn More

Mct


Restrictions

0.25%

$2,500

Learn More

Great Plains


Restrictions

0.25%

$2,500

Learn More

Fivepoint


Restrictions

0.25%

$2,500

Learn More

Border


Restrictions

0.25%

$10,000

Learn More

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

Texell


Restrictions

0.25%

$10,000

Learn More

Walker County


Restrictions

0.25%

$10,000

Learn More

Smart Financial


Restrictions

0.25%

$2,500

Learn More

Golden Triangle


Restrictions

0.25%

$2,500

Learn More

0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

| Sep 26, 2022

Rec'd called from Monica from Collection and wanted to collect on my Mortgage payment and to make a long story short come to find out payment was taken out on September 23, 2022. She was rude and all she ... Read More

0.25%

$2,500

Learn More

0.25%

$10,000

Learn More

Beacon


Restrictions

0.25%

$10,000

Learn More

Energy Capital


Restrictions

0.25%

$2,500

Learn More

Primeway


Restrictions

0.25%

$25,000

Learn More

0.25%

$10,000

Learn More

Cal-com


Restrictions

0.25%

$2,500

Learn More

Baycel


Restrictions

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

Coastlife


Restrictions

0.25%

$50

Learn More

Rally


Restrictions

0.25%

$50

Learn More

Gulf Coast


Restrictions

0.25%

$2,500

Learn More

Members First


Restrictions

0.25%

$2,500

Learn More

Texas Bridge


Restrictions

0.25%

$2,500

Learn More

Valley


Restrictions

0.25%

$2,500

Learn More

Barksdale


Restrictions

0.25%

$2,500

Learn More

| Jan 8, 2020

Do y’all use the Chex system Read More

0.23%

$25,000

Learn More

Lifetime


Restrictions

0.21%

$2,500

Learn More

North East Texas


Restrictions

0.21%

$2,500

Learn More

Union Square


Restrictions

0.20%

$2,500

Learn More

Edu


Restrictions

0.20%

$0

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

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0.20%

$10,000

Learn More

Intouch


Restrictions

0.20%

$1

Learn More

Access Community


Restrictions

0.20%

$2,500

Learn More

Santa Fe


Restrictions

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Education


Restrictions

0.20%

$2,500

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0.20%

$2,500

Learn More

Windthorst


Restrictions

0.20%

$2,500

Learn More

4u


Restrictions

0.20%

$2,500

Learn More

City


Restrictions

0.20%

$100

Learn More

Datcu


Restrictions

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Xceed Financial


Restrictions

0.20%

$2,500

Learn More

Energy One


Restrictions

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Justice


Restrictions

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

Unity One


Restrictions

0.20%

$10,000

Learn More

0.20%

$2,500

Learn More

Members


Restrictions

0.20%

$2,500

Learn More

Trugrocer


Restrictions

0.20%

$2,500

Learn More

White Sands


Restrictions

0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Concho Educators


Restrictions

0.20%

$2,500

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

First Abilene


Restrictions

0.20%

$25,000

Learn More

| Jul 9, 2022

This is the worst credit union I have ever worked with. I have been a member of several other credit unions over the years and loved them. I moved to Abilene and opened an account with First Abilene FCU ... Read More

First Central


Restrictions

0.20%

$2,500

Learn More

Educators


Restrictions

0.20%

$2,500

Learn More

0.20%

$10,000

Learn More

0.20%

$2,500

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Altra


Restrictions

0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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Genco


Restrictions

0.20%

$2,500

Learn More

Mobiloil


Restrictions

0.20%

$2,500

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Dugood


Restrictions

0.20%

$2,500

Learn More

Gulf


Restrictions

0.20%

$2,500

Learn More

Border


Restrictions

0.20%

$2,500

Learn More

Kerr County


Restrictions

0.20%

$2,500

Learn More

Firstmark


Restrictions

0.20%

$25,000

Learn More

Texell


Restrictions

0.20%

$2,500

Learn More

First Service


Restrictions

0.20%

$2,500

Learn More

| Sep 21, 2017

friendly and knowledgeable and fun. what more could you ask for? Read More

Synergy


Restrictions

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Primeway


Restrictions

0.20%

$2,500

Learn More

Truity


Restrictions

0.20%

$25,000

Learn More

People's Trust


Restrictions

0.20%

$25,000

Learn More

Bp


Restrictions

0.20%

$2,500

Learn More

Amoco


Restrictions

0.20%

$2,500

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0.20%

$2,500

Learn More

Texas Trust


Restrictions

0.16%

$2,500

Learn More

Mesquite


Restrictions

0.15%

$2,500

Learn More

Star Usa


Restrictions

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Community Service


Restrictions

0.15%

$2,500

Learn More

Texar


Restrictions

0.15%

$2,500

Learn More

Cosden


Restrictions

0.15%

$2,500

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0.15%

$2,500

Learn More

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and was wondering what the criteria for becoming a member and depositing a CD of around $150k to $200k. We are looking to move a large some... Read More

0.15%

$100

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Pentagon


Restrictions

0.15%

$100,000

Learn More

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

0.15%

$2,500

Learn More

Texas Tech


Restrictions

0.15%

$2,500

Learn More

4u


Restrictions

0.15%

$2,500

Learn More

Datcu


Restrictions

0.15%

$2,500

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0.15%

$2,500

Learn More

Go


Restrictions

0.15%

$25,000

Learn More

Energy One


Restrictions

0.15%

$2,500

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0.15%

$2,500

Learn More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Chemcel


Restrictions

0.15%

$2,500

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0.15%

$25,000

Learn More

Relyon


Restrictions

0.15%

$25,000

Learn More

Justice


Restrictions

0.15%

$2,500

Learn More

Texas People


Restrictions

0.15%

0.10%

$0

$10,000
Learn More

Members


Restrictions

0.15%

$2,500

Learn More

Gecu


Restrictions

0.15%

$100

Learn More

| Jun 14, 2019

This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to... Read More

0.15%

$25,000

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0.15%

$10,000

Learn More

West Texas


Restrictions

0.15%

$25,000

Learn More

0.15%

$100

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0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

First Abilene


Restrictions

0.15%

$2,500

Learn More

| Jul 9, 2022

This is the worst credit union I have ever worked with. I have been a member of several other credit unions over the years and loved them. I moved to Abilene and opened an account with First Abilene FCU ... Read More

0.15%

$2,500

Learn More

Kelly Community


Restrictions

0.15%

$2,500

Learn More

United Heritage


Restrictions

0.15%

$2,500

Learn More

Sabine


Restrictions

0.15%

$2,500

Learn More

Wellspring


Restrictions

0.15%

$2,500

Learn More

Gulf


Restrictions

0.15%

$2,500

Learn More

Border


Restrictions

0.15%

$2,500

Learn More

Firstmark


Restrictions

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

Walker County


Restrictions

0.15%

$2,500

Learn More

Smart Financial


Restrictions

0.15%

$2,500

Learn More

Riverland


Restrictions

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

River City


Restrictions

0.15%

$25,000

Learn More

H E B


Restrictions

0.15%

$2,500

Learn More

Capitol


Restrictions

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

Truity


Restrictions

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

People's Trust


Restrictions

0.15%

$2,500

Learn More

Memorial


Restrictions

0.15%

$2,500

Learn More

Texasgulf


Restrictions

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

| Aug 7, 2019

Friendly, professional, tellers who are always willing to help and explain things to us members. They work hard to find ways to give you a loan and at the best rates they can give out. I go my first car ... Read More

Valley


Restrictions

0.15%

$2,500

Learn More

Heritage Usa


Restrictions

0.13%

$25,000

Learn More

Baptist


Restrictions

0.11%

$2,500

Learn More

North East Texas


Restrictions

0.11%

$2,500

Learn More

Texas Health


Restrictions

0.11%

$2,500

Learn More

Texar


Restrictions

0.10%

$100

Learn More

0.10%

$50

Learn More

Neighborhood


Restrictions

0.10%

$100

Learn More

Star Usa


Restrictions

0.10%

$10

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Union Square


Restrictions

0.10%

$25

Learn More

0.10%

$0

Learn More

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

0.10%

$100

Learn More

Allied


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Unify Financial


Restrictions

0.10%

$5

Learn More

| May 12, 2016

19 what, years or months Read More

Access Community


Restrictions

0.10%

$2,500

Learn More

F A A


Restrictions

0.10%

$2,500

Learn More

Education


Restrictions

0.10%

$2,500

Learn More

The People's


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Caprock


Restrictions

0.10%

$2,500

Learn More

Texoma Community


Restrictions

0.10%

$2,500

Learn More

Postel Family


Restrictions

0.10%

$2,500

Learn More

Texoma Educators


Restrictions

0.10%

$2,500

Learn More

Texans


Restrictions

0.10%

$25,000

Learn More

Texas Trust


Restrictions

0.10%

$2,500

Learn More

Metro Medical


Restrictions

0.10%

$10,000

Learn More

Go


Restrictions

0.10%

$10,000

Learn More

Libertyone


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Together


Restrictions

0.10%

$2,500

Learn More

Geico


Restrictions

0.10%

$25,000

Learn More

0.10%

$2,500

Learn More

Relyon


Restrictions

0.10%

$2,500

Learn More

Lone Star


Restrictions

0.10%

$0

Learn More

0.10%

$2,500

Learn More

My


Restrictions

0.10%

$2,500

Learn More

Unity One


Restrictions

0.10%

$2,500

Learn More

Ep


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Trugrocer


Restrictions

0.10%

$2,500

Learn More

Mil-way


Restrictions

0.10%

$2,500

Learn More

One Source


Restrictions

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

White Sands


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

West Texas


Restrictions

0.10%

$2,500

Learn More

1st Community


Restrictions

0.10%

$2,500

Learn More

| Jun 9, 2016

I have been a member of 1st Community Federal Credit Union since 1977 and no matter where I am stationed or what state or country I'm in I know that I can call them for help. I started my savings account w... Read More

Citizens


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

First Abilene


Restrictions

0.10%

$2,500

Learn More

| Jul 9, 2022

This is the worst credit union I have ever worked with. I have been a member of several other credit unions over the years and loved them. I moved to Abilene and opened an account with First Abilene FCU ... Read More

0.10%

$2,500

Learn More

Assemblies Of God


Restrictions

0.10%

$2,500

Learn More

Centex Citizens


Restrictions

0.10%

$2,500

Learn More

Altra


Restrictions

0.10%

$2,500

Learn More

United Heritage


Restrictions

0.10%

$2,500

Learn More

Rate History: 0.15% → 0.10%

| Jan 21, 2021

Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More

Truwest


Restrictions

0.10%

$2,500

Learn More

0.10%

$25,000

Learn More

0.10%

$2,500

Learn More

River City


Restrictions

0.10%

$2,500

Learn More

Alamo City


Restrictions

0.10%

$2,500

Learn More

H E B


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Beacon


Restrictions

0.10%

$2,500

Learn More

Wellby


Restrictions

0.10%

$0

Learn More

| Nov 24, 2020

Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More

Shared Resources


Restrictions

0.10%

$2,500

Learn More

Truity


Restrictions

0.10%

$2,500

Learn More

Cy-fair


Restrictions

0.10%

$10,000

Learn More

People's Trust


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

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