Best Credit Union Savings and Money Market Rates in Texas, TX July 26, 2024

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 - July 26, 2024

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
Neches Restrictions	9.57% 0.60% 0.10%	$0 $50,000 $2,000	Learn More Add Review
Chevron Restrictions	7.00%	$25	Learn More Add Review
Spectrum	5.20% 4.80% 4.00% 3.90% 3.75%	$25,000 $10,000 $0 $50,000 $2,500	Learn More Add Review
Rate History: 3.55% → 3.80% → 5.20%
Credit Union Of Texas Restrictions	4.25% 2.00% 1.35% 1.25% 1.00%	$750,000 $250,000 $25,000 $0 $0	Learn More Add Review
Baxter Restrictions	4.25% 0.80% 0.70% 0.45% 0.40% 0.30%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
Chevron Restrictions	4.00% 3.90% 3.80% 3.75% 0.75%	$100,000 $50,000 $25,000 $2,500 $0	Learn More Add Review
Rate History: 3.75% → 4.00%
Rally Restrictions	4.00% 3.00% 0.65% 0.50%	$250,000 $100,000 $50,000 $0	Learn More Add Review
Rate History: 2.08% → 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 Add Review
State Farm Restrictions	3.56%	$0	Learn More
Rate History: 2.79% → 3.05% → 3.30% → 3.56%
Roy Sherman \| Mar 4, 2020 Savings Read More Reviews (2)
Air Force Restrictions	3.00%	$0	Learn More Add Review
Eecu Restrictions	2.78% 2.63% 2.53% 2.17% 1.87%	$90,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Security Service Restrictions	2.53%	$0	Learn More
long time disgruntled \| 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 Reviews (1)
Baxter Restrictions	2.50% 2.00%	$25,000 $25	Learn More Add Review
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
Slynyrd \| 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 Reviews (2)
Randolph-brooks Restrictions	2.27%	$2,500	Learn More Add Review
Shell Restrictions	2.25% 1.95% 1.85% 1.75%	$50,000 $25,000 $10,000 $2,500	Learn More
Jamaal D. Robinson \| 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 Reviews (1)
Navy Federal Credit Union Restrictions	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
Amanda Frank \| 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 Reviews (19)
Chartway Restrictions	2.25% 1.00% 0.75%	$500,000 $250,000 $100,000	Learn More Add Review
American Airlines Restrictions	2.22%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
University Restrictions	2.18% 0.86% 0.31% 0.12%	$1,000,000 $500,000 $100,000 $50,000	Learn More
Rate History: 2.25% → 4.25% → 2.18%
SK.ATX \| Jan 1, 2022 Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More Reviews (1)
Nusenda Restrictions	2.05% 2.00% 0.35%	$100,000 $2,500 $0	Learn More
Jessica \| Dec 16, 2020 Nusenda Credit Union are unprofessional and a big waste of time. Read More Reviews (3)
Wellby Restrictions	2.02% 1.77% 1.51% 1.26% 1.01%	$100,000 $50,000 $25,000 $10,000 $0	Learn More
LD \| 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 Reviews (1)
Corporate America Family Restrictions	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 Add Review
City Restrictions	1.95% 1.85% 1.75% 1.65%	$100,000 $50,000 $25,000 $2,500	Learn More Add Review
Southwest Heritage Restrictions	1.76%	$250,000	Learn More Add Review
Credit Union Of Texas Restrictions	1.50%	$40,000	Learn More Add Review
Investex Restrictions	1.41% 1.26%	$20,000 $5,000	Learn More Add Review
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
Csj \| 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 Reviews (1)
Southwest Heritage Restrictions	1.26% 1.00% 0.50%	$100,000 $50,000 $1,500	Learn More Add Review
Air Force Restrictions	1.25% 1.15% 1.00% 0.70% 0.60%	$100,001 $50,001 $25,001 $2,501 $0	Learn More Add Review
Advancial Restrictions	1.22%	$100,000	Learn More Add Review
Premier America Restrictions	1.10% 1.05% 1.00% 0.75% 0.65% 0.55%	$500,000 $250,000 $100,000 $50,000 $25,000 $2,500	Learn More Add Review
Las Colinas Restrictions	1.06% 1.02% 0.10%	$1,000 $0 $2,500	Learn More Add Review
Austin Telco Restrictions	1.06% 0.90% 0.60% 0.50% 0.45% 0.35%	$1,000,000 $500,000 $125,000 $75,000 $25,000 $2,000	Learn More
Rate History: 1.21% → 1.11% → 1.06%
unsatisfied customer \| 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 Reviews (1)
Houston Police Restrictions	1.01%	$2,500	Learn More Add Review
Minimum of 55 years of age or older.
Greenstate Restrictions	1.00%	$100	Learn More
Slynyrd \| 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 Reviews (2)
First Technology Restrictions	0.90% 0.85%	$250,000 $100,000	Learn More Add Review
Delta Community Restrictions	0.85% 0.60% 0.45%	$100,000 $25,000 $1,000	Learn More Add Review
Velocity Restrictions	0.85% 0.75% 0.60%	$90,000 $50,000 $2,000	Learn More Add Review
Westex Restrictions	0.75%	$10,000	Learn More Add Review
Unify Financial Restrictions	0.75% 0.70% 0.65% 0.60%	$100,000 $50,000 $10,000 $2,500	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Spectrum	0.75%	$25	Learn More Add Review
Lone Star Restrictions	0.75%	$2,500	Learn More Add Review
Mobiloil Restrictions	0.75%	$25,000	Learn More Add Review
Community Service Restrictions	0.75%	$10,000	Learn More Add Review
First Technology Restrictions	0.75%	$1	Learn More Add Review
Texas Dow Employees Restrictions	0.70% 0.40% 0.30% 0.20%	$250,000 $100,000 $25,000 $2,500	Learn More
tonaroof \| Jan 24, 2020 This rate is not accurate as it is 2.25% Read More Reviews (1)
A+ Restrictions	0.70% 0.60% 0.10%	$100,000 $25,000 $100	Learn More
Ali123 \| Dec 19, 2019 Ali123 Read More Reviews (1)
Community Service Restrictions	0.70%	$2,500	Learn More Add Review
Complex Community Restrictions	0.68% 0.63% 0.58%	$50,000 $15,000 $10	Learn More Add Review
Southwest 66 Restrictions	0.66% 0.50% 0.40%	$10,000 $25,000 $1,500	Learn More Add Review
Gulf Coast Restrictions	0.65%	$25,000	Learn More Add Review
Port Arthur Community Restrictions	0.60%	$25,000	Learn More Add Review
Farmers Insurance Group Restrictions	0.60% 0.55% 0.50% 0.45% 0.40%	$100,000 $50,000 $25,000 $10,000 $0	Learn More Add Review
Chartway Restrictions	0.60% 0.55% 0.50% 0.45% 0.35% 0.25%	$50,000 $25,000 $10,000 $5,000 $100,000 $2,500	Learn More Add Review
Texas Tech Restrictions	0.60%	$2,500	Learn More Add Review
Coastlife Restrictions	0.60% 0.40%	$25,000 $1,500	Learn More Add Review
Advancial Restrictions	0.56% 0.51% 0.46%	$50,000 $25,000 $2,500	Learn More Add Review
Eecu Restrictions	0.55% 0.50% 0.45%	$100,000 $25,000 $100	Learn More Add Review
Doches Restrictions	0.55%	$25,000	Learn More Add Review
Truwest Restrictions	0.55%	$25,000	Learn More Add Review
Community Resource Restrictions	0.55%	$25,000	Learn More Add Review
Gulf Coast Restrictions	0.55%	$10,000	Learn More Add Review
Texas Health Restrictions	0.51%	$2,500	Learn More Add Review
Port Arthur Community Restrictions	0.50%	$2,500	Learn More Add Review
Security Service Restrictions	0.50% 0.40% 0.10%	$250,001 $50,001 $25,001	Learn More
long time disgruntled \| 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 Reviews (1)
Star Of Texas Restrictions	0.50%	$200,000	Learn More
Max Bartlett \| Sep 8, 2022 Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More Reviews (1)
Fannin County Teachers	0.50%	$2,500	Learn More Add Review
Texas Telcom Restrictions	0.50%	$2,500	Learn More Add Review
Credit Union Of Texas Restrictions	0.50%	$0	Learn More Add Review
Pantex Restrictions	0.50%	$2,500	Learn More Add Review
Southwest Airlines Restrictions	0.50%	$10,000	Learn More Add Review
Chemcel Restrictions	0.50%	$25,000	Learn More Add Review
Fannin	0.50%	$2,500	Learn More
Mark DeMay \| 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 Reviews (1)
Service 1st Restrictions	0.50%	$2,500	Learn More Add Review
Members Choice Of Central Texas Restrictions	0.50%	$25,000	Learn More Add Review
Mobiloil Restrictions	0.50%	$10,000	Learn More Add Review
Education First Restrictions	0.50%	$25,000	Learn More Add Review
United Texas	0.50%	$2,500	Learn More Add Review
Synergy Restrictions	0.50%	$25,000	Learn More Add Review
Houston Restrictions	0.50%	$25,000	Learn More Add Review
Barksdale Restrictions	0.50%	$25,000	Learn More
John joiner \| Jan 8, 2020 Do y’all use the Chex system Read More Reviews (2)
Members First Restrictions	0.45%	$25,000	Learn More Add Review
Community Resource Restrictions	0.45%	$5,000	Learn More Add Review
Alliance	0.45%	$25,000	Learn More Add Review
Resource One Restrictions	0.45%	$50,000	Learn More Add Review
Firstlight Restrictions	0.45%	$25,000	Learn More Add Review
Members Choice Of Central Texas Restrictions	0.45%	$10,000	Learn More Add Review
Doches Restrictions	0.45%	$10,000	Learn More Add Review
Fivepoint Restrictions	0.45%	$25,000	Learn More Add Review
Truwest Restrictions	0.45%	$10,000	Learn More Add Review
Synergy Restrictions	0.45%	$2,500	Learn More Add Review
Houston Restrictions	0.45%	$10,000	Learn More Add Review
Memorial Restrictions	0.45%	$25,000	Learn More Add Review
Kelly Community Restrictions	0.40%	$25,000	Learn More Add Review
Members First Restrictions	0.40%	$10,000	Learn More Add Review
Linkage	0.40%	$2,500	Learn More Add Review
Prestige Community Restrictions	0.40%	$10,000	Learn More Add Review
Community Resource Restrictions	0.40%	$1,000	Learn More Add Review
Alliance	0.40%	$10,000	Learn More Add Review
Southwest Airlines Restrictions	0.40%	$2,500	Learn More Add Review
Baptist Restrictions	0.40%	$2,500	Learn More Add Review
Chemcel Restrictions	0.40%	$2,500	Learn More Add Review
Trugrocer Restrictions	0.40%	$25,000	Learn More Add Review
1st Community Restrictions	0.40%	$25,000	Learn More
Dana Wadge \| 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 Reviews (1)
First Central Restrictions	0.40%	$25,000	Learn More Add Review
Educators Restrictions	0.40%	$2,500	Learn More Add Review
Members Choice Of Central Texas Restrictions	0.40%	$2,500	Learn More Add Review
East Texas Professional Restrictions	0.40%	$25,000	Learn More Add Review
Genco Restrictions	0.40%	$25,000	Learn More Add Review
Education First Restrictions	0.40%	$2,500	Learn More Add Review
Great Plains Restrictions	0.40%	$2,500	Learn More Add Review
Brazos Valley Schools Restrictions	0.40%	$2,500	Learn More Add Review
Golden Triangle Restrictions	0.40%	$2,500	Learn More Add Review
Houston Restrictions	0.40%	$2,500	Learn More Add Review
Bp Restrictions	0.40%	$25,000	Learn More Add Review
Texasgulf Restrictions	0.40%	$10,000	Learn More Add Review
Texas Community	0.40%	$2,500	Learn More Add Review
Texas Bridge Restrictions	0.40%	$25,000	Learn More Add Review
South Texas Area Resources Restrictions	0.40%	$2,500	Learn More
Mike Davidson \| 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 Reviews (1)
Mtcu Restrictions	0.38%	$25,000	Learn More Add Review
Pampa Teachers	0.35%	$2,500	Learn More Add Review
Westex Restrictions	0.35%	$2,500	Learn More Add Review
First Class American Restrictions	0.35%	$25,000	Learn More Add Review
Kelly Community Restrictions	0.35%	$10,000	Learn More Add Review
Wellspring Restrictions	0.35%	$25,000	Learn More Add Review
Alpine Community	0.35%	$2,500	Learn More Add Review
First Community Restrictions	0.35% 0.25% 0.15%	$50,000 $25,000 $100	Learn More Add Review
Yantis	0.35%	$2,500	Learn More Add Review
Security First Restrictions	0.35% 0.30% 0.25% 0.15%	$100,000 $50,000 $100 $2,500	Learn More Add Review
Hereford Texas Restrictions	0.35%	$2,500	Learn More Add Review
Alliance	0.35%	$2,500	Learn More Add Review
Secured Advantage Restrictions	0.35%	$2,500	Learn More Add Review
Texas Trust Restrictions	0.35%	$10,000	Learn More Add Review
Texas People Restrictions	0.35% 0.25% 0.20%	$100,000 $50,000 $25,000	Learn More Add Review
Firstlight Restrictions	0.35%	$10,000	Learn More Add Review
First Basin Restrictions	0.35%	$25,000	Learn More Add Review
First Central Restrictions	0.35%	$2,500	Learn More Add Review
East Texas Professional Restrictions	0.35%	$10,000	Learn More Add Review
Genco Restrictions	0.35%	$10,000	Learn More Add Review
Gulf Restrictions	0.35%	$25,000	Learn More Add Review
A+ Restrictions	0.35%	$2,000	Learn More
Ali123 \| Dec 19, 2019 Ali123 Read More Reviews (1)
Walker County Restrictions	0.35%	$25,000	Learn More Add Review
Smart Financial Restrictions	0.35%	$25,000	Learn More Add Review
First Service Restrictions	0.35%	$25,000	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
Associated Credit Union Of Texas Restrictions	0.35%	$25,000	Learn More Add Review
City Public Service/ibew	0.35%	$25,000	Learn More Add Review
Gulf Coast Educators Restrictions	0.35%	$25,000	Learn More Add Review
Beacon Restrictions	0.35%	$25,000	Learn More Add Review
Energy Capital Restrictions	0.35%	$25,000	Learn More Add Review
Bp Restrictions	0.35%	$2,500	Learn More Add Review
Memorial Restrictions	0.35%	$2,500	Learn More Add Review
Texasgulf Restrictions	0.35%	$2,500	Learn More Add Review
Victoria Teachers Restrictions	0.35%	$2,500	Learn More Add Review
Barksdale Restrictions	0.35%	$2,500	Learn More
John joiner \| Jan 8, 2020 Do y’all use the Chex system Read More Reviews (2)
Mtcu Restrictions	0.32%	$2,500	Learn More Add Review
Baylor Health Care System Restrictions	0.30%	$2,500	Learn More Add Review
Union Square Restrictions	0.30%	$25,000	Learn More Add Review
Premier America Restrictions	0.30%	$0	Learn More Add Review
Prestige Community Restrictions	0.30%	$2,500	Learn More Add Review
Intouch Restrictions	0.30%	$25,000	Learn More Add Review
Access Community Restrictions	0.30%	$25,000	Learn More Add Review
Amarillo Community Restrictions	0.30%	$25,000	Learn More Add Review
Education Restrictions	0.30%	$25,000	Learn More Add Review
Datcu Restrictions	0.30%	$25,000	Learn More Add Review
Randolph-brooks Restrictions	0.30%	$1	Learn More Add Review
Greater Texas Restrictions	0.30%	$25,000	Learn More Add Review
Energy One Restrictions	0.30%	$25,000	Learn More Add Review
Mobility Credit Union Restrictions	0.30%	$25,000	Learn More
Jamaal Robinson \| 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 Reviews (1)
Together Restrictions	0.30%	$25,000	Learn More Add Review
Ep Restrictions	0.30%	$25,000	Learn More Add Review
First Class American Restrictions	0.30%	$10,000	Learn More Add Review
Firstlight Restrictions	0.30%	$2,500	Learn More Add Review
1st Community Restrictions	0.30%	$2,500	Learn More
Dana Wadge \| 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 Reviews (1)
First Basin Restrictions	0.30%	$2,500	Learn More Add Review
Concho Educators Restrictions	0.30%	$25,000	Learn More Add Review
Kelly Community Restrictions	0.30%	$2,500	Learn More Add Review
United Heritage Restrictions	0.30%	$25,000	Learn More Add Review
East Texas Professional Restrictions	0.30%	$2,500	Learn More Add Review
Doches Restrictions	0.30%	$2,500	Learn More Add Review
Genco Restrictions	0.30%	$2,500	Learn More Add Review
Mct Restrictions	0.30%	$2,500	Learn More Add Review
Fivepoint Restrictions	0.30%	$2,500	Learn More Add Review
Border Restrictions	0.30%	$25,000	Learn More Add Review
Kerr County Restrictions	0.30%	$10,000	Learn More Add Review
Velocity Restrictions	0.30% 0.25% 0.20%	$1,500 $500 $100	Learn More Add Review
Texell Restrictions	0.30%	$25,000	Learn More Add Review
Smart Financial Restrictions	0.30%	$10,000	Learn More Add Review
Associated Credit Union Of Texas Restrictions	0.30%	$10,000	Learn More Add Review
Southwest Research Center Restrictions	0.30%	$25,000	Learn More Add Review
City Public Service/ibew	0.30%	$10,000	Learn More Add Review
Amoco Restrictions	0.30%	$25,000	Learn More Add Review
Cal-com Restrictions	0.30%	$2,500	Learn More Add Review
San Patricio County Teachers Restrictions	0.30%	$25,000	Learn More Add Review
Texas Bridge Restrictions	0.30%	$2,500	Learn More Add Review
Cosden Restrictions	0.25%	$2,500	Learn More Add Review
Star Usa Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Texar Restrictions	0.25%	$25,000	Learn More Add Review
Intouch Restrictions	0.25%	$5,000	Learn More Add Review
Family 1st Of Texas	0.25%	$2,500	Learn More Add Review
Lufkin Restrictions	0.25%	$2,500	Learn More Add Review
Rocket	0.25%	$2,500	Learn More Add Review
Corner Stone	0.25%	$25,000	Learn More Add Review
Navy Federal Credit Union Restrictions	0.25%	$5	Learn More
Amanda Frank \| 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 Reviews (19)
Amarillo Community Restrictions	0.25%	$10,000	Learn More Add Review
Westex Restrictions	0.25%	$2,500	Learn More Add Review
Secured Advantage Restrictions	0.25%	$2,500	Learn More Add Review
Datcu Restrictions	0.25%	$10,000	Learn More Add Review
Members Trust Of The Southwest Restrictions	0.25%	$2,500	Learn More Add Review
Fort Worth Community Restrictions	0.25%	$2,500	Learn More Add Review
Xceed Financial Restrictions	0.25%	$10,000	Learn More Add Review
Greater Texas Restrictions	0.25%	$2,500	Learn More Add Review
Delta Community Restrictions	0.25%	$0	Learn More Add Review
Together Restrictions	0.25%	$2,500	Learn More Add Review
Ep Restrictions	0.25%	$2,500	Learn More Add Review
Fort Worth City Restrictions	0.25%	$2,500	Learn More Add Review
Domino Restrictions	0.25%	$2,500	Learn More Add Review
One Source Restrictions	0.25%	$10,000	Learn More Add Review
Firstlight Restrictions	0.25%	$2,500	Learn More Add Review
Complex Community Restrictions	0.25%	$100	Learn More Add Review
First Basin Restrictions	0.25%	$2,500	Learn More Add Review
Members Financial Restrictions	0.25% 0.20% 0.15%	$30,000 $5,000 $2,000	Learn More Add Review
My Community	0.25%	$25,000	Learn More Add Review
Concho Educators Restrictions	0.25%	$10,000	Learn More Add Review
Abilene	0.25%	$25,000	Learn More Add Review
Assemblies Of God Restrictions	0.25%	$2,500	Learn More Add Review
Freestone	0.25%	$25,000	Learn More Add Review
Doches Restrictions	0.25%	$2,500	Learn More Add Review
Mobiloil Restrictions	0.25%	$2,500	Learn More Add Review
Education First Restrictions	0.25%	$2,500	Learn More Add Review
Dugood Restrictions	0.25%	$2,500	Learn More Add Review
Wellspring Restrictions	0.25%	$2,500	Learn More Add Review
Mct Restrictions	0.25%	$2,500	Learn More Add Review
Great Plains Restrictions	0.25%	$2,500	Learn More Add Review
Fivepoint Restrictions	0.25%	$2,500	Learn More Add Review
Border Restrictions	0.25%	$10,000	Learn More Add Review
University Restrictions	0.25%	$5	Learn More
SK.ATX \| Jan 1, 2022 Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More Reviews (1)
Texell Restrictions	0.25%	$10,000	Learn More Add Review
Walker County Restrictions	0.25%	$10,000	Learn More Add Review
Smart Financial Restrictions	0.25%	$2,500	Learn More Add Review
Golden Triangle Restrictions	0.25%	$2,500	Learn More Add Review
Southwest Research Center Restrictions	0.25%	$10,000	Learn More Add Review
Generations Community Restrictions	0.25%	$2,500	Learn More
Hunter1953 \| 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 Reviews (1)
City Public Service/ibew	0.25%	$2,500	Learn More Add Review
Gulf Coast Educators Restrictions	0.25%	$10,000	Learn More Add Review
Beacon Restrictions	0.25%	$10,000	Learn More Add Review
Energy Capital Restrictions	0.25%	$2,500	Learn More Add Review
Primeway Restrictions	0.25%	$25,000	Learn More Add Review
Houston Texas Fire Fighters Restrictions	0.25%	$10,000	Learn More Add Review
Cal-com Restrictions	0.25%	$2,500	Learn More Add Review
Baycel Restrictions	0.25%	$2,500	Learn More Add Review
Tex Mex	0.25%	$2,500	Learn More Add Review
Coastlife Restrictions	0.25%	$50	Learn More Add Review
Rally Restrictions	0.25%	$50	Learn More Add Review
Gulf Coast Restrictions	0.25%	$2,500	Learn More Add Review
Members First Restrictions	0.25%	$2,500	Learn More Add Review
Texas Bridge Restrictions	0.25%	$2,500	Learn More Add Review
Valley Restrictions	0.25%	$2,500	Learn More Add Review
Barksdale Restrictions	0.25%	$2,500	Learn More
John joiner \| Jan 8, 2020 Do y’all use the Chex system Read More Reviews (2)
Communities Of Abilene Restrictions	0.23%	$25,000	Learn More Add Review
Lifetime Restrictions	0.21%	$2,500	Learn More Add Review
North East Texas Restrictions	0.21%	$2,500	Learn More Add Review
Union Square Restrictions	0.20%	$2,500	Learn More Add Review
Edu Restrictions	0.20%	$0	Learn More Add Review
Family 1st Of Texas	0.20%	$2,500	Learn More Add Review
Prestige Community Restrictions	0.20%	$2,500	Learn More Add Review
Corner Stone	0.20%	$10,000	Learn More Add Review
Intouch Restrictions	0.20%	$1	Learn More Add Review
Access Community Restrictions	0.20%	$2,500	Learn More Add Review
Santa Fe Restrictions	0.20%	$2,500	Learn More Add Review
Amarillo Community Restrictions	0.20%	$2,500	Learn More Add Review
Education Restrictions	0.20%	$2,500	Learn More Add Review
Alliance	0.20%	$2,500	Learn More Add Review
Windthorst Restrictions	0.20%	$2,500	Learn More Add Review
4u Restrictions	0.20%	$2,500	Learn More Add Review
City Restrictions	0.20%	$100	Learn More Add Review
Datcu Restrictions	0.20%	$2,500	Learn More Add Review
Members Trust Of The Southwest Restrictions	0.20%	$2,500	Learn More Add Review
Xceed Financial Restrictions	0.20%	$2,500	Learn More Add Review
Energy One Restrictions	0.20%	$2,500	Learn More Add Review
Mobility Credit Union Restrictions	0.20%	$10,000	Learn More
Jamaal Robinson \| 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 Reviews (1)
Justice Restrictions	0.20%	$25,000	Learn More Add Review
Tarrant County's Credit Union Restrictions	0.20%	$25,000	Learn More Add Review
Unity One Restrictions	0.20%	$10,000	Learn More Add Review
First Class American Restrictions	0.20%	$2,500	Learn More Add Review
Members Restrictions	0.20%	$2,500	Learn More Add Review
Trugrocer Restrictions	0.20%	$2,500	Learn More Add Review
White Sands Restrictions	0.20%	$25,000	Learn More Add Review
Mountain Star	0.20%	$25,000	Learn More Add Review
Westex Community	0.20%	$2,500	Learn More Add Review
Southwest 66 Restrictions	0.20%	$1	Learn More Add Review
Concho Valley	0.20%	$2,500	Learn More Add Review
Concho Educators Restrictions	0.20%	$2,500	Learn More Add Review
Trans Texas Southwest Restrictions	0.20%	$25,000	Learn More Add Review
Communities Of Abilene Restrictions	0.20%	$2,500	Learn More Add Review
First Abilene Restrictions	0.20%	$25,000	Learn More
JS \| 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 Reviews (1)
First Central Restrictions	0.20%	$2,500	Learn More Add Review
Educators Restrictions	0.20%	$2,500	Learn More Add Review
Freestone	0.20%	$10,000	Learn More Add Review
Members Choice Of Central Texas Restrictions	0.20%	$2,500	Learn More Add Review
Altra Restrictions	0.20%	$25,000	Learn More Add Review
United	0.20%	$2,500	Learn More Add Review
East Texas Professional Restrictions	0.20%	$2,500	Learn More Add Review
Genco Restrictions	0.20%	$2,500	Learn More Add Review
Mobiloil Restrictions	0.20%	$2,500	Learn More Add Review
Dugood Restrictions	0.20%	$2,500	Learn More Add Review
Gulf Restrictions	0.20%	$2,500	Learn More Add Review
Border Restrictions	0.20%	$2,500	Learn More Add Review
Kerr County Restrictions	0.20%	$2,500	Learn More Add Review
Firstmark Restrictions	0.20%	$25,000	Learn More Add Review
Texell Restrictions	0.20%	$2,500	Learn More Add Review
First Service Restrictions	0.20%	$2,500	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
Neches Restrictions	0.20%	$25	Learn More Add Review
Synergy Restrictions	0.20%	$2,500	Learn More Add Review
Southwest Research Center Restrictions	0.20%	$2,500	Learn More Add Review
Gulf Coast Educators Restrictions	0.20%	$2,500	Learn More Add Review
Primeway Restrictions	0.20%	$2,500	Learn More Add Review
Truity Restrictions	0.20%	$25,000	Learn More Add Review
People's Trust Restrictions	0.20%	$25,000	Learn More Add Review
Bp Restrictions	0.20%	$2,500	Learn More Add Review
Amoco Restrictions	0.20%	$2,500	Learn More Add Review
San Patricio County Teachers Restrictions	0.20%	$2,500	Learn More Add Review
Farmers Insurance Group Restrictions	0.20%	$0	Learn More Add Review
Texas Trust Restrictions	0.16%	$2,500	Learn More Add Review
Mesquite Restrictions	0.15%	$2,500	Learn More Add Review
Star Usa Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Community Service Restrictions	0.15%	$2,500	Learn More Add Review
Texar Restrictions	0.15%	$2,500	Learn More Add Review
Las Colinas Restrictions	0.15% 0.12%	$25,000 $10,000	Learn More Add Review
Shell Restrictions	0.15%	$25	Learn More
Jamaal D. Robinson \| 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 Reviews (1)
Cosden Restrictions	0.15%	$2,500	Learn More Add Review
Corner Stone	0.15%	$2,500	Learn More Add Review
Star Of Texas Restrictions	0.15%	$100	Learn More
Max Bartlett \| Sep 8, 2022 Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More Reviews (1)
Member Preferred Restrictions	0.15% 0.10%	$10,000 $50	Learn More
Jamaal Robinson \| 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 Reviews (1)
Gecu	0.15%	$100	Learn More Add Review
Pentagon Restrictions	0.15%	$100,000	Learn More
Rob \| 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 Reviews (15)
Pampa Teachers	0.15%	$2,500	Learn More Add Review
Texas Tech Restrictions	0.15%	$2,500	Learn More Add Review
4u Restrictions	0.15%	$2,500	Learn More Add Review
Datcu Restrictions	0.15%	$2,500	Learn More Add Review
Fort Worth Community Restrictions	0.15%	$2,500	Learn More Add Review
Go Restrictions	0.15%	$25,000	Learn More Add Review
Energy One Restrictions	0.15%	$2,500	Learn More Add Review
Mobility Credit Union Restrictions	0.15%	$2,500	Learn More
Jamaal Robinson \| 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 Reviews (1)
Chemcel Restrictions	0.15%	$2,500	Learn More Add Review
The Local	0.15%	$25,000	Learn More Add Review
Relyon Restrictions	0.15%	$25,000	Learn More Add Review
Justice Restrictions	0.15%	$2,500	Learn More Add Review
Texas People Restrictions	0.15% 0.10%	$0 $10,000	Learn More Add Review
Members Restrictions	0.15%	$2,500	Learn More Add Review
Gecu Restrictions	0.15%	$100	Learn More
Csj \| 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 Reviews (1)
El Paso Area Teachers Restrictions	0.15%	$25,000	Learn More Add Review
Mountain Star	0.15%	$10,000	Learn More Add Review
West Texas Restrictions	0.15%	$25,000	Learn More Add Review
Southwest Heritage Restrictions	0.15%	$100	Learn More Add Review
My Community	0.15%	$2,500	Learn More Add Review
Abilene	0.15%	$10,000	Learn More Add Review
First Abilene Restrictions	0.15%	$2,500	Learn More
JS \| 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 Reviews (1)
Freestone	0.15%	$2,500	Learn More Add Review
Kelly Community Restrictions	0.15%	$2,500	Learn More Add Review
United Heritage Restrictions	0.15%	$2,500	Learn More Add Review
Sabine Restrictions	0.15%	$2,500	Learn More Add Review
Wellspring Restrictions	0.15%	$2,500	Learn More Add Review
Gulf Restrictions	0.15%	$2,500	Learn More Add Review
Border Restrictions	0.15%	$2,500	Learn More Add Review
Firstmark Restrictions	0.15%	$2,500	Learn More Add Review
United Texas	0.15%	$2,500	Learn More Add Review
Brazos Valley Schools Restrictions	0.15%	$2,500	Learn More Add Review
Walker County Restrictions	0.15%	$2,500	Learn More Add Review
Smart Financial Restrictions	0.15%	$2,500	Learn More Add Review
Riverland Restrictions	0.15%	$2,500	Learn More Add Review
Associated Credit Union Of Texas Restrictions	0.15%	$2,500	Learn More Add Review
Port Arthur Community Restrictions	0.15%	$2,500	Learn More Add Review
River City Restrictions	0.15%	$25,000	Learn More Add Review
H E B Restrictions	0.15%	$2,500	Learn More Add Review
Capitol Restrictions	0.15%	$2,500	Learn More Add Review
Gulf Coast Educators Restrictions	0.15%	$2,500	Learn More Add Review
Truity Restrictions	0.15%	$2,500	Learn More Add Review
Members Choice Restrictions	0.15% 0.10%	$50,000 $2,000	Learn More Add Review
Houston Metropolitan Restrictions	0.15%	$2,500	Learn More Add Review
Houston Texas Fire Fighters Restrictions	0.15%	$2,500	Learn More Add Review
People's Trust Restrictions	0.15%	$2,500	Learn More Add Review
Memorial Restrictions	0.15%	$2,500	Learn More Add Review
Harris County Restrictions	0.15%	$100	Learn More Add Review
Texasgulf Restrictions	0.15%	$2,500	Learn More Add Review
South Texas Area Resources Restrictions	0.15%	$2,500	Learn More
Mike Davidson \| 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 Reviews (1)
Valley Restrictions	0.15%	$2,500	Learn More Add Review
Heritage Usa Restrictions	0.13%	$25,000	Learn More Add Review
Baptist Restrictions	0.11%	$2,500	Learn More Add Review
North East Texas Restrictions	0.11%	$2,500	Learn More Add Review
Texas Health Restrictions	0.11%	$2,500	Learn More Add Review
Texar Restrictions	0.10%	$100	Learn More Add Review
Wichita Falls Teachers Restrictions	0.10%	$50	Learn More Add Review
Neighborhood Restrictions	0.10%	$100	Learn More Add Review
Star Usa Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Union Square Restrictions	0.10%	$25	Learn More Add Review
Texas Dow Employees Restrictions	0.10%	$0	Learn More
tonaroof \| Jan 24, 2020 This rate is not accurate as it is 2.25% Read More Reviews (1)
Community Resource Restrictions	0.10%	$100	Learn More Add Review
Allied Restrictions	0.10%	$2,500	Learn More Add Review
Corner Stone	0.10%	$2,500	Learn More Add Review
Living In Fulfillment Everyday Restrictions	0.10%	$2,500	Learn More Add Review
Unify Financial Restrictions	0.10%	$5	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Access Community Restrictions	0.10%	$2,500	Learn More Add Review
F A A Restrictions	0.10%	$2,500	Learn More Add Review
Bayer Heritage Restrictions	0.10%	$5	Learn More Add Review
Education Restrictions	0.10%	$2,500	Learn More Add Review
The People's Restrictions	0.10%	$2,500	Learn More Add Review
South Texas Regional	0.10%	$2,500	Learn More Add Review
Caprock Restrictions	0.10%	$2,500	Learn More Add Review
Texoma Community Restrictions	0.10%	$2,500	Learn More Add Review
Postel Family Restrictions	0.10%	$2,500	Learn More Add Review
Texoma Educators Restrictions	0.10%	$2,500	Learn More Add Review
Texans Restrictions	0.10%	$25,000	Learn More Add Review
Texas Trust Restrictions	0.10%	$2,500	Learn More Add Review
Members Financial Restrictions	0.10%	$50,000	Learn More Add Review
Advancial Restrictions	0.10%	$100	Learn More Add Review
Metro Medical Restrictions	0.10%	$10,000	Learn More Add Review
Go Restrictions	0.10%	$10,000	Learn More Add Review
Libertyone Restrictions	0.10%	$2,500	Learn More Add Review
Southwest Airlines Restrictions	0.10%	$2,500	Learn More Add Review
Together Restrictions	0.10%	$2,500	Learn More Add Review
Geico Restrictions	0.10%	$25,000	Learn More Add Review
The Local	0.10%	$2,500	Learn More Add Review
Relyon Restrictions	0.10%	$2,500	Learn More Add Review
Lone Star Restrictions	0.10%	$0	Learn More Add Review
Tarrant County's Credit Union Restrictions	0.10%	$2,500	Learn More Add Review
My Restrictions	0.10%	$2,500	Learn More Add Review
Unity One Restrictions	0.10%	$2,500	Learn More Add Review
Ep Restrictions	0.10%	$2,500	Learn More Add Review
First Class American Restrictions	0.10%	$2,500	Learn More Add Review
Trugrocer Restrictions	0.10%	$2,500	Learn More Add Review
Mil-way Restrictions	0.10%	$2,500	Learn More Add Review
One Source Restrictions	0.10%	$2,500	Learn More Add Review
El Paso Area Teachers Restrictions	0.10%	$10,000	Learn More Add Review
White Sands Restrictions	0.10%	$2,500	Learn More Add Review
Mountain Star	0.10%	$2,500	Learn More Add Review
West Texas Restrictions	0.10%	$2,500	Learn More Add Review
1st Community Restrictions	0.10%	$2,500	Learn More
Dana Wadge \| 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 Reviews (1)
Citizens Restrictions	0.10%	$2,500	Learn More Add Review
San Angelo	0.10%	$2,500	Learn More Add Review
Trans Texas Southwest Restrictions	0.10%	$2,500	Learn More Add Review
Communities Of Abilene Restrictions	0.10%	$2,500	Learn More Add Review
First Abilene Restrictions	0.10%	$2,500	Learn More
JS \| 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 Reviews (1)
Mid-tex	0.10%	$2,500	Learn More Add Review
Assemblies Of God Restrictions	0.10%	$2,500	Learn More Add Review
Centex Citizens Restrictions	0.10%	$2,500	Learn More Add Review
Altra Restrictions	0.10%	$2,500	Learn More Add Review
United Heritage Restrictions	0.10%	$2,500	Learn More Add Review
Austin Telco Restrictions	0.10%	$100	Learn More
Rate History: 0.15% → 0.10%
unsatisfied customer \| 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 Reviews (1)
Truwest Restrictions	0.10%	$2,500	Learn More Add Review
Greater Central Texas	0.10%	$25,000	Learn More Add Review
Associated Credit Union Of Texas Restrictions	0.10%	$2,500	Learn More Add Review
River City Restrictions	0.10%	$2,500	Learn More Add Review
Alamo City Restrictions	0.10%	$2,500	Learn More Add Review
H E B Restrictions	0.10%	$2,500	Learn More Add Review
City Public Service/ibew	0.10%	$2,500	Learn More Add Review
Beacon Restrictions	0.10%	$2,500	Learn More Add Review
Wellby Restrictions	0.10%	$0	Learn More
LD \| 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 Reviews (1)
Shared Resources Restrictions	0.10%	$2,500	Learn More Add Review
Truity Restrictions	0.10%	$2,500	Learn More Add Review

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.

See rates for Local Banks →

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.