Best Credit Union Savings and Money Market Rates in Fort Worth, Texas, TX June 15, 2025

You are viewing savings rates from credit unions in Fort Worth, 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.

Fort Worth, TX - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Credit Union Of Texas Credit Union Of Texa Branch Restrictions	4.25% 2.00% 1.35% 1.25% 1.00%	$750,000 $250,000 $25,000 $0 $0	Learn More Add Review
Eecu Eecu Branch Restrictions	2.78% 2.63% 2.38% 2.17% 1.87%	$90,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Navy Federal Credit Union Navy Federal Credit Branch 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)
American Airlines American Airlines Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
Corporate America Family Corporate America Fa Branch 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
Credit Union Of Texas Credit Union Of Texa Branch Restrictions	1.50%	$40,000	Learn More Add Review
Las Colinas Las Colinas Branch Restrictions	1.06% 1.02% 0.10% 0.05%	$1,000 $0 $2,500 $2,000	Learn More Add Review
Delta Community Delta Community Branch Restrictions	0.75% 0.40% 0.30%	$100,000 $25,000 $1,000	Learn More Add Review
Rate History: 0.85% → 0.75%
Eecu Eecu Branch Restrictions	0.55% 0.50% 0.45%	$100,000 $25,000 $100	Learn More Add Review
Credit Union Of Texas Credit Union Of Texa Branch Restrictions	0.50%	$0	Learn More Add Review
Southwest Airlines Southwest Airlines Branch Restrictions	0.50%	$10,000	Learn More Add Review
Chemcel Dallas Office Branch Restrictions	0.50%	$25,000	Learn More Add Review
Resource One Resource One Branch Restrictions	0.45%	$50,000	Learn More Add Review
Southwest Airlines Southwest Airlines Branch Restrictions	0.40%	$2,500	Learn More Add Review
Chemcel Dallas Office Branch Restrictions	0.40%	$2,500	Learn More Add Review
Trugrocer Trugrocer Branch Restrictions	0.40%	$25,000	Learn More Add Review
First Class American Fcacu - South Branch Restrictions	0.35%	$25,000	Learn More Add Review
Texas Trust Headquarters Branch Restrictions	0.35%	$10,000	Learn More Add Review
Texas People Texas People Fcu Branch Restrictions	0.35% 0.25% 0.20%	$100,000 $50,000 $25,000	Learn More Add Review
Intouch Intouch Branch Restrictions	0.30%	$25,000	Learn More Add Review
Datcu Datcu Branch Restrictions	0.30%	$25,000	Learn More Add Review
Greater Texas Greater Texas Branch Restrictions	0.30%	$25,000	Learn More Add Review
Mobility Credit Union Mid-cities Branch 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)
Ep Ft Worth Office Branch Restrictions	0.30%	$25,000	Learn More Add Review
First Class American Fcacu - South Branch Restrictions	0.30%	$10,000	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)
Intouch Intouch Branch Restrictions	0.25%	$5,000	Learn More Add Review
Family 1st Of Texas Family 1st Of Texas Branch	0.25%	$2,500	Learn More Add Review
Navy Federal Credit Union Navy Federal Credit Branch 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)
Datcu Datcu Branch Restrictions	0.25%	$10,000	Learn More Add Review
Fort Worth Community Fort Worth Community Branch Restrictions	0.25%	$2,500	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
Greater Texas Greater Texas Branch Restrictions	0.25%	$2,500	Learn More Add Review
Delta Community Delta Community Branch Restrictions	0.25%	$0	Learn More Add Review
Ep Ft Worth Office Branch Restrictions	0.25%	$2,500	Learn More Add Review
Fort Worth City Main Branch Restrictions	0.25%	$2,500	Learn More Add Review
Lifetime Galaxy Plus Branch Restrictions	0.21%	$2,500	Learn More Add Review
Edu Restrictions	0.20%	$0	Learn More Add Review
Family 1st Of Texas Family 1st Of Texas Branch	0.20%	$2,500	Learn More Add Review
Intouch Intouch Branch Restrictions	0.20%	$1	Learn More Add Review
Datcu Datcu Branch Restrictions	0.20%	$2,500	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
Mobility Credit Union Mid-cities Branch 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)
Tarrant County's Credit Union Tarrant County Branch Restrictions	0.20%	$25,000	Learn More Add Review
Unity One Unity One Branch Restrictions	0.20%	$10,000	Learn More Add Review
First Class American Fcacu - South Branch Restrictions	0.20%	$2,500	Learn More Add Review
Trugrocer Trugrocer Branch Restrictions	0.20%	$2,500	Learn More Add Review
Texas Trust Headquarters Branch Restrictions	0.16%	$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)
Las Colinas Las Colinas Branch Restrictions	0.15% 0.12%	$25,000 $10,000	Learn More Add Review
Member Preferred Member Preferred Fcu Branch 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)
Datcu Datcu Branch Restrictions	0.15%	$2,500	Learn More Add Review
Fort Worth Community Fort Worth Community Branch Restrictions	0.15%	$2,500	Learn More Add Review
Mobility Credit Union Mid-cities Branch 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 Dallas Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
The Local Disaster Recovery Branch	0.15%	$25,000	Learn More Add Review
Texas People Texas People Fcu Branch Restrictions	0.15% 0.10% 0.05%	$0 $10,000 $100	Learn More Add Review
Neighborhood Arlington Branch 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)
Allied Branch-sanford Office Restrictions	0.10%	$2,500	Learn More Add Review
Texans Texans Branch Restrictions	0.10%	$25,000	Learn More Add Review
Texas Trust Headquarters Branch Restrictions	0.10%	$2,500	Learn More Add Review
Libertyone Libertyone Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
Southwest Airlines Southwest Airlines Branch Restrictions	0.10%	$2,500	Learn More Add Review
The Local Disaster Recovery Branch	0.10%	$2,500	Learn More Add Review
Tarrant County's Credit Union Tarrant County Branch Restrictions	0.10%	$2,500	Learn More Add Review
My My Branch Restrictions	0.10%	$2,500	Learn More Add Review
Unity One Unity One Branch Restrictions	0.10%	$2,500	Learn More Add Review
Ep Ft Worth Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
First Class American Fcacu - South Branch Restrictions	0.10%	$2,500	Learn More Add Review
Trugrocer Trugrocer Branch Restrictions	0.10%	$2,500	Learn More Add Review
Star Usa Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Intouch Intouch Branch Restrictions	0.05%	$5	Learn More Add Review
Corporate America Family Corporate America Fa Branch Restrictions	0.05%	$0	Learn More Add Review
Allied Branch-sanford Office Restrictions	0.05%	$2,500	Learn More Add Review
Grand Prairie Grand Prairie Branch	0.05%	$2,500	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
Texans Texans Branch Restrictions	0.05%	$2,500	Learn More Add Review
America's America's Branch Restrictions	0.05%	$2,500	Learn More Add Review
Resource One Resource One Branch Restrictions	0.05%	$2,500	Learn More Add Review
Greater Texas Greater Texas Branch Restrictions	0.05%	$2,500	Learn More Add Review
Tarrant County's Credit Union Tarrant County Branch Restrictions	0.05%	$2,500	Learn More Add Review
Unity One Unity One Branch Restrictions	0.05%	$2,500	Learn More Add Review
Mobility Credit Union Mid-cities Branch Restrictions	0.03%	$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)
Edu Restrictions	0.01%	$1	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.

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Branches Info around Fort Worth, TX - June 15, 2025

Branch	Street	City	State
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
AMERICAN AIRLINES American Airlines American Airlines Branch	Alliance Airport, 2100 Eagle Parkway	Fort Worth	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
DELTA COMMUNITY Delta Community Delta Community Branch	100 North Kimball Avenue, Suite 103	Southlake	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	6000 Valley View Lane	Irving	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	801 W Euless Boulevard, Suite 104	Euless	TX
CHEMCEL Dallas Office Dallas Office Branch	225 E John Carpenter Fwy Ste 1200	irving	TX
EECU Eecu Eecu Branch	9350 Clifford St	Fort Worth	TX
RESOURCE ONE Resource One Resource One Branch	2315 W Airport Frwy	Irving	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	801 W Euless Boulevard, Suite 104	Euless	TX
CHEMCEL Dallas Office Dallas Office Branch	225 E John Carpenter Fwy Ste 1200	irving	TX
DELTA COMMUNITY Delta Community Delta Community Branch	100 North Kimball Avenue, Suite 103	Southlake	TX
TRUGROCER Trugrocer Trugrocer Branch	1327 Brown Trail	Bedford	TX
FIRST CLASS AMERICAN Fcacu - South Branch Fcacu - South Branch	301 E Main St	Crowley	TX
TEXAS TRUST Headquarters Headquarters Branch	5850 W Interstate 20	Arlington	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
INTOUCH Intouch Intouch Branch	1 First American Way	Westlake	TX
DATCU Datcu Datcu Branch	2935 LONG PRAIRIE ROAD	FLOWER MOUND	TX
GREATER TEXAS Greater Texas Greater Texas Branch	910 Road to Six Flags E.	Arlington	TX
MOBILITY CREDIT UNION Mid-cities Mid-cities Branch	606 Grapevine Hwy	Hurst	TX
EP Ft Worth Office Ft Worth Office Branch	9000 Blue Mound Rd	Fort Worth	TX
FIRST CLASS AMERICAN Fcacu - South Branch Fcacu - South Branch	301 E Main St	Crowley	TX
DELTA COMMUNITY Delta Community Delta Community Branch	100 North Kimball Avenue, Suite 103	Southlake	TX
INTOUCH Intouch Intouch Branch	1 First American Way	Westlake	TX
FAMILY 1ST OF TEXAS Family 1st Of Texas Family 1st Of Texas Branch	603 S. Adams	Fort Worth	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	1102 Green Oaks Road	Fort Worth	TX
DATCU Datcu Datcu Branch	2935 LONG PRAIRIE ROAD	FLOWER MOUND	TX
FORT WORTH COMMUNITY Fort Worth Community Fort Worth Community Branch	6720 S Hulen St	Fort Worth	TX
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	1660 South Stemmons Fwy Suite 140	Lewisville	TX
GREATER TEXAS Greater Texas Greater Texas Branch	910 Road to Six Flags E.	Arlington	TX
DELTA COMMUNITY Delta Community Delta Community Branch	100 North Kimball Avenue, Suite 103	Southlake	TX
EP Ft Worth Office Ft Worth Office Branch	9000 Blue Mound Rd	Fort Worth	TX
FORT WORTH CITY Main Main Branch	2309 Montgomery St	Fort Worth	TX
LIFETIME Galaxy Plus Galaxy Plus Branch	3330 W Royal Ln	Irving	TX
FAMILY 1ST OF TEXAS Family 1st Of Texas Family 1st Of Texas Branch	603 S. Adams	Fort Worth	TX
INTOUCH Intouch Intouch Branch	1 First American Way	Westlake	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
DATCU Datcu Datcu Branch	2935 LONG PRAIRIE ROAD	FLOWER MOUND	TX
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	1660 South Stemmons Fwy Suite 140	Lewisville	TX
MOBILITY CREDIT UNION Mid-cities Mid-cities Branch	606 Grapevine Hwy	Hurst	TX
TARRANT COUNTY'S CREDIT UNION Tarrant County Tarrant County Branch	100 E. Weatherford Street #205	Fort Worth	TX
UNITY ONE Unity One Unity One Branch	2625 North Main Street	Fort Worth	TX
FIRST CLASS AMERICAN Fcacu - South Branch Fcacu - South Branch	301 E Main St	Crowley	TX
TRUGROCER Trugrocer Trugrocer Branch	1327 Brown Trail	Bedford	TX
TEXAS TRUST Headquarters Headquarters Branch	5850 W Interstate 20	Arlington	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
MEMBER PREFERRED Member Preferred Fcu Member Preferred Fcu Branch	340 S Blue Mound Rd Ste 342	Fort Worth	TX
DATCU Datcu Datcu Branch	2935 LONG PRAIRIE ROAD	FLOWER MOUND	TX
FORT WORTH COMMUNITY Fort Worth Community Fort Worth Community Branch	6720 S Hulen St	Fort Worth	TX
MOBILITY CREDIT UNION Mid-cities Mid-cities Branch	606 Grapevine Hwy	Hurst	TX
CHEMCEL Dallas Office Dallas Office Branch	225 E John Carpenter Fwy Ste 1200	irving	TX
THE LOCAL Disaster Recovery Disaster Recovery Branch	1408 W Pioneer Dr	Irving	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
NEIGHBORHOOD Arlington Branch Arlington Branch	321 E Sublett Rd	Arlington	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
ALLIED Branch-sanford Office Branch-sanford Office	909 W Sanford St	ARLINGTON	TX
TEXANS Texans Texans Branch	1081 W. Main Street, Suite 101	Lewisville	TX
TEXAS TRUST Headquarters Headquarters Branch	5850 W Interstate 20	Arlington	TX
LIBERTYONE Libertyone Credit Union Libertyone Credit Union Branch	2221 E Lamar Blvd Ste 110	Arlington	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	801 W Euless Boulevard, Suite 104	Euless	TX
THE LOCAL Disaster Recovery Disaster Recovery Branch	1408 W Pioneer Dr	Irving	TX
TARRANT COUNTY'S CREDIT UNION Tarrant County Tarrant County Branch	100 E. Weatherford Street #205	Fort Worth	TX
MY My My Branch	4444 South Freeway	Fort Worth	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
UNITY ONE Unity One Unity One Branch	2625 North Main Street	Fort Worth	TX
EP Ft Worth Office Ft Worth Office Branch	9000 Blue Mound Rd	Fort Worth	TX
FIRST CLASS AMERICAN Fcacu - South Branch Fcacu - South Branch	301 E Main St	Crowley	TX
MEMBER PREFERRED Member Preferred Fcu Member Preferred Fcu Branch	340 S Blue Mound Rd Ste 342	Fort Worth	TX
TRUGROCER Trugrocer Trugrocer Branch	1327 Brown Trail	Bedford	TX
INTOUCH Intouch Intouch Branch	1 First American Way	Westlake	TX
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5910 N. MacArthur Blvd. #140	Irving	TX
LAS COLINAS Las Colinas Las Colinas Branch	901 W Walnut Hill Ln	Irving	TX
ALLIED Branch-sanford Office Branch-sanford Office	909 W Sanford St	ARLINGTON	TX
GRAND PRAIRIE Grand Prairie Grand Prairie Branch	209 N. CENTER ST.	GRAND PRAIRIE	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	1660 South Stemmons Fwy Suite 140	Lewisville	TX
TEXANS Texans Texans Branch	1081 W. Main Street, Suite 101	Lewisville	TX
AMERICA'S America's America's Branch	2777 Stemmons Freeway Suite 1242	Dallas	TX
RESOURCE ONE Resource One Resource One Branch	2315 W Airport Frwy	Irving	TX
GREATER TEXAS Greater Texas Greater Texas Branch	910 Road to Six Flags E.	Arlington	TX
TARRANT COUNTY'S CREDIT UNION Tarrant County Tarrant County Branch	100 E. Weatherford Street #205	Fort Worth	TX
UNITY ONE Unity One Unity One Branch	2625 North Main Street	Fort Worth	TX
MOBILITY CREDIT UNION Mid-cities Mid-cities Branch	606 Grapevine Hwy	Hurst	TX

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.