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Swipe your Spirit Debit Rewards card to help us give to partnering school districts

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Get Rewarded

Texas Trust debit cardholders earn 1 point for every $2 spent2

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Earn up to 1% Cash Back1

for purchases made with your Texas Trust Platinum Mastercard

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Savings Accounts

Rates current as of:
Savings Account Rates
Account Declared APY*
Primary Savings Accounts
SAVINGS Regular Share $100 - 19,999.990.10
SAVINGS Regular Share $20,000+0.10
Secondary Savings Accounts
SAVINGS Secondary Share $100 - 19,999.990.10
SAVINGS Secondary Share $20,000 +0.10
Holiday Savings
Holiday SAVINGS $25 +0.25
Youth Savings
SAVINGS Clubhouse Share $5 - 19,999.990.10
SAVINGS Clubhouse Share $20,000+0.10
Money Market
Money Market $0 - 2,4990.00
Money Market $2,500 - 9,999.990.16
Money Market $10,000 - 24,9990.22
Money Market $25,000 - 49,9990.22
Money Market $50,000 - 99,9990.30
Money Market $100,000 - 249,9990.30
Money Market $250,000 +0.41
Loan-Related Share
SAVINGS VISA Share ($100 - $19,999.99)0.10
SAVINGS MASTERCARD Share ($100 - $19,999)0.10
SAVINGS VISA Share ($20,000.00 +)0.10
SAVINGS MASTERCARD Share ($20,000.00 +)0.10

Checking Accounts

Rates current as of:
Checking Account Rates
Account Declared APY*
Checking Accounts (Share Draft)
Power Checking ($5,000 - $24,999.99)0.50
Power Checking ($25,000 - $100,000)1.00
Bonus Checking ($25,000 +)0.15
Easy Checking ($1,000 +)0.05
Student Checking ($1 - 999.99)0.02
Student Checking ($1,000 - 9,999.99)0.05
Student Checking ($10,000 - 19,999.99)0.07
Student Checking ($20,000 - 30,000)0.10

CD Accounts

Rates current as of:
Certificats of Deposit (CDs) Rates
Type Term APY*
Term Share CDs (minimum deposit $500)
CD 3 mo Term3 months0.75
CD 6 mo Term6 months1.20
CD 1 yr Term1 year(s)1.55
CD 2 yr Term2 year(s)1.90
CD 3 yr Term3 year(s)2.05
CD 4 yr Term4 year(s)2.20
CD 5 yr Term5 year(s)2.50
CD 19-Month Promotional CD19 months2.70
Mini Jumbo CDs (minimum deposit $50,000)
CD Mini Jumbo 3mo3 months0.80
CD Mini Jumbo 6mo6 months1.25
CD Mini Jumbo 1yr1 year(s)1.60
Jumbo CDs (minimum deposit $98,000)
CD Jumbo 3 mo3 months0.85
CD Jumbo 6 mo6 months1.30
CD Jumbo 1 yr1 year(s)1.65
Flex CDs (minimum deposit $5,000)
CD 6 mo Flex6 months1.05
CD 1 yr Flex1 year(s)1.25
CD 2 yr Flex2 year(s)1.70
CD 3 yr Flex3 year(s)1.85
CD 4 yr Flex4 year(s)2.00
CD 5 yr Flex5 year(s)2.30
Youth CD** (minimum deposit $100)
CD Smart Start (Youth under 18)1 year(s)1.55
Senior CD*** (minimum deposit $10,000)
CD 55 and Better 15 mo15 months0.55
CD 55 and Better 15 mo Promotional CD15 months1.00
Public Servant CD ****
CD Mega Flex 9mo Term9 months1.20
CD Mini Jumbo 9 mo9 months1.25
CD Jumbo 9mo9 months1.30

IRAs

Rates current as of:
IRA CD Rates
Type Term APY*
IRA CD 1 yr1 year(s)1.55%
IRA CD 2 yr2 year(s)1.90%
IRA CD 3 yr3 year(s)2.10%
IRA CD 4 yr4 year(s)2.25%
IRA CD 5 yr5 year(s)2.55%

New and Used Autos

Rates current as of:
New and Used Auto Rates
Term Declared APR*
New Vehicles
36 monthsAs low as 3.84%
48 monthsAs low as 3.84%
66 monthsAs low as 3.84%
72 monthsAs low as 4.09%
Used Vehicles
36 monthsAs low as 3.84%
48 monthsAs low as 3.84%
66 monthsAs low as 3.84%
72 monthsAs low as 4.09%
  • *APR - Annual Percentage Rate. Rates subject to change at any time.
  • No models older than seven (7) years old.

Credit Cards

Rates current as of:
Credit Cards Rates
Introductory APR for the first six months Standard (after Intro)
Purchases Balance Transfers Cash Advances Standard APR* Annual Fee
Platinum Mastercard with Cash Back 0% 4.90%-9.90% 4.90%-9.90% 8.90%-17.90% None
UTA Platinum Rewards Mastercard n/a n/a n/a 9.90%-17.90% None
Secured Mastercard n/a n/a n/a 11.90% $30
Platinum Rewards Mastercard n/a n/a n/a 9.90%-17.90% None
UTA Blaze Mastercard n/a n/a n/a 8.90%-17.90% $50
Business MasterCard With Cash Back n/a n/a n/a 9.90% None
  • *APR - Annual Percentage Rate

Personal Loans

Rates current as of:
Personal Loans Rates
Term Declared APR* as low as
0 - 24 monthsAs low as 5.99%
25 - 36 monthsAs low as 6.99%
37 - 48 monthsAs low as 7.99%
49 - 60 monthsAs low as 8.99%
  • *APR - Annual Percentage Rate. Rates subject to change at any time.

RVs/Boats/Motorcycles

Rates current as of:
Recreational Vehicle Rates
Recreational Vehicles
Type Term Declared APR* as low as
RV New48 months7.74%
RV New66 months8.24%
RV New72 months8.74%
RV New84 months9.74%
RV Used48 months7.74%
RV Used66 months8.24%
RV Used72 months8.74%
RV Used84 months9.74%
Boat Rates
Boat
Type Term Declared APR* as low as
Boat New48 months7.74%
Boat New66 months8.24%
Boat New72 months8.74%
Boat New84 months9.74%
Boat Used48 months7.74%
Boat Used66 months8.24%
Boat Used72 months8.74%
Boat Used84 months9.74%
Motorcycle Rates
Motorcycle
Type Term Declared APR* as low as
Motorcycle New36 months6.24%
Motorcycle New48 months6.49%
Motorcycle New60 months6.74%
Motorcycle Used36 months6.24%
Motorcycle Used48 months6.49%
Motorcycle Used60 months6.74%
  • *APR - Annual Percentage Rate. Terms may change based upon vehicle age and/or other factors and are subject to change at any time.
  • No models older than seven (7) years old.

Business Checking

Rates current as of:
Business Checking Rates
Account APY*
Business Checking w/ Interest $0 - $499.990.00%
Business Checking w/ Interest $500 - $7499.990.05%
Business Checking w/ Interest $7500+0.05%
Business Foundation0.00%
Business Professional $2,500+0.05%
Business Executive $7500+0.10%
Business Executive $2500 - $7499.990.10%
  • *APY - Annual Percentage Yield

Business Shares

Rates current as of:
Business Share Rates
Account APY*
Business Share $0 - $99.990.00%
Business Share $100 - $19,999.990.10%
Business Share $20,000+0.10%

Business Money Market

Rates current as of:
Business Money Market Rates
Account APY*
Business Money Market $0 - $2,499.990.00%
Business Money Market $2,500-$9,999.990.16%
Business Money Market $10,000+0.22%
Business Mega Money Market $0 - $24,999.990.00%
Business Mega Money Market $25,000 - $49,999.990.22%
Business Mega Money Market $50,000 - $99,999.990.30%
Business Mega Money Market $100,000 - $249,999.990.30%
Business Mega Money Market $250,000 - $499,999.990.41%
Business Mega Money Market $500,000 - $2,499,999.990.41%
Business Mega Money Market $2.5M+0.41%
Who We Are

Who We Are

Texas Trust exists for one simple purpose: To build brighter financial futures. We are a not-for-profit credit union whose members are our friends, neighbors, and local business leaders. We focus on providing products that exceed expectations and service that others brag about. And, we are committed to giving profits back to our members and communities. That’s money back into our area schools and students. And back in our members’ pockets. We've been helping people live brighter since 1936. We are Texas Trust Credit Union.

1Refer to features chart here for complete details.

2on every signature transaction you make

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