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Texas Trust Advice Site

Are you curious how much money you’ll save with a Texas Trust auto or home loan? Worried about saving for college? Visit our Advice site for access to interactive calculators, polls, quizzes, and articles to help build your brighter financial future.

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Get all the features and benefits of a Texas Trust account without stepping into a branch. By opening your account online, get access to the online and mobile features you want.

Latest Rates

Check our rates. Compare our terms. Meet our staff. You will see why our members brag about our service and rave about our rates.


As a nonprofit, member-owned cooperative, our returns are a little higher. Just see for yourself.


You make smart decisions for your business. As a nonprofit, member-owned cooperative, our returns are a little higher. Make Texas Trust the smart choice for your business.


New and Used Autos

Apply Online

For new vehicle loans only
Rates effective as of: March 01, 2017
New & Used Autos
Term Declared APR** - as low as
36 months as low as 2.50%
48 months as low as 2.75%
66 months as low as 3.00%
72 months as low as 3.75%

Rates Calculator

The rates calculator is a tool to give you a general idea of your payments and does not reflect the actual availability of terms or payments. Please refer to the rates table or contact us for further information.

 

Check out our repossessed inventory.

**APR - Annual Percentage Rate
1 Subject to change at any time.

  • No models older than seven (7) years old.

Resources


Mortgage

Rates effective as of: February 21, 2017
Loan Programs
Loan Program Rates - as low as APR**
10 YEAR FIXED3.1253.901
15 YEAR FIXED3.3754.155
20 YEAR FIXED3.7504.174
30 YEAR FIXED4.1254.436
JUMBO > $417,000 Loan4.6254.884
HOME EQUITY3.6254.047
PROPERTY IMPROVEMENT7.2507.250
Ask about our 0% origination options.

 

Finding the right mortgage option and rate can be complicated. But not at Texas Trust. Our rates and terms are as straightforward as the chart below. Our process is quick and easy. And our commitment to our members is personal as well as professional. Whether you are buying a home, refinancing your existing mortgage, or seeking a home equity loan, take advantage of the Texas Trust advantage to simplify your life today.

Rates and/or points subject to change at anytime.

  • Each quote above is based on a loan amount of $150,000 the purchase of a primary residence, a sales price of at least $187,500 and a credit score of 740 or greater.
  • These quotes represent a sample available products. Many more loan programs are available. Check with a credit union loan officer for details.
  • Quote represents a "lock-in" period of 30 days - if you have a specific property and choose to "lock-in," we will guarantee rate and points for 30 days. 60-day rates are available with an increase in rate of .25%. Rate locks require a completed rate lock form.
  • Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Rates and points vary widely for loan amounts above $417,000 and/or for investment property loans.

Payment example:

120 monthly payments of $11.16 per $1,000 borrowed at 5.75%


Credit Card

Rates effective as of: March 01, 2017
Introductory APR for the first six months Standard (after Intro)
  Purchases Balance
Transfers
Cash
Advances
Standard
APR**
Annual Fee
Platinum MasterCard with Cash Back0%4.9%-9.9%4.9%-9.9%8.9%-17.9%None
UTA Platinum myRewards MasterCardn/an/an/a9.9%-17.9%None
Secured MasterCardn/an/an/a11.9%$30

 

**APR - Annual Percentage Rate


Personal Loans

Rates effective as of: March 01, 2017
Other
Account Term Declared APR** - as low as
Personal0 - 24As low as 9.90%
Personal25 - 36As low as 10.90%
Personal37 - 48As low as 11.90%
Personal49 - 60As low as 12.90%
Share Secured (Share Deposit)2.50% > Share Rate
CD Secured (Certificate Deposit)2.50% > CD Rate

 

**APR - Annual Percentage Rate
1 Subject to change at any time.

Texas Trust’s Lifestyle Loans can be used for just about anything. Whether you need assistance with adoption fees or you’re opting for a little nip or tuck, Texas Trust has a loan that’s right for you. Don’t hesitate to inquire. Lifestyle loans are for just about anything you want. Now.

Use of Lifestyle Loan for:

  • Weddings
  • Medical expenses that exceed health insurance coverage
  • Elective or cosmetic surgery
  • Vision care (LASIK)
  • Electrolysis or hair restoration
  • Cosmetic dentistry or orthodontics
  • Fertility treatments
  • Adoption Services
  • Veterinary Care

Why a Lifestyle loan instead of putting it on a credit card?

The loan type is up to you. It could be a home equity loan or an unsecured personal loan. The type is flexible depending upon your personal situation and credit qualifications. Regardless of which loan type works for you, chances are it’s a better option than a credit card. Big credit card companies often encourage borrowers to make small monthly payments, which keep balances high and interest charges rising. In some cases making the minimum payments of 2% to 3% of the credit card balance could take 7-10 years (or more) to pay off the credit card balance. Many consumers find it difficult to ever get out of credit card debt. Texas Trust Lifestyle loans are a better choice for many people. They encourage wise use of credit and are designed to pay off in 5 years or less.


RV/Boats/Motorcycles

Rates effective as of: March 01, 2017
Recreational Vehicle
Type Term Declared APR** - as low as
New48As low as 6.99%
UsedUp to 84As low as 8.99%
Boat - New or Used
Account Term Declared APR** - as low as
New66As low as 7.49%
UsedUp to 84As low as 8.99%
Motorcycle
Type Term Declared APR** - as low as
Motorcycle36As low as 5.25%
Motorcycle48As low as 5.50%
Motorcycle60As low as 5.75%

Rates Calculator

The rates calculator is a tool to give you a general idea of your payments and does not reflect the actual availability of terms or payments. Please refer to the rates table or contact us for further information.

 **APR - Annual Percentage Rate
Terms may change based upon vehicle age and/or other factors.

  • No models older than seven (7) years old.

Checking/Savings Deposit

Rates effective as of: March 01, 2017
Dividends
Account Declared APY*
Checking Accounts (Share Draft)
Checking20 ($25,000 +)0.15%
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%
 
Savings Accounts (Share)
SAVINGS Regular Share $20,000+0.10%
SAVINGS Regular Share $100 - 19,999.990.10%
Holiday SAVINGS0.25%
SAVINGS Secondary Share $100 - 19,999.990.10%
SAVINGS Secondary Share $20,000 +0.10%
SAVINGS Clubhouse Share $25 - 19,999.990.10%
SAVINGS Clubhouse Share $20,000+0.10%
 
Loan Related Share
SAVINGS MASTERCARD Share ($100 - $19,999)0.10%
SAVINGS MASTERCARD Share ($20,000.00 +)0.10%
SAVINGS VISA Share ($100 - $19,999.99)0.10%
SAVINGS VISA Share ($20,000.00 +)0.10%

 

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


CDs

Rates effective as of: March 01, 2017
CDs
Term Term CD APY Term IRA CD APY Flex CD APY 55 and Better CD Smart Start CD
6 months0.50%-0.30%--
1 year(s)0.75%0.85%0.60%-0.75%
15 months---0.30%-
2 year(s)0.90%1.00%0.70%--
3 year(s)1.21%1.31%1.00%--
4 year(s)1.51%1.61%1.21%--
5 year(s)1.76%1.87%1.51%--

 

Compare our CDs

^9-month Mega Flex CD is available only to Public Servants

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


Jumbo CDs

Rates effective as of: March 01, 2017
Jumbo CD
Account Term Declared APY*
CD Jumbo 3 mo3 months0.45%
CD Jumbo 6 mo6 months0.65%
CD Jumbo 1 yr1 year(s)0.90%
CD Mini Jumbo 3mo3 months0.30%
CD Mini Jumbo 6mo6 months0.40%
CD Mini Jumbo 1yr1 year(s)0.60%
CD Mega 9mo Term9 months0.60%

 

Compare our CDs

^9-month Mega Flex CD is available only to See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


55-and-Better CD

The 55-and-Better CD is a 15 month term CD available to our members age 55 and better. This is a special CD that takes the base rate, and adds .01 for every year of your age.

Some features are:

  • Interest accrued and paid monthly
  • Automatic Grace period of 10 calendar days
  • NCUA Insured
  • Receive Free eAlerts upon maturity date. Login to Online Banking to setup your eAlerts.
  • You may withdraw dividends that have been paid without penalty
  • Minimum opening balance is $10,000

 

Rates effective as of: March 01, 2017

Example - Current APY: %

Members who are 55-and-Better can open a 15 month CD starting at the above APY. Then, for every year of your age, add .01 to that APY.

For example:

If you are 57 years old, add .57

Your actual APY would be 0.77

If you are 66 years old, add .66 and it would be 0.86

If you are 72 years old, add .72 and it would be 0.92

 

Compare our CDs

Deposits are not permitted during term of certificate. Withdrawals are permitted, penalties will apply. You may withdraw dividends that have been paid without penalty. Penalty for early withdrawal is 180 day's dividends.

 

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


IRAs

Rates effective as of: March 01, 2017
Term IRAs
Term Term Share IRA Cert APY
1 year(s)0.85%
2 year(s)1.00%
3 year(s)1.31%
4 year(s)1.61%
5 year(s)1.87%

 

Share IRAs
Type APY
Regular IRA ($5.00 and above)0.20%

 

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


Money Market

Rates effective as of: March 01, 2017
Money Markets
Account Declared APY*
Money Market $0 - 2,4990.00%
Money Maket $2,500 - 9,999.990.10%
Money Market $10,000 - 24,9990.15%
Money Market $25,000 - 49,9990.15%
Money Market $50,000 - 99,9990.20%
Money Market $100,000 - 249,9990.20%
Money Market $250,000 +0.25%

 

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


Checking/Savings

Rates Effective As Of: July 01, 2015
Business Checking
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 2500 +0.05%
Business Executive 7500+0.10%
Business Executive 2500 - 7499.990.10%

 

Business Shares
Account APY
Business Share 0 - 99.990.00
Business Share 100 - $19999.990.10
Business Share 20000 +0.10

 

*APY - Annual Percentage Yield


Business Money Market

Rates Effective As Of: July 01, 2015
Business Money Market
Account APY
Business Money Market 0 - 2499.990.00%
Business Money Market 10000+0.15%
Business Money Market 2500-9999.990.10%
Business Mega Money Market 0 - 24999.990.00%
Business Mega Money Market 25000 - 49999.990.15%
Business Mega Money Market 50000 - 99999.990.20%
Business Mega Money Market 100000 - 249999.990.20%
Business Mega Money Market 250000 - 499999.990.25%
Business Mega Money Market 500000 - 2499999.990.25%
Business Mega Money Market 2.5M+0.25%

 

See our Truth in Savings disclosures:

CDs

Share Accounts (Savings and Checking)

*APY - Annual Percentage Yield


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800.527.3600

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Pursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling 972.263.5171. All member service issues please call 972.263.5171. USA Patriot Act Requires IDENTITY VERIFICATION for all new accounts. Some links in this site may direct you outside of the Texas Trust Credit Union website. Texas Trust is not responsible for the content displayed on these other websites.