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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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Open Your Account Online

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.


A Loan Solution for every need:

Auto Loan

Start your leveraging power by contacting us for your Pre-QualificationPre-Qualification. Then visit the dealership equipped with the best loan rate from the start.

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Current Auto Loan Rates

Check our repossessed inventory.


  • Search new and used car inventory
  • Get values on your existing autos
  • Search recreational vehicles
  • Take advantage of car buying tools and more

If you'd like to refinance your vehicle, give us a call at 972.263.5171 or visit any of our BranchesBranches.

Personal Loans

Need funds for just about anything? Texas Trust Personal Loans offer better rates than credit cards. Whether you need assistance with adoption fees or you're opting for a little nip or tuck, you'll find a loan that's right for you.

Big credit card companies encourage borrowers to make small monthly payments, keeping balances high and interest charges rising. Just making the minimum payments of 2% to 3% could take 7-10 years or more to pay off, making it difficult to ever get out of credit card debt. That's why Texas Trust Personal loans are a better choice, encouraging wise use of credit and designed to be paid off in 5 years or less.

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Make your dreams come true - Texas Trust will help

Make your home buying experience a WOW! experience with Texas Trust Mortgage Services. Trust us to give you the very best solution for your home financing needs.


Our Loan Officers

We offer traditional fixed rate products with a variety of terms. This type of loan maintains its original interest rate throughout the entire life of the loan. Fluctuations in market rates, over the term of the loan, won't have any impact on the amount of interest you pay because that rate is already "fixed."

Adjustable rate mortgages (Commonly called ARMs)

We offer 3/1, 5/1 and 7/1 adjustable rate mortgages for your convenience. These products are fixed for a certain number of years and then adjust annually. As an example, a 3/1 ARM would carry a fixed rate for 3 years and then adjust every year thereafter.

FHA and VA loans

We offer Federal Housing Administration and Veteran's Administration loans with down payments as low as 3%.

Credit Challenged Borrower loans

We have loan programs to fit your needs, even if your credit is less than perfect!

Home Improvement Loans

We offer a variety of Home Improvement loan solutions that can be used for home repairs or upgrades to your existing home.

My Community Programs

We offer a variety of My Community mortgage programs for individuals with low or moderate income. Financing is available up to 100% for those who qualify. Additional flexible benefits may be available for teachers, police, firefighters, healthcare workers or individuals with disabilities.

Second Mortgages

Texas Trust offers second mortgages either as stand-alone products, or in conjunction with first lien financing. Seconds can be used for Home Equity, refinance or purchase transactions.

Call us today to make an appointment with our Mortgage Services Team at 972.595.1232, apply online todayapply online today or come by and visit us at one of our branch locationsbranch locations.

Step 1: Assemble your financial information. See our Criteria Chart for Home Equity and Refinance Loans.

Step 2: Contact your Texas Trust Mortgage Services Team for more information at 972.595.1232.

Step 3: Schedule An Appointment for a quick and easy discussion that will get you on your way.

Step 4: Enjoy turning your dreams into reality with your proceeds!

Apply online today
Apply online today

Home Equity

Find the right Home Loan for you.

Your home is one of your most valuable assets, so put it to work for you today with a Texas Trust home equity or home remodeling loan. Use it for household improvements, self-improvements or anything you want. Imagine paying off high-rate credit cards, financing a college education or even taking the vacation of a lifetime.

Loan rates and terms have never been better. Some offer low-cost, no-lien options that avoid the fees and delays that make some bankers proud. As a non-profit, member-owned financial cooperative, we plow our profits back into low rates and high service.

Home Equity Chart

Home Improvement Chart


Step 1: Assemble your financial information. See our Criteria Chart for Home Equity and Refinance Loans.

Step 2: Contact your Texas Trust Mortgage Services Team for more information at 972.595.1232.

Step 3: Schedule an appointment for a quick and easy discussion to get you on your way.

Step 4: Turn your dreams into reality with your proceeds!

Make An Appointment Make An Appointment

New or used, we can help you purchase a motorcycle, boat or RV.

In addition to cars and trucks, Texas Trust offers great rates and terms for motorcycles, boats, RVs. Choose the one you want and apply today. The open road and the open water are waiting!

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Higher Education Loans

Texas Trust is partnering with Higher Education Servicing Corporation who offer the Texas Extra Credit Education Loan. This is a private student loan program designed specifically for Texas residents attending approved colleges of universities anywhere in the country.

Texas Extra Credit Education Loan is a product of, and funded by, The Higher Education Servicing Corporation.


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© Content copyright 2013, Texas Trust Credit Union.

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.