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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-qualification. Then visit the dealership equipped with the best loan rate from the start.

Apply for Auto Loan

Calculate Vehicle Payment

The vehicle payment 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.

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.

Apply for Personal Loan


Our experienced, professional Mortgage Services team is committed to making you a happy homeowner. Call us today to make an appointment with our Mortgage Services Team at 972.595.1232. Apply online, visit us at one of our branches or call us at 972.595.1232.

Home Loan Types Offered

We offer traditional fixed rate products with a variety of terms.

Conventional home loans for 10, 15, 20 & 30 years.  

Refinancing your existing mortgage through Texas Trust could save you money every month.

Home Equity/Property Improvement Loans

Using your home's value as solutions used for repairs, upgrades to your existing home, or anything else you want.  Not sure which is for you? View program criteria for Home Equity or Property Improvement loans online.

My Community Programs
For a low or moderate income, flexible financing is available for those who qualify. Additional benefits may be available for teachers, police, firefighters, healthcare workers or individuals with disabilities.


Texas Trust Mortgage Services also offers the following.  Just give us a call at 972.595.1232 or Apply Online.

  • Conventional home loans for 10, 15, 20, & 20 years
  • Second Mortgages

*Loan programs subject to change without notice. Not all members may qualify for all programs.

Want more information about the Home Buying Process?  Try our Home Buying Coach!

What information do I need for a Mortgage Application?


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!

Make An Appointment Make An Appointment

Calculate Vehicle Payment
The vehicle 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.
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.