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 Morris Sheppard Texarkana Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Morris Sheppard Texarkana Federal Credit Union's 12-Month CD rates are at 3.80%, 18-Month CD rates are at 3.80%, 24-Month CD rates are at 3.75%. Morris Sheppard Texarkana Federal Credit Union's savings rates are at 0.30%. Morris Sheppard Texarkana Federal Credit Union's Personal Loan Rates are at 8.75%. MonitorBankRates evaluates the financial stability of Morris Sheppard Texarkana Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.39%. Rates last updated and verified on 08/28/2026. Morris Sheppard Texarkana Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Morris Sheppard Texarkana Federal Credit Union? Share your experience about Morris Sheppard Texarkana Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Morris Sheppard Texarkana Federal Credit Union. Morris Sheppard Texarkana Federal Credit Union
MORRIS SHEPPARD TEXARKANA FCU 419 W 4TH ST
https://www.morrissheppardfcu.org TEXARKANA, TX 75501 
Morris Sheppard Texarkana Federal Credit Union CD Rates
Morris Sheppard Texarkana Federal Credit Union Savings Rates
Morris Sheppard Texarkana Federal Credit Union Auto Loan Rates
Morris Sheppard Texarkana Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Morris Sheppard Texarkana Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Morris Sheppard Texarkana Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Morris Sheppard Texarkana Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Morris Sheppard Texarkana Federal Credit Union
Address
419 W 4TH ST,
TEXARKANA, TX 75501
Phone
903-798-3918
Fax
903-794-3152
President
PAUL MARTIN
CEO
JENNIFER PRICE
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.39%
Return on Assets (ROA)
0.5402%
Return on Equity (ROE)
4.7300%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
12,676,797
Total Amount of Shares and Deposits
11,225,414
Total Shares and Deposits < 1 Year
8,254,846
Total Shares and Deposits 1 3 Years
2,970,568
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,225,414
Total Interest Expense (Sum of items 6 8)
161,279
Share Certificates
160
Number of Accounts for Share Drafts
354
Number of Accounts for Regular Shares
1,258
All other shares
58
Net Income (unless the amount is already included in Undivided Earnings)
68,485
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,269,739
Total Liabilities
11,231,400
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Morris Sheppard Texarkana Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Morris Sheppard Texarkana Federal Credit Union
Frequently Asked Questions About Morris Sheppard Texarkana Federal Credit UnionHow many branches does Morris Sheppard Texarkana Federal Credit Union operate?Morris Sheppard Texarkana Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Morris Sheppard Texarkana Federal Credit Union?Yes, to access services at Morris Sheppard Texarkana Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Morris Sheppard Texarkana Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Morris Sheppard Texarkana Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Morris Sheppard Texarkana Federal Credit Union offer online and mobile banking?Most modern institutions like Morris Sheppard Texarkana Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.morrissheppardfcu.org. Current Morris Sheppard Texarkana Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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