What are the current interest rates at Texasgulf Federal Credit Union?

Current rates for Texasgulf Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, MMA: 0.10%

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Texasgulf Federal Credit Union

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Texasgulf Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texasgulf Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 12, 2026

Texasgulf Federal Credit Union's 6 Month IRA CDs rates are at 3.60%, 12 Month IRA CDs rates are at 3.50%, 18 Month IRA CDs rates are at 3.25%. Texasgulf Federal Credit Union's money market rates are at 0.10%. Texasgulf Federal Credit Union's Personal Loan Rates are as low as 9.25%. MonitorBankRates evaluates the financial stability of Texasgulf Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.10%. Rates last updated and verified on 09/12/2026.

Texasgulf 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 Texasgulf Federal Credit Union? Share your experience about Texasgulf Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Texasgulf Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Texasgulf Federal Credit Union
2101 N Fulton

2101 N Fulton st
Wharton, TX 77488

https://www.texasgulffcu.org

Texasgulf Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month IRA Share Certificates	3.54%	3.60%	6 Month
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
12 Month IRA Share Certificates	3.45%	3.50%	12 Month
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
18 Month IRA Share Certificates	3.20%	3.25%	18 Month
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Texasgulf Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.74%	1.75%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Account	1.00%	1.00%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Account	0.50%	0.50%
Min Balance $2,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Account	0.20%	0.20%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Account	0.15%	0.15%
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Account	0.10%	0.10%
Min Balance $25 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Texasgulf Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or used vehicle loan	-	-	3.99%	up to 36 months
Details As Low As; New or used vehicle Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New or used vehicle loan	-	-	5.49%	up to 48 months
Details As Low As; New or used vehicle Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New or used vehicle loan	-	-	5.60%	49 - 72 months
Details As Low As; New or used vehicle Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New vehicle loan	-	-	6.50%	up to 84 months
Details As Low As; New vehicle Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Texasgulf Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal loan	9.25%
Details As Low As; Personal loans Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Texasgulf Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Large collateral loan	-	-	8.25%	84 to 180 months
Details As Low As; Large collateral items Please call for more information Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Other collateral loan	-	-	5.99%	up to 48 months
Details As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Other collateral loan	-	-	7.49%	49 to 72 months
Details As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Free Kasasa Cash Checking	0.50%	-	0.50%
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Free Kasasa Cash Checking	1.00%	-	1.00%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Free Kasasa Cash Checking	1.74%	-	1.75%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
IRA Shares	0.20%	-	0.20%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
IRA Shares	0.40%	-	0.40%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Kasasa Cash Checking	0.05%	-	0.05%
Details All balances if qualifications not met Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Kasasa Cash Checking	1.00%	-	1.83%
Min Deposit $25 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Rate on balances up to and including $20,000; Rate on portion of balance over $20,000 varies; Refunds on ATM withdrawal fees, nationwide; APYs accurate as of 08/01/24. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Kasasa Saver Savings	0.05%	-	0.05%
Details All balances if qualifications not met Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Kasasa Saver Savings	1.98%	-	2.00%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Texasgulf Federal Credit Union’s Texas Ratio rose from 1.11% in Q2 2023 to 2.10% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$221M	2.10%	5.0	A+
December 31, 2025	$216M	2.74%	5.0	A+
September 30, 2025	$213M	2.64%	5.0	A+
June 30, 2025	$208M	2.04%	5.0	A+
March 31, 2025	$212M	1.15%	5.0	A+
December 31, 2024	$206M	2.01%	5.0	A+
September 30, 2024	$201M	1.55%	5.0	A+
June 30, 2024	$195M	1.19%	5.0	A+
March 31, 2024	$192M	1.33%	5.0	A+
December 31, 2023	$188M	1.07%	5.0	A+
September 30, 2023	$188M	1.16%	5.0	A+
June 30, 2023	$186M	1.11%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Texasgulf 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 Texasgulf 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 Texasgulf Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texasgulf Federal Credit Union

Website https://www.texasgulffcu.org

Address 2101 N Fulton st, Wharton, TX 77488

Phone 979-282-2300

Fax 979-282-2323

President Weldon Ferrell

CEO J. Michael Sterry

Full-Time Employees 31

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.10%

Return on Assets (ROA)

0.1934%

Return on Equity (ROE)

1.3839%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

221,468,931

Total Amount of Shares and Deposits

190,604,197

Total Shares and Deposits < 1 Year

182,785,097

Total Shares and Deposits 1 3 Years

6,135,462

Total Shares and Deposits > 3 Years

1,683,637

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,740,263

Total Uninsured Shares and Deposits > $250K (F+J)

2,740,263

Total Insured Shares and Deposits > $250K (item 17 less item K)

187,863,934

Total Interest Expense (Sum of items 6 8)

952,252

Share Certificates

1,922

Number of Accounts for Share Drafts

8,277

IRA KEOGH Accounts

251

Number of Accounts for Regular Shares

15,901

Money Market Shares

104

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)

20,075,238

Total Liabilities

192,188,754

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Texasgulf Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Texasgulf Federal Credit Union

How many branches does Texasgulf Federal Credit Union operate?

Texasgulf 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 Texasgulf Federal Credit Union?

Yes, to access services at Texasgulf 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, Texasgulf 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, Texasgulf Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Texasgulf Federal Credit Union offer online and mobile banking?

Most modern institutions like Texasgulf 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.texasgulffcu.org.