What are the current interest rates at Credit Union of Texas?

Current rates for Credit Union of Texas include: 12-Month CD: 3.50%

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Credit Union of Texas

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Credit Union of Texas Rates & Review May 2026

Q: How many branches does Credit Union of Texas operate?

Credit Union of Texas currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Credit Union of Texas?

Yes, to access services at Credit Union of Texas, 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.

Q: Is there a first-time homebuyer program?

Currently, Credit Union of Texas 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of Texas 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: May 10, 2026

Credit Union of Texas's No Penalty CD by Term and Deposit Amount 12 Month rates are at 3.50%. MonitorBankRates evaluates the financial stability of Credit Union of Texas with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.68%. Rates were last updated on 05/10/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.68%

Excellent Higher than avg

Credit Union of Texas
Credit Union of Texas Allen

900 W Bethany Dr Ste 500
Allen, TX 75013 3834

https://cutx.org

Credit Union of Texas CD Rates

Product	Rate	APY	Term	View More
No Penalty CD by Term and Deposit Amount 12 Month	3.45%	3.50%	12
Min Deposit $25,000 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.68%

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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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Credit Union of Texas

Website https://cutx.org

Address 900 W Bethany Dr Ste 500, Allen, TX 75013 3834

Phone 214-818-3231

Fax

President Troy Mathieu

CEO Eric Pointer

Full-Time Employees 500

Part-Time Employees 47

Branch Locations 25

ATM Locations 24

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.68%

Return on Assets (ROA)

0.3396%

Return on Equity (ROE)

4.0032%

Non-Performing Loans Ratio (NPL)

1.65%

Total Assets

2,670,082,522

Total Amount of Shares and Deposits

2,162,769,565

Total Shares and Deposits < 1 Year

1,968,585,727

Total Shares and Deposits 1 3 Years

153,957,342

Total Shares and Deposits > 3 Years

40,226,496

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

239,996,439

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

239,996,439

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

1,922,773,126

Total Interest Expense (Sum of items 6 8)

47,961,941

Share Certificates

19,703

Number of Accounts for Share Drafts

105,507

IRA KEOGH Accounts

4,779

Number of Accounts for Regular Shares

190,046

Non Member Deposits

119

Money Market Shares

1,937

Net Income (unless the amount is already included in Undivided Earnings)

9,068,674

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

73,677,625

Total Liabilities

2,476,466,132

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Credit Union of Texas

How many branches does Credit Union of Texas operate?

Credit Union of Texas 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 Credit Union of Texas?

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

Does Credit Union of Texas offer online and mobile banking?

Most modern institutions like Credit Union of Texas 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://cutx.org.