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Texas DPS Credit Union Rates & Review August 2026

Texas DPS Credit Union's IRA/2 Year CD rates are at 3.65%, CDs 2 Year Term rates are at 3.65%, IRA/1 Year CD rates are at 3.60%, CDs 1 Year Term rates are at 3.60%, IRA/3 Year CD rates are at 3.55%. Texas DPS Credit Union's savings rates are at 0.00%. Texas DPS Credit Union's money market rates are at 0.20%. Texas DPS Credit Union's Personal Loan Rates are at 6.74%. MonitorBankRates evaluates the financial stability of Texas DPS Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates last updated and verified on 08/28/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.40%
Excellent Lower than avg
Texas DPS Credit Union
Texas DPS Credit Union
621 W Saint Johns Ave
Austin, TX 78752 2315
https://www.txdpscu.org
Member NCUA

Texas DPS Credit Union CD Rates

Product Rate APY Term View More
IRA/2 Year Certificate 3.59% 3.65% 2 Year Certificate
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Share Certificates 2 Year Term 3.59% 3.65% 2 Year Term
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
IRA/1 Year Certificate 3.54% 3.60% 1 Year Certificate
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Share Certificates 1 Year Term 3.54% 3.60% 1 Year Term
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
IRA/3 Year Certificate 3.49% 3.55% 3 Year Certificate
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Share Certificates 3 Year Term 3.49% 3.55% 3 Year Term
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Share Certificates 6-Month Term 3.40% 3.45% 6-Month Term
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Savings Rates

Product Rate APY View More
Easy Save Savings 4.91% 5.00%
Min Balance $0
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Youth Membership Savings - 2.00%
Min Deposit $5
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Enhanced Savings - 1.00%
Min Deposit $2,500
Min Balance $2,500
Details Qualifications Required: 15 qualifying transactions on a Simply Checking Account; Member Rewards: You could earn a higher interest rate on an Enhanced Savings Account by performing everyday transactions.*
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Enhanced Savings with Member Rewards 1.00% 1.00%
Min Balance $2,500
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Enhanced Savings 0.20% 0.20%
Min Balance $2,500
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Holiday Savings 0.20% 0.20%
Min Balance $100
Details Compounded Annually
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Easy Save Savings 0.10% 0.10%
Min Balance $501
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Enhanced Savings 0.10% 0.10%
Min Balance $250,000
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Holiday Savings 0.10% 0.10%
Min Balance $2,500
Details Compounded Annually
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Membership Savings - 0.10%
Min Deposit $5
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Membership Savings, Additional Savings 0.10% 0.10%
Min Balance $100
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
ROTH IRA Savings 0.10% 0.10%
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Traditional IRA Savings 0.10% 0.10%
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Youth Membership Savings 0.10% 0.10%
Min Balance $501
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Holiday Savings 0.00% 0.00%
Min Balance $0
Details Compounded Annually
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Membership Savings, Additional Savings 0.00% 0.00%
Min Balance $0
Details Compounded Quarterly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.20%
Min Deposit $2,500
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Checking Rates

Product Rate APY View More
Simply Checking 0.05% 0.05%
Min Balance $5,000
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Youth Checking 0.05% 0.05%
Min Balance $5,000
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Simply Checking 0.00% 0.00%
Min Balance $0
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Youth Checking 0.00% 0.00%
Min Balance $0
Details Compounded Monthly
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 5.49% 60 months
Details Good Credit: 5.74%, Average Credit: 6.74%, Fair Credit: 7.24%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Home Equity Loans - - 5.74% 120 months
Details Good Credit: 6.24%, Average Credit: 6.99%, Fair Credit: 7.49%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Home Equity Loans - - 5.99% 180 months
Details Good Credit: 6.49%, Average Credit: 7.24%, Fair Credit: 7.74%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Home Equity Loans - - 6.49% 240 months
Details Good Credit: 6.99%, Average Credit: 7.49%, Fair Credit: N/A
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.99% 1-42 months
Details Good Credit: 5.74%; Average Credit: 6.74%; Fair Credit: 8.99%; Marginal Credit: 12.49%; Poor Credit: 17.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Auto Loan - - 5.24% 43-66 months
Details Good Credit: 5.99%; Average Credit: 6.99%; Fair Credit: 9.24%; Marginal Credit: 12.74%; Poor Credit: 17.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Auto Loan - - 5.49% 67-78 months
Details Good Credit: 6.24%; Average Credit: 7.24%; Fair Credit: 9.74%; Marginal Credit: 13.99%; Poor Credit: 17.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Auto Loan - - 5.74% 79-84 months
Details Good Credit: 6.49%; Average Credit: 7.49%; Fair Credit: 10.74%; Marginal Credit: 15.74%; Poor Credit: 17.99%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Credit Card Rates

Product Rate APR View More
Visa Empower Card - 8.99%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Credit Card - 10.99%
Details Excellent Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Credit Card - 12.99%
Details Good Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Visa Enhanced Rewards Card - 12.99%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Credit Card - 14.99%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Visa Evolve Secured Card - 14.99%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Credit Card - 16.99%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Credit Card - 17.99%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Texas DPS Credit Union Personal Loan Rates

Product Rate APR View More
Motorcycles, ATV, Personal Water Craft Loan - 6.74%
Details Excellent Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 7.24%
Details Good Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 7.74%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 8.24%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 8.74%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 9.99%
Details Excellent Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 10.99%
Details Good Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 11.24%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 11.74%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 11.99%
Details Good Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 12.24%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 12.99%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 13.99%
Details Average Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 14.99%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 15.49%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 15.49%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 15.99%
Details Fair Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 16.24%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 16.74%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 16.99%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 17.49%
Details Marginal Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Motorcycles, ATV, Personal Water Craft Loan - 17.99%
Details Poor Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%
Personal Loan - 17.99%
Details Poor Credit
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.40%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Texas DPS 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 Texas DPS 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 Texas DPS Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texas DPS Credit Union
Address 621 W Saint Johns Ave, Austin, TX 78752 2315
Phone 512-452-5211
Fax 512-459-3533
President David Outon
CEO Cassy Sass
Full-Time Employees 20
Part-Time Employees 2
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
Return on Assets (ROA)
0.7853%
Return on Equity (ROE)
6.7085%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
99,594,890
Total Amount of Shares and Deposits
87,470,800
Total Shares and Deposits < 1 Year
82,557,487
Total Shares and Deposits 1 3 Years
4,913,314
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,526,278
Total Uninsured Shares and Deposits > $250K (F+J)
11,526,278
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,944,522
Total Interest Expense (Sum of items 6 8)
348,973
Share Certificates
328
Number of Accounts for Share Drafts
2,940
IRA KEOGH Accounts
88
Number of Accounts for Regular Shares
6,047
All other shares
26
Money Market Shares
76
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)
6,970,637
Total Liabilities
87,836,983
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Texas DPS Credit Union earned the Verified Strong badge

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Customer Reviews

There are no reviews for Texas DPS Credit Union yet. Feel free to create one below.
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Texas DPS Credit Union

How many branches does Texas DPS Credit Union operate?

Texas DPS 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 Texas DPS Credit Union?

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

Does Texas DPS Credit Union offer online and mobile banking?

Most modern institutions like Texas DPS 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.txdpscu.org.

Current Texas DPS Credit Union Rates

  • 12-Month CD3.60%
  • 24-Month CD3.65%
  • Savings0.00%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.