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

Current rates for Texas Health Credit Union include: 12-Month CD: 3.03%, 24-Month CD: 3.03%, Savings: 0.25%, MMA: 0.05%

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Texas Health Credit Union

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Texas Health Credit Union Rates & Review May 2026

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

Yes, to access services at Texas Health 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texas Health 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: May 12, 2026

Texas Health Credit Union's 1-Year CDs (Includes IRA) rates are at 3.54%, 2-Year CDs (Includes IRA) rates are at 3.54%, 3-Year CDs (Includes IRA) rates are at 3.29%, 6-Month CDs (Includes IRA) rates are at 3.29%, 1-Year CDs (Includes IRA) rates are at 3.03%. Texas Health Credit Union's savings rates are at 0.25%. Texas Health Credit Union's money market rates are at 0.05%. Texas Health Credit Union's Personal Loan Rates are at 9.89%. MonitorBankRates evaluates the financial stability of Texas Health Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.83%. Rates were last updated on 05/12/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.83%

Excellent Higher than avg

Texas Health Credit Union
TEXAS HEALTH CREDIT UNION

4800 GROVER AVE
AUSTIN, TX 78756

https://thcu.org

Texas Health Credit Union CD Rates

Product	Rate	APY	Term
1-Year Certificates (Includes IRA)	3.50%	3.54%	1-Year
Min Balance $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
2-Year Certificates (Includes IRA)	3.50%	3.54%	2-Year
Min Balance $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
3-Year Certificates (Includes IRA)	3.25%	3.29%	3-Year
Min Balance $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
6-Month Certificates (Includes IRA)	3.25%	3.29%	6-Month
Min Balance $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
1-Year Certificates (Includes IRA)	3.00%	3.03%	1-Year
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
2-Year Certificates (Includes IRA)	3.00%	3.03%	2-Year
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
3-Year Certificates (Includes IRA)	2.75%	2.78%	3-Year
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
6-Month Certificates (Includes IRA)	2.75%	2.78%	6-Month
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
3-Month Certificates (Includes IRA)	2.25%	2.27%	3-Month
Min Balance $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
3-Month Certificates (Includes IRA)	1.75%	1.76%	3-Month
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Savings Rates

Product	Rate	APY
IRA Savings	2.50%	2.52%
Min Balance $100 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Christmas Club	1.00%	1.01%
Min Balance $25 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Health Savings	0.75%	0.75%
Min Balance $25 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Regular Savings (Shares)	0.50%	0.50%
Min Balance $10,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Regular Savings (Shares)	0.40%	0.40%
Min Balance $5,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Regular Savings (Shares)	0.25%	0.25%
Min Balance $100 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.50%	2.52%
Min Balance $2,500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Money Market	0.05%	0.05%
Details Qualifying balance up to $2,499.99 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	2.50%	2.52%
Min Balance $2,500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Premier Business Checking	0.15%	0.15%
Min Balance $10,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Regular Checking	0.10%	0.10%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
Money Market Checking	0.05%	0.05%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.49%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Gold	-	9.90%
Details As Low As; $5,000 to $20,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%
MasterCard	-	13.90%
Details As Low As; $500 to $5,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

Texas Health Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal and Line of Credit Loans	-	9.89%
Details As Low As; To 60 Months; Up to $20,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.83%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Texas Health Credit Union

Website https://thcu.org

Address 4800 GROVER AVE, AUSTIN, TX 78756

Phone 512-454-4636

Fax 512-454-2925

President TIMOTHY NISSEN

CEO Derrick Brown

Full-Time Employees 18

Part-Time Employees 1

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 (96/100)

Texas Ratio

8.83%

Return on Assets (ROA)

0.7627%

Return on Equity (ROE)

5.9258%

Non-Performing Loans Ratio (NPL)

2.01%

Total Assets

139,296,224

Total Amount of Shares and Deposits

121,963,864

Total Shares and Deposits < 1 Year

119,719,268

Total Shares and Deposits 1 3 Years

2,244,596

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

31,528,846

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

31,528,846

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

90,435,018

Total Interest Expense (Sum of items 6 8)

1,202,184

Share Certificates

158

Number of Accounts for Share Drafts

2,600

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,849

All other shares

104

Money Market Shares

470

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,934,827

Total Liabilities

121,367,939

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Texas Health Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Texas Health Credit Union

How many branches does Texas Health Credit Union operate?

Texas Health 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 Health Credit Union?

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

Does Texas Health Credit Union offer online and mobile banking?

Most modern institutions like Texas Health 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://thcu.org.