Credit union · NCUA insured
Credit Union of Texas Savings Rates
Top CarrotCredit Union of Texas’s best savings rate is 3.25% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Credit Union of Texas’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Credit Union of Texas has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Texas
3.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $325
High Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Credit Union of Texas savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0003.25%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Credit Union of Texas ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Mega Money Market
Up to 3.60%APY
Interest compounds monthly at a variable rate. NCUA insured. Membership required. Limit of 6 withdrawals per month may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $150,000 – $250,000 | 2.75% | — |
| $250,000 – $750,000 | 3.25% | — |
| Over $750,000 | 3.60% | — |
Sources (1)
- cutx.org/money-market-accounts · captured Oct 16, 2026
High Yield Savings
3.25%APY
Initial opening and subsequent deposit funds must be new money not previously held by any member of the Credit Union. Limited to 1 account per membership. Must maintain a minimum daily balance of $1,000.00 to avoid $10.00 monthly service fee. Minimum average daily balance of $100.00 required to earn disclosed APY. $10.00 fee per withdrawal or transfer in excess of 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. If average daily balance falls below $1,000, earns interest at applicable variable rate. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. If average daily balance falls below $1,000, earns interest at applicable variable rate. |
| $1,000 – $25,000Variable rate. Average daily balance method used. Requires maintaining a minimum average daily balance of $1,000 to earn 3.25% APY. | 3.25% | $325 | Variable rate. Average daily balance method used. Requires maintaining a minimum average daily balance of $1,000 to earn 3.25% APY. |
| Over $25,000Variable rate. Average daily balance method used. If average daily balance exceeds $25,000, account earns interest at the applicable variable rate. | 1.35% | — | Variable rate. Average daily balance method used. If average daily balance exceeds $25,000, account earns interest at the applicable variable rate. |
Sources (2)
All captured Sep 17, 2026
Regular Money Market
1.00%APY
Interest compounds monthly at a variable rate. NCUA insured. Membership required. Limit of 6 withdrawals per month may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 1.00% | — |
| $2,000 – $10,000 | 1.00% | $100 |
| $10,000 – $20,000 | 1.00% | — |
| $20,000 – $40,000 | 1.25% | — |
| Over $40,000 | 1.50% | — |
Sources (1)
- cutx.org/money-market-accounts · captured Oct 16, 2026
Premium Money Market
1.25%APY
Interest compounds monthly at a variable rate. NCUA insured. Membership required. Limit of 6 withdrawals per month may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 1.25% | $125 |
| $25,000 and up | 1.35% | — |
Sources (1)
- cutx.org/money-market-accounts · captured Oct 16, 2026
Member Choice Savings
0.10%APY
Minimum average daily balance of $100.00 required to earn dividends. Fee of $5.00 applies for each withdrawal or transfer in excess of 6 per calendar year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| $1,000 – $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | $10 | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| Over $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
Regular Share
0.10%APY
Must purchase and maintain 1 share ($5.00 par value) and pay a $20.00 nonrefundable membership fee. Minimum average daily balance of $100.00 required to obtain disclosed APY. Must maintain a minimum daily balance of $50.00, have transaction activity within past 90 days, and have other active accounts with CUTX to avoid the $5.00 monthly service fee. Limited to 6 withdrawals/transfers per statement period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| $1,000 – $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | $10 | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| Over $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
Special-purpose accounts
IRA Accumulator
0.15%APY
Designed for periodic retirement contributions. Funds deposited into an Individual Retirement Plan are subject to IRS penalties for early withdrawal. Pre-authorized, automatic, or telephone transfers are not permitted. Subject to closure if balance falls below $50.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. | 0.15% | — | Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. |
| $1,000 – $25,000Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. | 0.15% | $15 | Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. |
| Over $25,000Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. | 0.15% | — | Variable rate. Average daily balance method used. No minimum average daily balance required to earn interest/dividends. |
Sources (2)
All captured Sep 17, 2026
Holiday Savings
0.10%APY
Designed for holiday savings. Minimum average daily balance of $100.00 to earn dividends. Withdrawals without fee permitted between November 1 and January 31; fee of $10.00 applies per withdrawal or transfer made between February 1 and October 31.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| $1,000 – $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | $10 | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
| Over $25,000Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. |
Kids Account
0.10%APY
Designed for young people under age 18. No monthly service fee or minimum balance required to avoid fees. $5.00 fee per withdrawal for more than 12 withdrawals per year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. |
| $1,000 – $25,000Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. | 0.10% | $10 | Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. |
| Over $25,000Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. | 0.10% | — | Variable rate. Average daily balance method used. No minimum balance required to earn interest/dividends. |
Who can join Credit Union of Texas
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