Credit union · NCUA insured
East Texas Professional Credit Union Savings Rates
Top CarrotEast Texas Professional Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Plus Accounts. Rates checked October 16, 2026.
How East Texas Professional Credit Union’s savings rates compare
Compared with banks and credit unions near Longview, TX, where East Texas Professional Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
East Texas Professional Credit Union
0.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Money Market Plus Accounts
Top rate
Barksdale Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
East Texas Professional Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.50%
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 East Texas Professional Credit Union 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.
Money Market Plus Accounts
0.50%APY
Requires approval through ChexSystems. Minimum opening deposit of $1,000. Minimum balance of $1,000 to avoid $7.50 monthly service fee. Dividends earned and paid monthly on balances of $1,000 or more. Up to 6 withdrawals per month. No fee on money orders. Free Online Banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 0.20% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $2,000 – $10,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 0.30% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $10,000 – $25,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 0.50% | $50 | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $25,000 – $50,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 1.01% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $50,000 – $100,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 1.26% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $100,000 – $200,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 2.02% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $200,000 and upDividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 2.75% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
Sources (2)
All captured Oct 6, 2026
Share / Secondary Share Savings Accounts
0.30%APY
To enjoy membership benefits, must open a savings account with a minimum deposit of $5 which remains on deposit throughout membership duration. Dividends compounded and credited quarterly. Rates anticipated for 4th Quarter; actual rates declared December 31, 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Dividends compounded and credited quarterly. | 0.20% | — | Dividends compounded and credited quarterly. |
| $2,500 – $10,000Dividends compounded and credited quarterly. | 0.30% | — | Dividends compounded and credited quarterly. |
| $10,000 and upDividends compounded and credited quarterly. | 0.30% | $30 | Dividends compounded and credited quarterly. |
Sources (2)
All captured Oct 6, 2026
Money Market Checking Accounts
0.10%APY
Requires approval through ChexSystems. Minimum opening deposit of $1,000. Minimum balance of $1,000 to avoid $7.50 monthly service fee. Dividends earned and paid monthly on balances of $1,000 or more. Unlimited check writing. Overdraft courtesy available. No fee on money orders. Free Online Banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,000Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 0.05% | — | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
| $2,000 and upDividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. | 0.10% | $10 | Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings
0.25%APY
Traditional Share IRA or Roth IRA. Dividends compounded and credited quarterly. Savings rates anticipated for 4th Quarter; actual rates declared December 31, 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded and credited quarterly.$25 and up | 0.25% | $25 | Dividends compounded and credited quarterly. |
Sources (3)
- etpcu.org/save-and-spend/deposit-rates
- etpcu.org/save-and-spend/individual-retirement-accounts
- etpcu.org/save-and-spend/savings-accounts
All captured Oct 6, 2026
Christmas Club Account
0.15%APY
Deposits may be made at any time. Christmas Club Account funds are automatically transferred to the savings account on November 1st of each year. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Funds automatically transfer to savings on November 1st.$100 and up | 0.15% | $15 | Dividends compounded and credited quarterly. Funds automatically transfer to savings on November 1st. |
Sources (2)
All captured Oct 6, 2026
Vacation Club Account
0.15%APY
Deposits may be made at any time. Vacation Club Account funds are transferred to the savings account on May 1st of each year. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Funds transfer to savings on May 1st.$100 and up | 0.15% | $15 | Dividends compounded and credited quarterly. Funds transfer to savings on May 1st. |
Sources (2)
All captured Oct 6, 2026
Who can join East Texas Professional Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who live or work in Anderson County.
- Membership is open to all who live or work in Angelina County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Camp County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Cass County.
- Membership is open to all who live or work in the northern half of Cherokee County.
- Membership is open to all who live, work, or attend school within a 10-mile radius of an ETPCU office location in Franklin County.
19 more ways to join
Where you live or work
- Membership is open to all who live or work in Gregg County.
- Membership is open to all who live or work in Harrison County.
- Membership is open to all who live or work in Henderson County.
- Membership is open to all who live, work, or attend school in Marion County.
- Membership is open to all who live or work in Morris County.
- Membership is open to all who live or work in Nacogdoches County.
- Membership is open to all who live or work in Panola County.
- Membership is open to all who live or work in Rusk County.
- Membership is open to all who live or work in Smith County.
- Membership is open to all who live, work, or attend school in Titus County.
- Membership is open to all who live, work, or attend school in Upshur County.
Employers and groups
- Membership is open to any business or organization whose employees or members are within the Camp County field of membership.
- Membership is open to employees of this credit union.
- Membership is open to employees of U.S. Steel, Texas Operations (formerly Lone Star Steel Company), Texas and Northern Railway Company, T&N Lone Star Warehouse Co., T&N Fabricators, Inc., and Lone Star Trucking Company, Inc., who work in Texas, Oklahoma, Illinois, Colorado, Ohio, Louisiana, Georgia, and Tennessee.
Military, government and schools
- Membership is open to all employed or certified to work in education, health care, professional fields, government / social services, and students (as outlined in written Board policy) in Camp County.
- Membership is open to all employed or certified to work in the education field in Avinger ISD and Hughes Springs ISD.
Family and household
- Membership is open to spouses of persons who died while within the field of membership of this Credit Union.
- Membership is open to relatives (including spouse, parents, grandparents, children, grandchildren, great grandchildren, brothers, sisters, and in-laws) of an individual who is either a current member or eligible for membership at East Texas Professional Credit Union.
Other ways
- Membership is open to persons receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within this field of membership.
Cost to join
- Each account holder must deposit a minimum share deposit of $5 into a savings account, remaining on deposit throughout membership.
Membership information collected October 5, 2026.