Credit union · NCUA insured
InTouch Credit Union Carrot Score
A $824.2M credit union headquartered in Plano, TX, with 72,819 members and 11 branches in 3 states.
InTouch Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
- CDs89
- Savings72
- Auto loans70
- Credit cards80
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where InTouch Credit Union ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
89top 12% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 4.10% | 93% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 4.15% | 86% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.80% | 72% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.50% | 67% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.15% | 76% | 3.85% | 4.15% | 4.35% |
Best rates 89.4 · all terms 78.8 → 85.2 → 89
Savings
72beats 32% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.25% | 58% | 0.20% | 0.50% | 1.51% |
| $10,000 | 0.25% | 33% | 0.50% | 1.15% | 2.20% |
| $100,000 | 0.40% | 30% | 1.00% | 2.01% | 2.93% |
| Qualified | 0.25% | 28% | 0.60% | 1.31% | 2.43% |
Best rates 30.2 · all balances 36.2 → 32.6 → 72
Auto loans
70beats 27% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 5.49% | 31% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 5.49%counts as 5.74% | 34% | 5.39% | 4.99% | 4.49% |
Best rates 33.8 · all vehicles 32.6 → 33.3 → 70
Credit cards
80top 48% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 10.75% | 53% | 10.90% | 9.90% | 8.90% |
Best rates 52.6 · all rates 52.6 → 52.6 → 80
Where the score could improve
- Credit cards, Purchase APR9.90%10.75% today, lower than 53% of U.S. institutions. 9.90% would reach the top quarter; 8.90% the top 10%.
- CDs, 31-60 months3.65%3.50% today, higher than 67% of U.S. institutions. 3.65% would reach the top quarter; 4.07% the top 10%.
- CDs, 16-30 months3.85%3.80% today, higher than 72% of U.S. institutions. 3.85% would reach the top quarter; 4.20% the top 10%.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How InTouch Credit Union got its score
Its products stand at 85.2 for CDs, 52.6 for credit cards, 33.3 for auto loans and 32.6 for savings, out of 100. Its best two, CDs and credit cards, average 68.9. Publishing four products adds 3.0, for 71.9. That puts it in the top 38% nationally: a Carrot Score of 83.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.