Credit union · NCUA insured
Morris Sheppard Texarkana FCU Savings Rates
A $13.4M credit union headquartered in Texarkana, TX, with 1,251 members and 1 branch in Texas.
How Morris Sheppard Texarkana FCU’s savings rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Morris Sheppard Texarkana FCU has the most branches. $10,000, best rate first.
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Red River Credit Union
2.60%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $260
3rd-highest rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Morris Sheppard Texarkana FCU savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.29%
- $10,000 balance$10,0000.44%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.44%
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 Morris Sheppard Texarkana FCU 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.
Regular Savings
0.44%APY on $10,000
Tiered rates apply only to the portion of the balance within each tier. Dividends begin accruing on balances of $50.00 or more. Rates are variable and may change after opening. Fees may reduce earnings.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.30% |
| $1,000 – $5,000 | 0.40% |
| $5,000 and up | 0.50% |
On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.
Special-purpose accounts
Christmas Club Savings
0.44%APY on $10,000
Save all year and receive funds automatically in the fall. Tiered rates apply only to the portion of the balance within each tier. Dividends begin accruing on balances of $50.00 or more. Rates are variable and may change after opening. Fees may reduce earnings.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.30% |
| $1,000 – $5,000 | 0.40% |
| $5,000 and up | 0.50% |
On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.
Who can join Morris Sheppard Texarkana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Texarkana Water Utilities are eligible for membership.
Military, government and schools
- Employees of Bowie County are eligible for membership.
- Employees of City of Nash, TX are eligible for membership.
- Employees of City of Texarkana, AR are eligible for membership.
- Employees of City of Texarkana, TX are eligible for membership.
- Employees of City of Wake Village, TX are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Miller County are eligible for membership.
Family and household
- Immediate family members (spouse, children, and grandchildren) of employees of qualifying employer groups or members are eligible to join.
Membership information collected October 5, 2026.