Texans Credit Union Savings & Money Market Rates

How Texans Credit Union’s savings rates compare

Compared with banks and credit unions near Dallas, TX, where Texans Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Texans Credit Union
3.50%APY
Requires
Monthly account activity
Minimum
$5
Earns on $10,000 a year
$350
My Texans Savings
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

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Savings score

Higher than 82% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.01%
$10,000 balance$10,0001.50%
$100,000 balance$100,0002.25%
QualifiedQualified3.50%

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.

How the score works →

Where Texans 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.

Performance Money Market Account

1.50%APY$500 to open

Requires a minimum opening deposit of $500. Membership required. Variable rate account. Dividends compounded and credited monthly. Monthly service fee of $10 applies if balance falls below $2,500 (fee is avoided if balance is $2,500 or higher).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Monthly service fee of $10 waived with minimum balance of $2,500.	1.25%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$10,000 – $25,000Monthly service fee of $10 waived with minimum balance of $2,500.	1.50%	$150	Monthly service fee of $10 waived with minimum balance of $2,500.
$25,000 – $50,000Monthly service fee of $10 waived with minimum balance of $2,500.	1.75%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$50,000 – $100,000Monthly service fee of $10 waived with minimum balance of $2,500.	2.00%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$100,000 – $250,000Monthly service fee of $10 waived with minimum balance of $2,500.	2.25%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$250,000 – $500,000Monthly service fee of $10 waived with minimum balance of $2,500.	2.50%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$500,000 – $750,000Monthly service fee of $10 waived with minimum balance of $2,500.	3.00%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$750,000 – $1,000,000Monthly service fee of $10 waived with minimum balance of $2,500.	3.25%	—	Monthly service fee of $10 waived with minimum balance of $2,500.
$1,000,000 and upMonthly service fee of $10 waived with minimum balance of $2,500.	3.50%	—	Monthly service fee of $10 waived with minimum balance of $2,500.

Sources (3)

All captured Sep 17, 2026

My Texans Savings

Up to 3.50%APYRequirements apply$5 to open

Minimum balance of $5 required to open a Regular/My Texans Savings account. Minimum daily balance of $25 is required to earn dividends. Dividends compounded monthly and credited each calendar month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $20,000Requires linked Texans Two-Step Checking account with monthly direct deposits of $2,000 or more during the qualification cycle. Balances up to $20,000 earn 3.50% APY.	3.50%	$350	Requires linked Texans Two-Step Checking account with monthly direct deposits of $2,000 or more during the qualification cycle. Balances up to $20,000 earn 3.50% APY.
$25 and upStandard rate on My Texans Savings (Regular Savings). Minimum balance of $25 required to earn dividends.	0.01%	$1	Standard rate on My Texans Savings (Regular Savings). Minimum balance of $25 required to earn dividends.
Over $20,000Portion of balance over $20,000 when linked to Texans Two-Step Checking.	0.01%	—	Portion of balance over $20,000 when linked to Texans Two-Step Checking.

Sources (4)

All captured Sep 17, 2026

Additional Savings

0.01%APY$1 to open

No monthly service charge. No minimum balance requirement ($1 opening deposit required). Dividends compounded monthly and credited each calendar month.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends on all balances. $0 minimum balance required to earn dividends.Any balance	0.01%	$1	Dividends on all balances. $0 minimum balance required to earn dividends.

Sources (2)

All captured Sep 17, 2026

Special-purpose accounts

Coverdell Education Savings

0.05%APYIRA$5 to open

Earnings are tax-free if used for qualified education expenses. Withdrawals not used for educational expenses are subject to tax and a 10% additional tax penalty of earnings. $5 opening deposit required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends on all balances. $0 minimum balance required to earn dividends.Any balance	0.05%	$5	Dividends on all balances. $0 minimum balance required to earn dividends.

Sources (2)

All captured Sep 17, 2026

IRA (Traditional and Roth)

0.05%APYIRA$5 to open

Membership required. Dividends compounded monthly and credited each calendar month.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceTraditional and Roth IRA savings account.Any balance	0.05%	$5	Traditional and Roth IRA savings account.

Sources (1)

texanscu.org/rates/savings-accounts · captured Sep 17, 2026

Closed to new customers

Star Savers Youth Savings

0.01%APYKids and teens

Grandfathered account (existing accounts only). Upon the youth’s 22nd birthday, the account converts to Regular Savings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Balances up to and including $5,000 earn 5.00% APY (4.89% dividend rate / APY as of 05/01/2026).	5.00%	—	Balances up to and including $5,000 earn 5.00% APY (4.89% dividend rate / APY as of 05/01/2026).
Over $5,000Balances over $5,000 earn the Regular Savings account rate (0.01% APY).	0.01%	$1	Balances over $5,000 earn the Regular Savings account rate (0.01% APY).

Sources (1)

texanscu.org/rates/savings-accounts · captured Sep 17, 2026

Holiday Club Savings

0.05%APYClub

Grandfathered account (existing accounts only). Dividends compounded monthly and credited each calendar month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000For balances $100–$999.99.	0.02%	—	For balances $100–$999.99.
$1,000 – $25,000For balances $1,000–$24,999.99.	0.05%	$5	For balances $1,000–$24,999.99.
$25,000 and upFor balances over $25,000.	0.10%	—	For balances over $25,000.