Credit union · NCUA insured
Texas Tech Credit Union Savings Rates
Top CarrotTexas Tech Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Texas Tech Credit Union’s savings rates compare
Compared with banks and credit unions near Lubbock, TX, where Texas Tech Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texas Tech Credit Union
2.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $225
Money Market Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornerstone Capital Bank
3.50%APY
- Minimum
- $50
- Earns on $10,000 a year
- $350
Texas Tech Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.25%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.25%
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 Texas Tech 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 Savings
2.25%APY
Rates subject to change based on account balance criteria. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 2.25% | $225 |
| $50,000 – $100,000 | 2.50% | — |
| $100,000 – $250,000 | 2.75% | — |
| $250,000 – $500,000 | 3.00% | — |
| $500,000 – $1,000,000 | 3.25% | — |
| $1,000,000 and up | 3.50% | — |
Sources (1)
- texastechfcu.org/rates · captured Sep 17, 2026
Save Account
1.00%APY
No monthly service fees. Requires a $1 minimum balance. Dividends earned based on daily account balance and paid monthly. Federally insured by NCUA to at least $250,000. Mobile and online banking access included.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 1.00% | $100 |
Who can join Texas Tech Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the American Consumer Council at no additional cost to qualify for membership.
Military, government and schools
- Employees and retirees of specified school districts and Lubbock Christian University are eligible for membership.
- Students, employees, retirees, and alumni of Texas Tech University and Texas Tech Health Sciences Center are eligible for membership.
Family and household
- Immediate family members of individuals who qualify through education affiliations or who are current members of Texas Tech Credit Union are eligible for membership.
- Relatives of a current member are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.