Credit union · NCUA insured
Texell Credit Union Savings Rates
Top CarrotTexell Credit Union’s best savings rate is 3.50% APY on $10,000, with its Save First. Rates checked October 16, 2026.
How Texell Credit Union’s savings rates compare
Compared with banks and credit unions near Killeen, TX, where Texell Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
Save First
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
PenFed Credit Union
2.70%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $270
Texell Credit Union savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0001.95%
- 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.
Where Texell 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.
Save First
Up to 3.50%APY
Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $30,000Enhanced APY earned on balances up to $30,000 if there are no withdrawals or transfers from the account during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0. | 3.50% | $350 | Enhanced APY earned on balances up to $30,000 if there are no withdrawals or transfers from the account during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0. |
| Up to $30,000Standard rate applied if any withdrawals or transfers occur during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0. | 0.30% | $30 | Standard rate applied if any withdrawals or transfers occur during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0. |
| $30,000 and upMinimum daily balance to earn dividends is $30,000.01. Minimum to avoid service charge is $0. | 0.00% | — | Minimum daily balance to earn dividends is $30,000.01. Minimum to avoid service charge is $0. |
Money Market
1.15%APY
Dividends are paid monthly and deposited into the account. Deposits insured up to $500,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 1.15% | $115 |
| $50,000 – $100,000 | 1.30% | — |
| $100,000 – $250,000 | 1.95% | — |
| $250,000 and up | 2.30% | — |
Savings
0.30%APY
Minimum balance of $5 stays on deposit for the life of the account as ownership in the Credit Union. New members pay a $5 lifetime membership fee. Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0.$100 and up | 0.30% | $30 | Minimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0. |
Special-purpose accounts
IRA Savings
1.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0.$100 and up | 1.10% | $110 | Minimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0. |
Sources (1)
- texell.org/learn/rates · captured Oct 6, 2026
Dollar Squad Savings
1.00%APY
Available for youths ages 12 and under. $5 membership fee is waived. Quarterly dividends paid on balances over $5. Uniform Transfers to Minor Act Accounts only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0. Uniform Transfers to Minor Act Accounts only.$5 and up | 1.00% | $100 | Minimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0. Uniform Transfers to Minor Act Accounts only. |
Sources (3)
All captured Oct 6, 2026
Thr!ve Savings
1.00%APY
Designed exclusively for ages 13–17. Membership fee is waived. Converts to regular savings and checking on 18th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0.$5 and up | 1.00% | $100 | Minimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0. |
| $5 and upTexell waives the $5 membership fee. Minimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0.$5 and up | 1.00% | $100 | Texell waives the $5 membership fee. Minimum daily balance to earn dividends is $5. Minimum to avoid service charge is $0. |
Sources (3)
All captured Oct 6, 2026
Who can join Texell Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Any Texas resident or business can join through the Texell Serves Foundation with membership fee covered courtesy of Texell.
Where you live or work
- Individuals who live, work, worship, or attend school in Bell, Bosque, Burnet, Coryell, Falls, Hill, Lampasas, Limestone, McLennan, Milam, Travis, or Williamson County qualify directly for membership.
Family and household
- Immediate family members of existing Texell members are eligible to join.
Membership information collected October 5, 2026.