Credit union · NCUA insured
TxDot Credit Union Savings Rates
TxDot Credit Union’s best savings rate is 0.30% APY on $10,000, with its Share (Savings) Account. Rates checked October 16, 2026.
How TxDot Credit Union’s savings rates compare
Compared with banks and credit unions near Odessa, TX, where TxDot Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TxDot Credit Union
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Share (Savings) Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
TxDot Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 TxDot 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.
Share (Savings) Account
0.30%APY
Serves as share ownership in the credit union. Dividends are calculated by the average daily balance method and dividend rate/percentage yield may change quarterly without notice. Must maintain minimum average daily balance of $25.00 to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Average Daily Balance tier: $25.00 to $100.00. Rates declared for 1st Quarter of 2026. | 0.10% | — | Average Daily Balance tier: $25.00 to $100.00. Rates declared for 1st Quarter of 2026. |
| $100 – $1,000Average Daily Balance tier: $100.01 to $1,000.00. Rates declared for 1st Quarter of 2026. | 0.20% | — | Average Daily Balance tier: $100.01 to $1,000.00. Rates declared for 1st Quarter of 2026. |
| $1,000 – $500,000Average Daily Balance tier: $1,000.01 to $500,000.00. Rates declared for 1st Quarter of 2026. | 0.30% | $30 | Average Daily Balance tier: $1,000.01 to $500,000.00. Rates declared for 1st Quarter of 2026. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.00%APY
Rates declared for 1st Quarter of 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Account as declared for the 1st quarter of 2026.Any balance | 1.00% | $100 | IRA Account as declared for the 1st quarter of 2026. |
Sources (2)
All captured Sep 17, 2026
Who can join TxDot Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Texas Department of Transportation, Texas Department of Public Safety and Motor Vehicles who live in or work in Taylor, Jones, Mitchell, Haskell, Fisher, Nolan, Shackelford, Stonewall, Howard, Borden, Kent, Scurry, Andrews, Crane, Ector, Loving, Martin, Midland, Pecos, Reeves, Terrell, Upton, Ward and Winkler counties (Old District 8 and District 6) are eligible to join.
- Employees of Taylor County Sheriff’s Department are eligible to join.
- Persons who are receiving retirements, pensions or other benefits as a result of prior employment by any business or organization included with the field of membership are eligible to join.
Family and household
- Anyone related by blood, marriage or adoption to an existing member is eligible to join.
Membership information collected October 5, 2026.