Overview / Commentary
972-263-5171
5850 W Interstate 20 Suite 200
Arlington, TX 76017

Texas Trust Credit Union is headquartered in Arlington and is the 17th largest credit union in the state of Texas. It is also the 241st largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 266 employees and 113,791 members at 21 locations. Texas Trust Credit Union's CD rates are 83% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Texas Trust Credit Union is open to those who live, work, or worship in Dallas, Henderson, Tarrant, or Tom Green Counties in Texas, or in select areas of Denton, Ellis, or Johnson Counties. Membership is also open to UT Arlington alumni and students (current or incoming).
See current membership details

Related Posts

Texas Trust Credit Union (TX) Adds 19-Month Promo CD - 6/5/2018

Texas Trust CU (TX) has added a limited-time 19-month Promotional CD, earning 2.70% APY. Minimum deposit is $500 and is capped at $1m per member.

Reviews (4)

Getting Cash

Posted by: CAB2014 | Sep 28, 2014

I presented a check from a member, I'm not a member, and had to present my DL for verification. All good. UNTIL, they wrote my DL #, my address, phone number and date of birth on the back of the check. I know this member only via him buying something from my Craigslist ad. So now HE has all my ID and identity theft comes to mind. NEVER utilize this bank for anything!

GREEDY BIG BROTHER

Posted by: soldtoups | Apr 30, 2014

TTCU has chosen to freeze for seven business days a cashier check from Chase bank that is a local clearing partner, when the funds should have been made available 2 business days from the date of deposit. They have let $3K release today (5 business days after the deposit); however, maintain to freeze the other funds for a total of 7 business days. According to the big man and statement below, they are suppose to assist our friends into realistic belief that they are indeed better than the competition?????? Second federal law states that a cashier check can only be held for 2 days when it is drawn within the local area when two institutions are clearing each other's checks.

Additionally, the local branch manager did not return a call today regarding a question about the clearing and why the funds were not released according to the Federal Regulations that are stipulated below. Wonder why the will not address their friends and neighbors? And an institution in the community since 1936?


Needless to say they are a true Texas institution full of bull and no real substance.



"Texas Trust exists for one simple purpose. To help build brighter financial futures. Our members are our friends, neighbors and business leaders, and we've been helping them to live brighter since 1936. Due to our commitment to service so great our members will brag about it and a "can do" attitude, Texas Trust has grown into a network of neighborhood branches with assets worth well over a half-billion dollars.

Despite our phenomenal growth, we maintain the spirit of a member-owned, personal finance cooperative with the same small-town, friendly service we've offered our members since we opened our doors. Serving the counties of Dallas, Tarrant, Henderson and majority of Ellis and Johnson counties, Texas Trust is ready to show you what living brighter is all about."



Jim Minge

Federal Regulations directly posted online

§4003. Safeguard exceptions
(a) New accounts
Notwithstanding section 4002 of this title, in the case of any account established at a depository institution by a new depositor, the following provisions shall apply with respect to any deposit in such account during the 30-day period (or such shorter period as the Board, jointly with the Director of the Bureau of Consumer Financial Protection, may establish) beginning on the date such account is established—

(1) Next business day availability of cash and certain items
Except as provided in paragraph (3), in the case of—

(A) any cash deposited in such account;

(B) any funds received by such depository institution by wire transfer for deposit in such account;

(C) any funds deposited in such account by cashier's check, certified check, teller's check, depository check, or traveler's check; and

(D) any funds deposited by a government check which is described in subparagraph (A), (B), or (C) of section 4002(a)(2) of this title,



such cash or funds shall be available for withdrawal on the business day after the business day on which such cash or funds are deposited or, in the case of a wire transfer, on the business day after the business day on which such funds are received for deposit.

NSF & Transfer Fees

Posted by: Regalhawk | Aug 21, 2012

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Suggest anyone that uses Texas Trust Credit Union, look at your statements for NSF fees, especially if there are fees being charged with sufficeint funds in the account.

 

If so, please go to: http://cud.texas.gov/page/file-a-complaint-against-a-credit-union and file a complaint - asap.

There might be problem - 

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35 Years Means Nothing To This Bank

Posted by: PamC | Jul 6, 2012

I have banked here for over 35 years. We currently have 6 accounts here 3 for my grandchildren. All was well until I paid off a 35,000 loan with them. After 35 years of banking here, and paying off a loan, they downgraded me from an Eagle member to a Community member. That's when the problems started. Everytime a transfer is done from my savings into my checking they started charging me 5.00. Might not sound like much but when you're out of state on vacation spending your own money, it adds up. Then when I sent an email inquiring about the charges, Angela, responded rather rudely. After several emails, trying to understand why they downgraded me to a community member and started with all these charges, we are considering closing all 6 accounts with them. After 35 years, that's the thanks we get. We had no warning they changed our status or the charges would begin for transferring MY money. Go figure! What happened to customer service? 35 years means nothing!



Health

Health Grade Components

Overall
NCUA #68434
Year Chartered1936
Employees266
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.91%
Annual Interest Income$18.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.22B$1.05B
LoansQ2 2018vs Q2 2017$912.0MM$805.9MM
DepositsQ2 2018vs Q2 2017$979.5MM$789.3MM
Equity CapitalQ2 2018vs Q2 2017$120.4MM$102.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.4MM$2.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$877.00K$833.00K
Real Estate OwnedQ2 2018vs Q2 2017$2.8MM$3.6MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Texas Trust Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Texas Trust Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Holiday Savings
0.10%$100-Regular Share
0.10%$100-Secondary Share
0.10%$5-Clubhouse Share
0.10%$100-Business Share
0.10%$100-MASTERCARD Share
0.10%$100-VISA Share

Texas Trust Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$250k*-Money Market
OTHER TIERS: 0.16% $2.5k - $10k | 0.35% $10k - $50k | 0.55% $50k - $250k
0.41%*$250k*-Business Mega Money Market
OTHER TIERS: 0.22% $25k - $50k | 0.30% $50k - $250k
0.22%*$10k*-Business Money Market
OTHER TIERS: 0.16% $2.5k - $10k

Texas Trust Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*$100kPower Checking
OTHER TIERS: 0.50% $5k - $25k
0.15%$25k-Bonus Checking
0.10%$2.5k-Business Executive Checking
0.10%*$20k*$30kStudent Checking
OTHER TIERS: 0.02% $1 - $1k | 0.05% $1k - $10k | 0.07% $10k - $20k
0.05%$500-Business Checking w/ Interest
0.05%$2.5k-Business Professional Checking
0.05%$1k-Easy Checking

Texas Trust Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$500$1m19 Month Promotional CD
2.50%$500-5 Year CD
2.30%$5k-5 Year Flex CD
2.20%$500-4 Year CD
2.05%$500-3 Year CD
2.00%$5k-4 Year Flex CD
1.90%$500-2 Year CD
1.85%$5k-3 Year Flex CD
1.70%$5k-2 Year Flex CD
1.65%$98k-1 Year Jumbo CD
1.60%$50k-1 Year Mini Jumbo CD
1.55%$500-1 Year CD
1.55%$100-1 Year Smart Start Youth CD
1.30%$98k-6 Month Jumbo CD
1.30%$98k-9 Month Jumbo Public Servant CD
1.25%$5k-1 Year Flex CD
1.25%$50k-6 Month Mini Jumbo CD
1.25%$50k-9 Month Mini Jumbo Public Servant CD
1.20%$500-6 Month CD
1.20%$1k-9 Month Mega Flex Public Servant CD
1.05%$5k-6 Month Flex CD
1.00%$10k-15 Month 55 and Better Promotional CD (New Money Only)
0.85%$98k-3 Month Jumbo CD
0.80%$50k-3 Month Mini Jumbo CD
0.75%$500-3 Month CD
0.55%$10k-15 Month 55 and Better CD

Texas Trust Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$500-5 Year IRA
2.25%$500-4 Year IRA
2.10%$500-3 Year IRA
1.90%$500-2 Year IRA
1.55%$500-1 Year IRA
Locations

Availability



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