Texas Trust Credit Union 15-Month Promo CD Is Near-Rate Leader


Deal Summary: 15-month Promotional CD, 4.59% APY, $500 minimum deposit, new money (incudes funds deposited within the last 30 days).

Availability: Residents of six North Central Texas counties and one Concho Valley county.

For a limited time, Texas Trust Credit Union (Texas Trust) is offering 4.59% APY on its 15-month Promotional CD. The minimum deposit is $500 of new money, which includes “funds deposited to a Texas Trust account within the last 30 days;” there is no stated balance cap.

5.06%$500-Texas Trust Credit Union15 Month Promotional CD - New Money
Rates as of April 9, 2024.

According to the 15-month Promotional CD landing page,

Promotional rate will be available for a limited time only and is subject to expiration without notice.

As stated in the Truth-in Savings disclosure, the Early Withdrawal Penalty reads as follows:

TERM OF ONE YEAR OR MORE: 180 days' dividends will be forfeited, if earned
dividends are not available, the penalty will reduce the Certificate's principal.

Funding and Other Particulars

  • Funding – ACH, wire, or internal transfer.
  • CO-OP Shared Branch Network – No.
  • Maturing Funds – cashier’s check to the address on file or transferred into a Regular Shares savings account.
  • Dividends – compounded/credited monthly and can be withdrawn throughout during the term without penalty.
  • Grace Period – 10 calendar days before renewal to a 1-year term and rate.
  • Beneficiaries – unlimited, equal shares, Social Security numbers required.


Headquartered in the Dallas suburb of Arlington, Texas Trust Credit Union’s field of membership (FOM) includes individuals who live, work, or worship in the Texas counties of Dallas, Henderson, Tarrant, or Tom Green Counties, or in select areas of Denton, Ellis, or Johnson Counties.

UT Arlington alumni and students (both current and incoming) are also eligible to join.

Family members of individuals eligible to join Texas Trust are welcome to apply.

Joining Texas Trust and/or opening the Promotional CD can be done online, or at any of 22 Texas branches, located in Arlington (6), Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie (3), Hurst, Irving, Mansfield (2), Midlothian, and San Angelo (2). Appointments are available and can be scheduled online.

All it takes is $5 to open your account, and that gives you one share in the ownership of Texas Trust Credit Union. Plus, when you reach a balance of $100 in your Share Account, you’ll begin to accumulate monthly dividend payments.

Texas Trust does not participate in the CO-OP Shared Branch or ATM networks, but is a member of the Allpoint ATM network, which has more than 55,000 conveniently-located fee-free ATMs.

Credit Union Overview

Texas Trust Credit Union has an overall health rating of "A" on DepositAccounts.com, with a Texas Ratio of 0.47% (excellent), based on June 30, 2022 data. In the past year, Texas Trust has increased its total non-brokered deposits by $158.25 million, excellent annual growth rate of 12.03% growth rate. Please refer to our financial overview of Texas Trust Credit Union (NCUA Charter # 68434) for more details.

Texas Trust Credit Union is currently the 18th largest credit union headquartered in Texas, but its journey began in Connecticut in 1936 when the employees of the Chance Vought Aircraft Corporation (CVAC) established a credit union. Twelve years later, CVAC relocated to Dallas and by 1952, its credit union was the largest in Texas. The Texas Trust re-brand occurred in 2004 following two mergers and FOM expansion. In 2013, Texas Trust merged with Arlington-based Security One Federal Credit Union and was named the Credit Union Sponsor of the University of Texas at Arlington Intercollegiate Athletics. The most recent merger occurred in March of this year when Texas Federal Credit Union joined the Texas Trust family, boosting the membership to more than 132,000 with assets in excess of $1.9 billion.

How the 15-Month Promotional CD Compares

When compared to similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM and have minimum deposit requirements of $10k or less, one bank and two credit unions barely have higher rates than offered on the Texas Trust Credit Union 15-month Promotional CD. The following table compares the 15-month Promotional CD to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 11/14/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Dallas CD rates, San Angelo CD rates, 1-year CD rates

Texas Trust Credit Union's Power Checking Earns 3.00% APY
Deal Summary: Power Checking, 3.00% APY on balances between $5k and $100k, $5k minimum opening deposit.

Availability: Residents of six North Central Texas counties and one Concho Valley county.

Texas Trust Credit Union (Texas Trust) recently increased the rate on its Power Checking account from 1.00% APY to 3.00% APY on qualifying balances between $5k and $100k. Balances below $5k and about $100k do not earn any interest. The minimum opening deposit is $5k.

Other than maintaining a minimum $5k balance, the only other monthly requirement to...

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Texas Trust Credit Union (TX) Adds 19-Month Promo CD
Deal Summary: 19-month Promotional CD, 2.70% APY, $500 minimum deposit, with a $1 million maximum deposit per member.

Availability: Residents of six North Central Texas counties and one Concho Valley county.

Texas Trust Credit Union (Texas Trust) is offering a “Texas-sized return” of 2.70% on its 19-month Promotional CD. This limited-time offer can be opened with a $500 minimum deposit, and is capped at a $1m per member. According to the fine print on the Share CD page, “At maturity, deposits and interest will renew as a 12-month...

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.