Texoma CCU (TX) Offers Ultimate Rewards Checking


Availability: Residents of the Texas counties of Archer, Baylor, Clay, Ford, Hardeman, Jack, Montague, Throckmorton, Wichita, Wilbarger, and Young.

More than three years ago, Texoma Community Credit Union (Texoma CCU) raised the rate on its Ultimate Rewards Checking to 3.51% APY on qualifying balances up to $10k, and that rate is still in effect today. Qualifying balances over $10k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

Ultimate Rewards Checking Qualifying Requirements

  • Have at least 10 signature-based debit card purchases, each greater than $10.00.
  • Have at least one Direct Deposit, or one Automatic Payment, or one Online Bill Pay.

While the Ultimate Rewards Checking account has no minimum balance requirement and no monthly fees, there is a limit of one account per Social Security Number. Nationwide ATM fees will be reimbursed up to $10 per month.


Headquartered in Wichita Falls, Texoma Community Credit’s field of membership (FOM) is residency-based, with individuals who live or work in the northwest Texas counties of Archer, Baylor, Clay, Ford, Hardeman, Jack, Montague, Throckmorton, Wichita, Wilbarger, and Young.

Even though the name "Texoma" is used describe the area on either side of the border between Texas and Oklahoma along the Red River Valley, the Credit Union’s FOM only includes Texas.

Opening an Ultimate Rewards Checking account can be done online or at either of the two Wichita Falls branches. The Ultimate Rewards Checking account is the only produ

Credit Union Overview

Texoma Community Credit Union (NCUA Charter # 61527) has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 4.67% (excellent) based on December 31, 2015 data. In the past year, Texoma CCU has increased its total deposits by $1.54 million, an above average annual growth rate of 1.59%. Please refer to our financial overview of Texoma Community Credit Union for more details.

Texoma Community Credit Union’s story began in 1953 when a group of federal civil service employees at Sheppard Air Force Base established the Nation Federal of Federal Employees Credit Union. Between 1963 and 1984, the Credit Union went through five mergers and four name changes, the last occurring in August 1984 when a community charter was granted and Texoma Community Credit Union came into being. Today, Texoma CCU has nearly 13,000 members and assets in excess of $114 million.

How the Ultimate Rewards Checking Compares

When compared to the 43 High Yield Reward Checking Accounts tracked by DepositAccounts.com, which are available to residents of the Wichita Falls metro area and have maximum qualifying balances of at least $10k, Texoma Community Credit Union’s Ultimate Rewards Checking APY currently ranks second.

The above rates are accurate as of 5/16/2016.

To look for the best nationwide Reward Checking Account rates and the best Reward Checking Account rates in your state, please refer to our High Yield Reward Checking Account rates table or our new Rates Map page.

Related Pages: Texoma Community Credit Union, Wichita Falls


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