Texoma CCU Cashtastic Checking Competitive Rate Still In Effect


Deal Summary: Cashtastic Checking, 3.51% APY on qualifying balances up to $10k.

Availability: Residents of 11 Rolling Plains Texas counties.

More than four years ago, I wrote about Texoma Community Credit Union’s (Texoma CCU) Ultimate Rewards Checking, which earned 3.51% APY on qualifying balances up to $10k. While that rate and balance cap are still in effect, the name of Texoma CCU’s reward checking account is now Cashtastic Checking. Qualifying balances over $10k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

The Cashtastic Checking monthly qualification requirements include,

  • Have at least 10 signature-based or PIN-based debit card purchases (minimum $10 each)
  • Have at least one direct deposit, one bill pay, or one ACH payment
  • Be enrolled in and agree to receive E-Statements

The Cashtastic Checking account has no minimum balance requirement or monthly service fee, but there is a minimum $100 opening deposit requirement. Unlimited nationwide ATM fees will be reimbursed up to $10 per month, if qualify requirements are met. There is a limit of one Cashtastic Checking account per Social Security number.

Cash Back Checking

Texoma CCU’s Cash Back Checking account earns 3.00% cash back on debit card purchases, limited to the first $400 in monthly debit card purchases. If you are planning on maintaining a balance under $4,100, the Cash Back Checking account would probably be a better deal than the Cashtastic Checking account; the maximum annual earnings for the Cash Back Checking account is $144 ($12 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 Texas counties of Archer, Baylor, Clay, Ford, Hardeman, Jack, Montague, Throckmorton, Wichita, Wilbarger, or 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.

Joining Texoma CCU can be done online or at any of the three Texas branches, all located in Wichita Falls.

At this time, all of our branches are observing their normal business hours. The most
up to date information will be posted to our website and social media channels.

Opening and maintaining a Savings Account with a minimum $25 balance is required to establish a Texoma CCU membership.

Opening an Cashtastic Checking account can be done at any of the above-mentioned branch locations or online, using the Click Switch online portal.

Credit Union Overview

Texoma Community Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.80% (excellent) based on June 30, 2020 data. In the past year, Texoma CCU has increased its total non-brokered deposits by $23.74 million, an excellent annual growth rate of 17.25%. Please refer to our financial overview of Texoma Community Credit Union (NCUA Charter # 61527) 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 National Federation 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 20,000 members and assets in excess of $196 million.

How the Cashtastic Checking Compares

When compared to the High Yield Reward Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $10k, Texoma Community Credit Union’s Cashtastic Checking APY currently ranks second.

The above rates are accurate as of 11/23/2020.

To search for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Wichita Falls checking accounts, reward checking accounts

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...

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