--- title: "Dugood Credit Union Rates (Nov 2026): CDs to 5.77%" description: "Dugood Credit Union rates today: savings & CDs up to 5.77% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Dugood Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/dugood" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Dugood Credit Union Rates (Nov 2026): CDs to 5.77% ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **5/1 ARM** 5 1 arm | — APR | 5.250% | — | Standard | | **Home Loan Rates (15 Year)** other | — APR | 5.500% | — | Standard | | **Home Loan Rates (10 Year)** other | — APR | 5.500% | — | Standard | | **Second Home Loan Rates (10 Year)** other | — APR | 5.750% | — | Standard | | **Land Loan Rates (5 Year)** other | — APR | 5.750% | — | Standard | | **Second Home Loan Rates (15 Year)** other | — APR | 5.750% | — | Standard | | **Land Loan Rates (15 Year)** other | — APR | 6.000% | — | Standard | | **Land Loan Rates (10 Year)** other | — APR | 6.000% | — | Standard | | **Home Loan Rates (30 Year)** other | — APR | 6.000% | — | Standard | | **Home Loan Rates (20 Year)** other | — APR | 6.000% | — | Standard | | **Second Home Loan Rates (20 Year)** other | — APR | 6.250% | — | Standard | Dugood Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Up to 48-Month Auto Loan (2026)** auto_any_48mo | — APR | 4.500% | 48 mo | Standard | | **New Autos Only** auto_new_84mo | — APR | 6.000% | 84 mo · new | Standard | Dugood Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 12 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan** heloc | — APR | 5.250% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (10 Year)** heloc_fixed | — APR | 5.250% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (5 Year)** heloc_fixed | — APR | 5.250% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 5.250% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (7 Year)** heloc_fixed | — APR | 5.250% | — | Standard | | **7-Year Home Equity Loan** heloc | — APR | 5.250% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (15 Year)** heloc_fixed | — APR | 5.500% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 5.500% | — | Standard | | **20-Year Home Equity Loan** heloc | — APR | 5.750% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (20 Year)** heloc_fixed | — APR | 5.750% | — | Standard | | **30-Year Home Equity Loan** heloc | — APR | 6.000% | — | Standard | | **Step 1: Compare Home Equity Loan Rates as Low as: (30 Year)** heloc_fixed | — APR | 6.000% | — | Standard | Dugood Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 11.250% | — | Standard | | **Home Owner Express** personal_unsecured_72mo | — APR | 11.750% | 72 mo | Standard | | **60-Month Personal Loan** personal_unsecured_60mo | — APR | 11.750% | 60 mo | Standard | Dugood Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 30 offers | Product | Published | Rate | Term / condition | Status | | **- Qualifications Not Met** savings | 0.05% APY | 0.05% | — | Standard | | **Business Checking Account** checking | 0.05% APY | 0.05% | — | Eligibility restricted | | **HSA** savings | — APY | 0.20% | — | Standard | | **Money Market Rates (Business Money Market Account)** money_market | — APY | 0.60% | — | Eligibility restricted | | **Business Money Market Account** money_market | — APY | 0.60% | — | Eligibility restricted | | **Money Market** money_market | — APY | 0.85% | — | Standard | | **Cumulative IRA Rates (Traditional IRA)** ira | — APY | 1.00% | — | Standard | | **Certificate/IRA Rates (3 Months)** ira_cd_3mo | 2.53% APY | 2.50% | 3 mo | Standard | | **Coverdell Certificate Rates (24 Months)** cd_24mo | — APY | 3.15% | 24 mo | Standard | | **Coverdell Certificate Rates (30 Months)** cd_30mo | — APY | 3.15% | 30 mo | Standard | | **Certificate/IRA Rates (24 Months)** ira_cd_24mo | — APY | 3.25% | 24 mo | Standard | | **Coverdell Certificate Rates (36 Months)** cd_36mo | — APY | 3.25% | 36 mo | Standard | | **Certificate/IRA Rates (30 Months)** ira_cd_30mo | — APY | 3.25% | 30 mo | Standard | | **Coverdell Certificate Rates (18 Months)** cd_18mo | — APY | 3.30% | 18 mo | Standard | | **Coverdell Certificate Rates (60 Months)** cd_60mo | — APY | 3.30% | 60 mo | Standard | | **Certificate/IRA Rates (36 Months)** ira_cd_36mo | — APY | 3.35% | 36 mo | Standard | | **Certificate/IRA Rates (60 Months)** ira_cd_60mo | — APY | 3.40% | 60 mo | Standard | | **Certificate/IRA Rates (18 Months)** ira_cd_18mo | — APY | 3.40% | 18 mo | Standard | | **Coverdell Certificate Rates (6 Months)** cd_6mo | — APY | 3.60% | 6 mo | Standard | | **Certificate/IRA Rates (6 Months)** ira_cd_6mo | 3.76% APY | 3.70% | 6 mo | Standard | | **Coverdell Certificate Rates (12 Months)** cd_12mo | — APY | 3.90% | 12 mo | Standard | | **Certificate/IRA Rates (12 Months)** ira_cd_12mo | — APY | 4.05% | 12 mo | Standard | | **120-Month Certificate** cd_120mo | — APY | 5.25% | 120 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.25% | 60 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.25% | 84 mo | Standard | | **15 Year** savings | — APY | 5.50% | — | Standard | | **20 Year** savings | — APY | 5.75% | — | Standard | | **- Qualifications Met** savings | 5.77% APY | 0.05% | — | Standard | | **Hi-Yield Checking Account** checking | — APY | 6.00% | — | Specialty offer | | **Hi-Yield Checking Account** checking | 6.00% APY | 5.84% | — | Specialty offer | Dugood Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Annual Cap: 2.00% Lifetime Cap: 5.00%** other | 2.000% % | 2.000% | — | Standard | | **Minimum Loan Amount is $15,000 Required Down Payment is 20%** other | — % | 20.000% | — | Standard | Dugood Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 5.77% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/dugood) , verified from [Dugood Credit Union's official website](https://www.dugood.org/) Loading branch locator… ## About Dugood Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 37.9K Assets $610.5M Founded 1962 Locations reported 14 NCUA charter 15146 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Rave Financial** Treadway Branch · Beaumont · TX · 77706 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/rave-financial) [**Fivepoint** FivePoint Credit Union · Beaumont · TX · 77706 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/fivepoint) [**Neches** Major Drive · Beaumont · TX · 77713 About 2.6 miles away](https://rateapi.dev/credit-unions/texas/neches) [**Education First** Education First Federal Credit Union - Administration · Beaumont · TX · 77706-6515 About 3.6 miles away](https://rateapi.dev/credit-unions/texas/education-first) [**Gulf** Beaumont · Beaumont · TX · 77706 About 3.6 miles away](https://rateapi.dev/credit-unions/texas/gulf) [**Sabine** Beaumont Branch · Beaumont · TX · 77706-4004 About 4.6 miles away](https://rateapi.dev/credit-unions/texas/sabine) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dugood Credit Union Membership eligibility from Dugood Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Dugood Credit Union's website. Check the membership page below to confirm whether you qualify. - Location chambers, hardin, jasper, jefferson, orange, liberty, newton, tyler — TX Verified from [Dugood Credit Union's membership page](https://www.dugood.org/new-member-app) . Final membership determination is always made by the credit union. ## Membership rules for Dugood Credit Union Geography 8 counties · Family 25 published paths to membership, last verified August 27, 2026, quoted from Dugood Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Chambers County, TX - Hardin County, TX - Jasper County, TX - Jefferson County, TX - Liberty County, TX - Newton County, TX - Orange County, TX - Tyler County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Chambers County, TX; Hardin County, TX; Jasper County, TX; Jefferson County, TX; Orange County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Members can also sponsor their immediate family as members.” > [source ↗](https://www.dugood.org/new-member-app) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dugood Credit Union? Yes No ## Work at Dugood Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dugood Credit Union ranks against Texas peers. - See which AI assistants fetched Dugood Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dugood&state=texas&code=TX&name=Dugood%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dugood Credit Union offer? Dugood Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Dugood Credit Union rates updated? RateAPI verifies Dugood Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Dugood Credit Union's rate data? Rate data is collected directly from Dugood Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Dugood Credit Union's best CD rate? As of November 12, 2026, Dugood Credit Union offers savings and certificate (CD) yields up to 5.77% APY. ### Who can join Dugood Credit Union? Dugood Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 8 counties for Dugood Credit Union, each quoted from Dugood Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Dugood Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dugood.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dugood Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dugood Credit Union curl "https://api.rateapi.dev/credit-unions/texas /dugood " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dugood Credit Union locations Search, filter, and browse all 14 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/dugood Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp