--- title: "Morris Sheppard Texarkana Credit Union Rates - Texas" description: "Current vehicle loan, personal loan, savings & cd, and equipment loan rates from Morris Sheppard Texarkana Credit Union in Texas. Updated daily with source verification. See who can join Morris Sheppard Texarkana Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/morris-sheppard-texarkana" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Morris Sheppard Texarkana Credit Union Rates - Texas ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Recreational Loans Finance boats, ATVs, motorcycles, RVs, and more.** powersports | — APR | 4.500% | — | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 4.500% | 72 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 4.500% | 60 mo · used | Standard | Morris Sheppard Texarkana Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Loans Unsecured loans for life s unexpected moments, from 8.75% APR.** personal_unsecured | — APR | 8.750% | — | Standard | Morris Sheppard Texarkana Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Certificate** cd_24mo | — APY | 3.75% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.80% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.80% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 4.00% | 6 mo | Standard | Morris Sheppard Texarkana Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Equipment Loans Farm and agricultural equipment financing with local approval.** equipment | — APR | 4.500% | — | Standard | Morris Sheppard Texarkana Credit Union equipment loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Zero Turn Mower (New)** other | — % | 4.500% | — | Standard | | **Zero Turn Mower Loans Financing for new zero turn mowers with member-friendly rates.** other | — % | 4.500% | — | Standard | Morris Sheppard Texarkana Credit Union other rates as of November 12, 2026 Morris Sheppard Texarkana Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/morris-sheppard-texarkana) , verified from [Morris Sheppard Texarkana Credit Union's official website](http://morrissheppardfcu.org/) Loading branch locator… ## About Morris Sheppard Texarkana Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.3K Assets $13.4M Founded 1934 Locations reported 2 NCUA charter 1 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile payments 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. [**Federal Employees** Federal Employees · Texarkana · TX · 75501 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/federal-employees) [**Domino** Liberty Eylau · Texarkana · TX · 75501 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/domino) [**Red River Employees** Hwy 59 LE Office - TX · Texarkana · TX · 75501 About 2.3 miles away](https://rateapi.dev/credit-unions/texas/red-river-employees) [**Mil-Way** Texarkana Texas Branch · Texarkana · TX · 75501-6269 About 3.7 miles away](https://rateapi.dev/credit-unions/arkansas/mil-way) [**Texarkana Terminal Employees** MORRIS SHEPPARD FCU · TEXARKANA · TX · 75501 About 6.4 miles away](https://rateapi.dev/credit-unions/texas/texarkana-terminal-employees) [**Texar** TEXARKANA · TEXARKANA · TX · 75503 About 6.5 miles away](https://rateapi.dev/credit-unions/texas/texar) 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 Morris Sheppard Texarkana Credit Union Membership eligibility from Morris Sheppard Texarkana Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Morris Sheppard Texarkana Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Texarkana, TX, City of Texarkana, AR, City of Wake Village, TX Verified from [Morris Sheppard Texarkana Credit Union's membership page](https://morrissheppardfcu.org/about) . Final membership determination is always made by the credit union. ## Membership rules for Morris Sheppard Texarkana Credit Union Employers 3 · Family 6 9 published paths to membership, last verified August 27, 2026, quoted from Morris Sheppard Texarkana Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of City of Texarkana, TX “Membership at Morris Sheppard Texarkana FCU is open to employees and immediate family members of the following qualifying employer groups: City of Texarkana, TX” > [source ↗](https://morrissheppardfcu.org/about) - Employee of City of Texarkana, TX - Employee of City of Texarkana, AR “City of Texarkana, AR” > [source ↗](https://morrissheppardfcu.org/about) - Employee of City of Texarkana, AR - Employee of City of Wake Village, TX “City of Wake Village, TX” > [source ↗](https://morrissheppardfcu.org/about) - Employee of City of Wake Village, TX ### Family 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, children, grandchildren “And because membership runs in the family, your spouse, children, and grandchildren are eligible to join as well.” > [source ↗](https://morrissheppardfcu.org/about) - Family member (spouse, children, grandchildren) of a member - Family Of Qualified City of Texarkana, TX “City of Texarkana, TX” > [source ↗](https://morrissheppardfcu.org/about) - Family member (immediate family) of an employee of City of Texarkana, TX - Family Of Qualified City of Texarkana, AR “City of Texarkana, AR” > [source ↗](https://morrissheppardfcu.org/about) - Family member (immediate family) of an employee of City of Texarkana, AR - Family Of Qualified City of Wake Village, TX “City of Wake Village, TX” > [source ↗](https://morrissheppardfcu.org/about) - Family member (immediate family) of an employee of City of Wake Village, TX - Family of someone eligible immediate family “Membership at Morris Sheppard Texarkana FCU is open to employees and immediate family members of the following qualifying employer groups:” > [source ↗](https://morrissheppardfcu.org/about) - Family member (immediate family) of an eligible person - Family of a member spouse, child, grandchild “And because membership runs in the family, your spouse, children, and grandchildren are eligible to join as well.” > [source ↗](https://morrissheppardfcu.org/about) - Family member (spouse, child, grandchild) 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 Morris Sheppard Texarkana Credit Union? Yes No ## Work at Morris Sheppard Texarkana 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 Morris Sheppard Texarkana Credit Union ranks against Texas peers. - See which AI assistants fetched Morris Sheppard Texarkana 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=morris-sheppard-texarkana&state=texas&code=TX&name=Morris%20Sheppard%20Texarkana%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Morris Sheppard Texarkana Credit Union offer? Morris Sheppard Texarkana Credit Union currently offers vehicle loan, 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 Morris Sheppard Texarkana Credit Union rates updated? RateAPI verifies Morris Sheppard Texarkana 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 Morris Sheppard Texarkana Credit Union's rate data? Rate data is collected directly from Morris Sheppard Texarkana Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Morris Sheppard Texarkana Credit Union? Morris Sheppard Texarkana Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 3 employers for Morris Sheppard Texarkana Credit Union, each quoted from Morris Sheppard Texarkana Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Morris Sheppard Texarkana Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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](http://morrissheppardfcu.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 Morris Sheppard Texarkana 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 Morris Sheppard Texarkana Credit Union curl "https://api.rateapi.dev/credit-unions/texas /morris-sheppard-texarkana " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Morris Sheppard Texarkana Credit Union locations Search, filter, and browse all 2 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/morris-sheppard-texarkana Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp