--- title: "Texell Credit Union Rates - Texas" description: "Current mortgage, auto loan, heloc, personal loan, and savings & cd rates from Texell Credit Union in Texas. Updated daily with source verification. See who can join Texell Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/texell" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Texell Credit Union Rates - Texas ### Mortgage rates 42 offers | Product | Published | Rate | Term / condition | Status | | **USDA 30-Year Fixed** 30 year fixed | — APR | 5.490% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | — APR | 5.990% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 6.000% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | — APR | 6.250% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.380% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 6.630% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | — APR | 6.880% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.880% | — | Standard | | **30-year Fixed Investment Property** 30 year fixed | — APR | 7.130% | — | Standard | | **Investment Property 30-year Fixed Purchase** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.630% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.740% | — | Standard | | **VA 15-Year Fixed** 15 year fixed | — APR | 6.000% | — | Standard | | **FHA 15-Year Fixed** 15 year fixed | — APR | 6.000% | — | Standard | | **FHA 15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **VA 15-Year Fixed** 15 year fixed | — APR | 6.630% | — | Standard | | **Investment Property 15-year Fixed Purchase** 15 year fixed | — APR | 6.990% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.490% | — | Standard | | **$8.71 Per $1,000 For 180 Months** 7 1 arm | — APR | 6.000% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.240% | — | Standard | | **$9.71 Per $1,000 For 180 Months** 7 1 arm | — APR | 7.990% | — | Standard | | **$5.95 Per $1,000 For 360 Months** other | — APR | 5.490% | — | Standard | | **$8.33 Per $1,000 For 180 Months** other | — APR | 5.630% | — | Standard | | **$6.36 Per $1,000 For 360 Months** other | — APR | 5.990% | — | Standard | | **$8.77 Per $1,000 For 180 Months** other | — APR | 6.000% | — | Standard | | **$6.06 Per $1,000 For 360 Months** other | — APR | 6.000% | — | Standard | | **$6.48 Per $1,000 For 360 Months** other | — APR | 6.380% | — | Standard | | **$20.13 Per $1,000 For 60 Months** other | — APR | 6.990% | — | Standard | | **$9.09 Per $1,000 For 180 Months** other | — APR | 6.990% | — | Standard | | **$6.90 Per $1,000 For 360 Months** other | — APR | 7.250% | — | Standard | | **$12.06 Per $1,000 For 120 Months** other | — APR | 7.490% | — | Standard | | **USDA 30-Year Fixed, Refinance** 30 year fixed | — APR | 6.250% | — | Standard | | **30-Year Fixed, Refinance** 30 year fixed | — APR | 6.630% | — | Standard | | **FHA 30-Year Fixed, Refinance** 30 year fixed | — APR | 6.750% | — | Standard | | **VA 30-Year Fixed, Refinance** 30 year fixed | — APR | 6.880% | — | Standard | | **Jumbo 30-Year Fixed, Refinance** 30 year fixed | — APR | 6.880% | — | Standard | | **Mortgages and Refinance Loans (30-year Fixed Investment Property)** 30 year fixed | — APR | 7.130% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | — APR | 5.880% | — | Standard | | **FHA 15-Year Fixed, Refinance** 15 year fixed | — APR | 6.500% | — | Standard | | **VA 15-Year Fixed, Refinance** 15 year fixed | — APR | 6.630% | — | Standard | | **Refinancing of existing loans FHA / VA / USDA loans Jumbo home loans Land loan** other | — APR | 5.880% | — | Standard | Texell Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **$29.63 Per $1,000 For 36 Months** auto_any_36mo | — APR | 4.240% | 36 mo | Standard | | **$18.64 Per $1,000 For 60 Months** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Today's Auto Loan Rates (36 months)** auto_any_36mo | — APR | 4.740% | 36 mo | Standard | | **$15.98 Per $1,000 For 72 Months** auto_any_72mo | — APR | 4.740% | 72 mo | Standard | | **Today's Auto Loan Rates (60 months)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Today's Auto Loan Rates (72 months)** auto_any_72mo | — APR | 5.240% | 72 mo | Standard | | **$14.48 Per $1,000 For 84 Months** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Today's Auto Loan Rates (84 months)** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **$19.80 Per $1,000 For 60 Months** auto_any_60mo | — APR | 6.990% | 60 mo | Standard | | **$30.87 Per $1,000 For 36 Months** auto_any_36mo | — APR | 6.990% | 36 mo | Standard | | **$17.29 Per $1,000 For 72 Months** auto_any_72mo | — APR | 7.490% | 72 mo | Standard | | **$12.13 Per $1,000 For 120 Months** auto_any_120mo | — APR | 7.990% | 120 mo | Standard | | **$10.14 Per $1,000 For 180 Months** auto_any_180mo | — APR | 8.990% | 180 mo | Standard | Texell Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 8 offers | Product | Published | Rate | Term / condition | Status | | **$18.98 Per $1,000 For 60 Months $19.63 Per $1,000 For 60 Months** heloc | — APR | 5.240% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.240% | — | Standard | | **$11.03 Per $1,000 For 120 Months $11.46 Per $1,000 For 120 Months** heloc | — APR | 5.490% | — | Standard | | **$8.44 Per $1,000 For 180 Months $8.93 Per $1,000 For 180 Months** heloc | — APR | 5.740% | — | Standard | | **$7.43 Per $1,000 For 240 Months** heloc | — APR | 6.240% | — | Standard | | **Today's Home Equity Rates (5-year Fixed)** heloc_fixed | — APR | 6.240% | — | Standard | | **Today's Home Equity Rates (10-year Fixed)** heloc_fixed | — APR | 6.490% | — | Standard | | **Today's Home Equity Rates (15-year Fixed)** heloc_fixed | — APR | 6.740% | — | Standard | Texell Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **$46.03 Per $1,000 For 24 Months** personal_unsecured_24mo | — APR | 9.740% | 24 mo | Standard | | **$87.80 Per $1,000 For 12 Months** personal_unsecured_12mo | — APR | 9.740% | 12 mo | Standard | | **$25.48 Per $1,000 For 48 Months** personal_unsecured_48mo | — APR | 10.240% | 48 mo | Standard | | **$19.42 Per $1,000 For 72 Months** personal_unsecured_72mo | — APR | 11.740% | 72 mo | Standard | Texell Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 38 offers | Product | Published | Rate | Term / condition | Status | | **Choice Plus Checking** checking | — APY | 0.10% | — | Context only | | **$500.01 Or Greater** savings | — APY | 0.10% | — | Context only | | **Dividends: ($500 to $9,999.99)** savings | — APY | 0.10% | — | Standard | | **$15** savings | — APY | 0.10% | — | Standard | | **Dividends: ($10,000 to $24,999.99)** savings | — APY | 0.15% | — | Standard | | **Dividends: ($25,000 to $49,999.99)** savings | — APY | 0.20% | — | Standard | | **$0 To $30,000** savings | — APY | 0.30% | — | Standard | | **Dividends: ($50,000 or greater)** savings | — APY | 0.30% | — | Standard | | **Savings** savings | — APY | 0.30% | — | Standard | | **$ .01 To $500** savings | — APY | 0.50% | — | Context only | | **Dollar Squad Savings 3** savings | — APY | 1.00% | — | Standard | | **IRA** ira | — APY | 1.10% | — | Standard | | **Money Market** money_market | — APY | 1.15% | — | Context only | | **$2,500 - $99,999.99** savings | — APY | 1.25% | — | Standard | | **Business Money Market Rates ($2,500 - $99,999.99)** money_market | — APY | 1.25% | — | Eligibility restricted | | **$100,000 - $499,999.99** savings | — APY | 2.50% | — | Standard | | **Business Money Market Rates ($100,000 - $499,999.99)** money_market | — APY | 2.50% | — | Eligibility restricted | | **Additional details: (48-month²)** cd_48mo | — APY | 3.15% | 48 mo | Standard | | **Term Certificate (48-month 5)** share_certificate_48mo | — APY | 3.15% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.20% | 60 mo | Standard | | **Additional details: (60-month²)** cd_60mo | — APY | 3.20% | 60 mo | Standard | | **$500,000+** savings | — APY | 3.25% | — | Standard | | **Business Money Market Rates ($500,000+)** money_market | — APY | 3.25% | — | Eligibility restricted | | **Term Certificate (36-month 5)** share_certificate_36mo | — APY | 3.30% | 36 mo | Standard | | **Additional details: (36-month²)** cd_36mo | — APY | 3.30% | 36 mo | Standard | | **Save First ($0 to $30,000 enhanced apy 4)** savings | — APY | 3.50% | — | Standard | | **Term Certificate (6-month 5)** share_certificate_6mo | — APY | 3.95% | 6 mo | Standard | | **Additional details: (6-month²)** cd_6mo | — APY | 3.95% | 6 mo | Standard | | **Term Certificate (24-month 5)** share_certificate_24mo | — APY | 4.05% | 24 mo | Standard | | **Additional details: (24-month²)** cd_24mo | — APY | 4.05% | 24 mo | Standard | | **Additional details: (18-month²)** cd_18mo | — APY | 4.10% | 18 mo | Standard | | **Term Certificate (18-month 5)** share_certificate_18mo | — APY | 4.10% | 18 mo | Standard | | **Additional details: (12-month²)** cd_12mo | — APY | 4.15% | 12 mo | Standard | | **Term Certificate (12-month 5)** share_certificate_12mo | — APY | 4.15% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.24% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.49% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 4.74% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.74% | 84 mo | Standard | Texell Credit Union savings & cd rates as of November 12, 2026 ### Other rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Save First ($0 to $30,000)** other | — % | 0.300% | — | Standard | | **$8.29 Per $1,000 For 180 Months** other | — % | 5.630% | — | Standard | | **$8.40 Per $1,000 For 180 Months** other | — % | 5.750% | — | Standard | | **$6.20 Per $1,000 For 360 Months** other | — % | 6.250% | — | Standard | | **$6.20 Per $1,000 For 180 Months** other | — % | 6.250% | — | Standard | | **$8.79 Per $1,000 For 180 Months** other | — % | 6.380% | — | Standard | | **$6.31 Per $1,000 For 360 Months** other | — % | 6.380% | — | Standard | | **$11.61 Per $1,000 For 120 Months** other | — % | 6.630% | — | Standard | | **$7.81 Per $1,000 For 240 Months** other | — % | 6.880% | — | Standard | | **$15.33 Per $1,000 For 84 Months** other | — % | 7.490% | — | Standard | | **$31.45 Per $1,000 For 36 Months** other | — % | 8.490% | — | Standard | | **$20.39 Per $1,000 For 60 Months** other | — % | 8.490% | — | Standard | | **$17.90 Per $1,000 For 72 Months** other | — % | 8.740% | — | Standard | | **$16.21 Per $1,000 For 84 Months** other | — % | 9.240% | — | Standard | | **$15.04 Per $1,000 For 96 Months** other | — % | 9.740% | — | Standard | | **$13.35 Per $1,000 For 120 Months** other | — % | 10.240% | — | Standard | Texell Credit Union other rates as of November 12, 2026 Texell Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/texell) , verified from [Texell Credit Union's official website](https://www.texell.org/) Loading branch locator… ## About Texell Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 54.3K Assets $790.7M Founded 1948 Locations reported 8 NCUA charter 68608 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products 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. [**Temple Santa Fe Community** Temple Santa Fe Community Credit Union · Temple · TX · 76504 About 3.1 miles away](https://rateapi.dev/credit-unions/texas/temple-santa-fe-community) [**Scott and White Employees** Scott & White Empolyees Credit Union · Temple · TX · 76508-0001 About 3.2 miles away](https://rateapi.dev/credit-unions/texas/scott-and-white-employees) [**Belton** Belton Federal Credit Union · Belton · TX · 76513 About 4.6 miles away](https://rateapi.dev/credit-unions/texas/belton) [**A+** Harker Heights · Harker Heights · TX · 76548-1745 About 14.9 miles away](https://rateapi.dev/credit-unions/texas/a) [**Navy Federal Credit Union** Harker Heights TX · Harker Heights · TX · 76548 About 15.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Greater Central Texas** Greater Central Texas · Killeen · TX · 76542 About 18.2 miles away](https://rateapi.dev/credit-unions/texas/greater-central-texas) 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 Texell Credit Union Membership eligibility from Texell Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Texell Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bell, bosque, burnet, coryell, falls, hill, lampasas, limestone, mclennan, milam, travis, williamson — TX - Association Texell Serves Foundation Verified from [Texell Credit Union's membership page](https://www.texell.org/learn/membership) . Final membership determination is always made by the credit union. ## Membership rules for Texell Credit Union Geography 12 counties · Associations · Family 51 published paths to membership, last verified September 13, 2026, quoted from Texell Credit Union’s own published criteria. ### Geography 13 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Bell County, TX - Bosque County, TX - Burnet County, TX - Coryell County, TX - Falls County, TX - Hill County, TX - Lampasas County, TX - Limestone County, TX - Mclennan County, TX - Milam County, TX - Travis County, TX - TX - Williamson County, TX “Statewide eligibility - Any Texas resident or business can join through the Texell Serves Foundation.” > [source ↗](https://www.texell.org/learn/membership) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Member of Texell Serves Foundation “All Texas residents and businesses who are existing members of — or would like to join — the Texell Serves Foundation, at Texell’s expense.” > [source ↗](https://www.texell.org/learn/membership) - Member of Texell Serves Foundation ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member immediate family “Family eligibility - If an immediate family member is already a Texell member, you're eligible too.” > [source ↗](https://www.texell.org/learn/membership) - 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 Texell Credit Union? Yes No ## Work at Texell 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 Texell Credit Union ranks against Texas peers. - See which AI assistants fetched Texell 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=texell&state=texas&code=TX&name=Texell%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Texell Credit Union offer? Texell 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 Texell Credit Union rates updated? RateAPI verifies Texell 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 Texell Credit Union's rate data? Rate data is collected directly from Texell 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 Texell Credit Union? Texell Credit Union publishes its membership criteria on its own website. RateAPI tracks 51 published membership paths covering 12 counties and 1 association for Texell Credit Union, each quoted from Texell Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Texell 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.texell.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 Texell 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 Texell Credit Union curl "https://api.rateapi.dev/credit-unions/texas /texell " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Texell Credit Union locations Search, filter, and browse all 8 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/texell Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp