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Rates

United Texas Credit Union offers great rates.

United Texas Credit Union offers great rates and flexible terms on our loans. UTXCU bases most consumer loan rates on the term of your loan and your credit history.

If you are thinking about a credit card or loan, either to purchase a car, buy a home or for some other purpose, but don’t think you qualify, contact UTXCU first. We will help build a loan that is right for you at a fair rate of interest. If we cannot make you a loan, we will tell you why and discuss options with you to help get your credit in good shape. Don’t fall victim to lenders who take advantage of borrowers with minor credit problems.

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For more information on UTXCU’s other rates, see below:

Savings, Pay It Forward Savings, Christmas Club, and Money Market

Declaration Date: October 1, 2021. Interest rates on these accounts are variable rate.

TYPE OF ACCOUNT MINIMUM BALANCE TO EARN APY RATE APY
Savings Account $5.00 0.15% 0.15%
Pay It Forward Savings $0.01 0.50% 0.501%
Christmas Club
$5.00 0.20% 0.20%
Money Market
Up to $2,499.99
$2,500 and over
0.20%
0.30%
0.20%
0.30%

**RATES SUBJECT TO CHANGE WITHOUT NOTICE**  (Fees could reduce the earnings on the account)

Checking Accounts

Dividend Declaration Date: October 1, 2021. Checking Accounts are variable rate accounts.

First Class Pay It Forward Limited CU Succeed Fresh Start
INTEREST N/A N/A N/A N/A N/A
INTEREST COMPOUND N/A N/A N/A N/A N/A
INTEREST CREDITED N/A N/A N/A N/A N/A
INTEREST PERIOD N/A N/A N/A N/A N/A
CASH BACK REWARDS N/A N/A N/A N/A N/A
MINIMUM TO OPEN $25.00 $25.00 $25.00 $25.00 $25.00
MINIMUM BALANCE TO AVOID SERVICE FEE N/A Direct Deposit Required ($400/mo) N/A N/A N/A
MONTHLY SERVICE FEE $6.00/$5.00 $6.00 N/A N/A $10.00
MINIMUM BALANCE TO EARN DIVIDEND N/A N/A N/A N/A N/A
BALANCE METHOD N/A N/A N/A N/A N/A
E-STATEMENTS FREE FREE REQUIRED FREE FREE
PAPER STATEMENTS* $5.00/mo $5.00/mo $5.00/mo FREE $5.00/mo

TRUTH IN SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this schedule are checking accounts.

See our Fee Schedule for all fees that apply to accounts

  • Rate Information. The Annual Percentage Yield, (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For all accounts, the Interest Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. The Interest Rate and Annual Percentage Yield are the prospective rates and yields that the Credit Union anticipates paying for the applicable interest period. The interest rate is calculated on the average daily balance method.
  • Nature of Interest. Interest is paid from current income and available earnings after required transfers to reserves at the end of the interest period.
  • Interest Compounding and Crediting. The compounding and crediting of interest and interest period applicable to each account is set forth in the Rate Schedule. The Interest Period is the period of time at the end of which an account earns interest credit. The Interest Period begins on the first calendar day of the period and ends on the last calendar day of the period.
  • Accrual of Interest. For all accounts, interest will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued interest is credited, accrued interest will not be paid.

*Paper statement fee does not apply to those age 0 to 17 or those 70 years or older.  E-statements are a requirement of the Limited Checking.

Share Certificates & IRA Certificate Accounts

Declaration Date: October 1 – 31, 2021

TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD
6 months 0.30% 0.30%
12 months 0.50% 0.50%
24 months 0.65% 0.65%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.85% 0.85%

The minimum balance to earn the advertised APY is $500. The rates appearing in this Rate Schedule are accurate and effective for deposit accounts as of the date indicated at the top. If you have any questions or require current rate information on your accounts, please call the Credit Union.

TRUTH IN SAVINGS ACCOUNT DISCLOSURES

Share Certificate Accounts may be established in any amount of $500 or more. Interest is compounded and credited monthly, unless otherwise stated. The interest period for each share certificate is based on the maturity as stated on the share certificate. No withdrawals or deposits are allowed once the certificate of deposit account has been established. Share Certificate Accounts are automatically renewed, unless otherwise noted, or the Credit Union receives notice from you to not renew the certificate.

  • Rate Information. The Interest Rate and the Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total compounding for an annual period. For Share Certificate Accounts, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • Compounding and Crediting. Interest will be compounded and credited as set forth above. The Interest Period for each account is set forth above. The Interest Period begins on the first calendar day of the Interest Period and ends on the last day of the Interest Period.
  • Balance Information. The minimum balance required to open each account is set forth above. Interest is calculated by the Daily Balance method, which applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued interest is credited, accrued interest will not be paid.
  • Maturity. Your account will mature within the term or at the maturity date set forth on your Account Receipt or Renewal Notice.
  • Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if this is a renewal account.
  • Amount of Penalty. A SUBSTANTIAL PENALTY IS IMPOSED FOR EARLY WITHDRAWAL. For Certificate accounts with maturities of one year or less, the penalty is 90 days worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For Certificate accounts with maturities exceeding one year, the penalty is 180 days worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate.
  • Exceptions to Early Withdrawal Penalty. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following Circumstances: When an account owner dies or is determined legally incompetent by a court order or other body of competent jurisdiction.
  • Renewal Policy. Your account is an automatically renewable account, if indicated on the Account Receipt or Renewal Notice. You will have a 10-day grace period to change the terms or cancel the certificate.
  • Non-transferable/Non-negotiable. Your account is non-transferable and non-negotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

*RATES SUBJECT TO CHANGE WITHOUT NOTICE* Fees could reduce the earnings on the account.

Individual Retirement Accounts

Declaration Date:  October 1, 2021. Interest rates on Individual Retirement Share Accounts (IRA) are variable rate accounts.

Traditional/Roth IRA & Coverdell Education Savings Rate APY
$100 and over 0.30% 0.30%

TRUTH -IN- SAVINGS ACCOUNT DISCLOSURES

Minimum balance to open an IRA Share account is $100.00. IRA’s are tax-deferred shares with the interest calculated, compounded and paid monthly, based on the average daily balance. Interest is credited on the last day of the month. A SUBSTANTIAL TAX PENALTY IS IMPOSED FOR EARLY WITHDRAWAL.

  • Rate Information: The Interest Rate and Annual Percentage Yield on your account is set forth above. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield may change monthly as determined by the Credit Union Board of Directors.
  • Nature of Interest: Interest is paid from current income available earnings after required transfers at the end of the interest period. The Interest Rate and APY are the rates and yields as of the last interest declaration date.
  • Compounding and Crediting: Interest will be compounded and credited as described above. The interest period for each account is described above. The interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
  • Accrual of Interest: Interest will begin to accrue on cash deposits on the business day you make the deposit to your account. Interest will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before the accrued interest is credited, accrued interest will not be paid.
  • Balance Information: The minimum balance required to open each account is set forth above. For accounts using the Average Daily Balance method, dividends are calculated by adding the balance in the account for each day and dividing by the number of days in the period.
  • Account Limitations: A SUBSTANTIAL TAX PENALTY IS IMPOSED FOR EARLY WITHDRAWAL.

***The rates appearing in this Rate Schedule are accurate and effective for deposit accounts as of the date indicated at the top. If you have any questions or require current rate information on your accounts, please call the Credit Union.

**RATES SUBJECT TO CHANGE WITHOUT NOTICE**    (Fees could reduce the earnings on the account)

Need Assistance?

Call (817) 834-9777

Credit Cards
As low as
9.00%

Auto Loans
As low as
1.99%

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Home Equity
As low as
2.94%

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