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Rates & Fees

We strive to provide products and services that are of the highest quality, while keeping our loan rates and fees as low as possible and our savings rates competitive with the market.


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Effective June 1, 2024

Auto Loans

Loan TypeTermAnnual Percentage Rate 1
New Cars
Purchases & Refinances
36 - 84 MonthsAs low as 5.99% to 15.80%
Used Cars36 - 84 MonthsAs low as 5.99% to 15.80%
New & Used Cars
36 - 84 MonthsAs low as 5.99% (New)
As low as 5.99% (Used)

Motorcycle, 4-Wheeler, and ATV Loans

Loan TypeTermAnnual Percentage Rate 1
New36 - 72 MonthsAs low as 7.00% to 16.25%
Used36 - 72 MonthsAs low as 7.25% to 16.60%

Boat and RV Loans

Loan TypeTermAnnual Percentage Rate 1
New Boats & RVs60 - 180 MonthsAs low as 7.24% to 17.25%
Used Boats & RVs60 - 180 MonthsAs low as 7.75% to 17.75%
RV & Boat Refi Special
Take 2% off existing rate when refinancing from another lender. Floor limit 6.75% APR.

Equipment Loans

Loan TypeTermAnnual Percentage Rate 1
Equipment Loans36 - 120 MonthsAs low as 9.50% to 17.50%

Mortgage Loans

Loan TypeTermAnnual Percentage Rate 1
First Mortgages
Contact a Mortgage Loan Originator today for current rates and terms. 817-884-1470 x517
Unimproved Land LoansContact a Mortgage Loan Originator today for current rates and terms. 817-884-1470 x517
Interim Construction LoansContact a Mortgage Loan Originator today for current rates and terms. 817-884-1470 x517
Manufactured Home Loans3Up to 10 years

Up to 15 years

Home Equity Loans2
61 Months - 360 Months
As low as 5.875 | 6.582% APR
Contact a Mortgage Loan Originator today for current rates and additional terms. 817-884-1470 x 126 or 425

Credit Cards

Loan TypeTermAnnual Percentage Rate 1
Platinum Mastercard®Revolving6.99% for first 6 mos, 9.99% - 17.99% after first 6 mos
Platinum Rewards Mastercard®Revolving12.99% - 15.99%
Starter Mastercard® (ages 18-24)Revolving6.99% for first 6 mos, 13.99% after first 6 mos

Personal Loans

Loan TypeTermAnnual Percentage Rate 1
Personal Loan
24 - 60 MonthsAs low as 8.49% to 17.50%
Rapid Loan
Up to 12 Months
Summer SpecialUp to 36 MonthsAs low as 8.99% to 14.99%
Citizenship LoanUp to 24 MonthsAs low as 7.49% to 13.99%
Line of CreditRevolving12.90%
Overdraft ProtectionRevolving17.00%
Payday PlusUp to 6 Months18.00%
Education Loans36 - 120 MonthsAs low as 7.24%
Share Secured LoansUp to 180 months3.00% above rate of collateral account

APY = Annual Percentage Yield

1. APR = Annual Percentage Rate. Rates are subject to change. Example: $20,000 new auto loan, 48 month term at 7.5% APR = $483.69 monthly payment for 48 months. Listed rates are for purchases only.
Rates may vary depending upon your credit and are subject to change at any time without notice. Annual Percentage Rate (APR) is 5.889% /5.00% Rate and is based on a loan amount of $50,000 with TCCU in the 1st lien position, with a qualifying credit score of 720 plus fees associated to include a $300 origination fee and applicable discount. Payments on a home equity loan of $50,000 financed at 5.857 Rate | 6.112% APR for 15 years would be $418.56 per month or $8.37 per $1,000 borrowed. Minimum loan amount is $50,000.00; 5 to 20 Year Terms; 30 Year Term, Minimum loan amount $100K, and TCCU must be in the 1st Lien Position.  30 Year loan term not offered on 2nd lien TX HE loans.  20 Year max loan term on 2nd lien loans.  The maximum loan amount, including all outstanding liens on the property, is 80% of the value of the property. Discount of .50% for First Lien position and $50,000 new money added.
3. Payments on a manufactured home loan of $35,000 financed at 10.00% APR for 180 months would be $376.23 per month or $10.75 per $1,000 borrowed. Minimum of 20% equity in the home. Maximum repayment term of 10 years on loans less than $25,000. Maximum repayment term of 15 years on loans greater than $25,000.

Effective June 1, 2024

Savings Rates

Account TypeDividend RateAPY
Primary Savings0.05%0.05%
Secondary Savings0.05%0.05%
Moolah Savings (ages 0-5)0.15%0.15%
Lasso Savings (ages 6-12)0.15%0.15%
Xtreme Savings (ages 13-17)0.15%0.15%
Change is Good Savings
$0 - $200.992.96%3.00%
$201 - $400.991.98%2.00%
$401 +1.00%1.00%
Vacation Club Savings0.50%0.50%
Holiday Club Savings0.50%0.50%


Checking Rates

Account TypeDividend RateAPY
Classic Checking0.05%0.05%

Money Market Accounts

Account TypeDividendAPY
Tier 1: $1,000 to $2,499.990.50%
Tier 2: $2,500 to $9,999.990.75%0.75%
Tier 3: $10,000 to $24,999.990.85%0.85%
Tier 4: $25,000 to $49,999.991.00%1.00%
Tier 5: $50,000 to $99,999.991.09%1.10%
Tier 6: $100,000 +1.24%1.25%


Certificate of Deposit (CD) Rates

Account TypeDividendAPY
Save to Win CD
$25 Min4.31%4.40%
3 Month4.27%4.35%
6 Month4.41%4.50%
12 Month4.55%4.65%
18 Month4.55%4.65%
24 Month4.12%4.20%
36 Month3.93%4.00%
48 Month3.69%3.75%
60 Month3.59%3.65%
Bump-Up CD's
$1,000 - $49,999.99
One rate Bump-Up allowed during term of CD
Bump-Up Regular 12 Month4.46%4.55%
18 Month4.46%4.55%
24 Month4.02%4.10%
36 Month3.83%3.90%
48 Month3.50%3.65%
60 Month3.49%3.55%
Mini Jumbo CD
$50,000 - $94,999.99
12 Month4.60%4.70%
18 Month4.60%4.70%
24 Month4.17%4.25%
36 Month3.98%4.05%
48 Month3.74%3.80%
60 Month3.64%3.70%
Jumbo CD
$95,000 - $249,999.99
12 Month4.65%4.75%
18 Month4.65%4.75%
24 Month4.22%4.30%
36 Month4.02%4.10%
48 Month3.78%3.85%
60 Month3.69%3.75%
Standard Youth CD
Min. $500 to Open; Max $999.99
6 Month4.27%4.35%
12 Month4.31%4.40%
Fa$t Track Youth CD
Min $100 to Open; Max $5,000
12 Month4.31%4.40%


Questions about our products and services? Give us a call at 817.884.1470.

APY = Annual Percentage Yield

* Dividends are compounded and paid quarterly on Primary Savings, Youth Savings and Secondary Savings.. Dividends are compounded and paid monthly on Premier Savings, Money Market Tiered, Change is Good Account, Holiday and Vacation Club, a Money Market Account.(1) New money is defined as deposits and investments not previously held by any member of TCCU in the past 60 days. Dividends are compounded and paid monthly on Certificate and IRA Certificates. Dividends are compounded and paid monthly on Checking accounts (excludes Free Checking and Fresh Start Checking).This Rate Schedule for all accounts sets forth certain conditions, rates, fees and charges applicable to your accounts at Tarrant County’s Credit Union and is incorporated as part of your Account Agreement with us.

Savings Account Fees

Single Account Service Fee – Primary Savings
(excludes Youth Accounts & Accounts Open < 1 year)
Monthly Service Charge – Money Market Tiered/Savings
(average daily balance below $100)
Share Balance (below minimum) per occurrence $29.00

ATM & Debit Card Fees

Balance inquiries from non-TCCU ATMs $0.50
Withdrawals from non-TCCU ATMs $3.00
Debit Mastercard replacement $5.00
International usage; additional fees may apply 1% of the transaction

Checking Account Fees

Copy of a cleared check (after 1st two) $1.50
Faxed copy of cleared check $4.00 per page
Monthly service charge – Classic Checking – if daily balance falls below $500 $5.00
Monthly service charge – Special Checking – if daily balance falls below $500 $5.00
Monthly service charge – Prestige Checking – if daily balance falls below $2,500 $10.00
Monthly service charge – Standard PLUS Checking
  • $6 – $10; the fee may be reduced to, as low as $6, by receiving discounts for each of the following:
  • $2 discount for Direct Deposit into your Standard PLUS Checking
  • $1 discount for active debit card on the account
  • $1 discount for eBanking enrollment
Insufficient Funds & Courtesy Pay for debits and withdrawals via check, either cashed at a teller window or for 3rd party payment, ACH, ATM, Debit Mastercard – PIN or Point of Sale, service or check charges & pre-authorized internal transactions. $29.00

Money Market Access Fees

Copy of cleared check (after 1st two) $1.50
Monthly service charge (if daily balance falls below $1,000 minimum) $10.00

Miscellaneous Fees

Check Cashing Fee – Non-Members Only $5 for checks totaling $25 or more
Single Account Service Fee (Share Account Only With <$100 Average Daily Balance) Does Not Apply to Youth Accounts or Share Accounts that have been open < 1 year. $5.00 per month
Share Account Closure (if account is closed within 90 days of opening) $25.00
Non-sufficient Share Balance (below minimum) per occurrence $29.00
Loan Extension Fee $35.00
Delay-a-Pay Fee (per loan) $25.00
Balance inquiries and transfers by phone (Staff Assisted) $2.00
Returned deposit item $10.00
Teller checks payable to third party (Free for Standard PLUS Checking) $2.00
Money orders for TCCU Members and Shared Branch Guest Members (Free for Standard PLUS Checking) $2.00
Money orders for Non-Members $3.00
Early withdrawal from Holiday or Vacation Club (per withdrawal – excludes automatic rollover) $10.00
Account Research/Reconciliation (1 hour minimum) $20.00 per hour
Paper account statements mailed or reprinted $3.00 each
Electronic account statements (eStatements) Free
Account statement reprints (5 page max/$1 each additional page $4.00
Stop payment order $29.00
Wire – Domestic $15.00
Wire – International $30.00
Wire – Western Union $14.00
Temporary Checks (per 8, First 8 free with new account) (Free for Standard PLUS Checking) $5.00
Collection item fees (per item) additional fee may apply from other FI $10.00
Notary – Non-members $5.00
Coin Counting Machine – Plaza Branch Free for Members;
10% for Non-Members

ePay Fees

ePay Bill Pay Service which includes unlimited use of Zelle $5.95/per month
Same-Day Bill Payment Using ePay $9.95


e-Banking is an Internet service which is available free of charge.
*Notice: if you use an ATM machine that is not operated by TCCU, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

Questions about our products and services? Give us a call at 817-884-1470.

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