We consistenly have lower-than-market-average lending rates and higher-than-average deposit rates. If you are shopping for a loan or have money to deposit, then Texoma Community Credit Union is the place for great deals! Check out our rates below, and give us a call at 940-851-4000 to get started!

Download/Print Rates (PDF)

Loan Rates (as Low As)*  
Automobile 4.490%
Signature 6.900%
Vacation 6.900%
Recreational 4.490%


Checking Account Dividends  Rate A.P.Y. Min. Balance
Kasasa Cash Checking**      
Up to $10,000 3.450% 3.510%  
Over $10,000 0.240% 0.250%  
Non-Qualifying Accounts 0.049% 0.050%  
Kasasa Giving Checking**      
Up to $2500 1.000% 1.000%  
Over $2500 0.250% 0.250%  
Non-Qualifying Accounts 0.049% 0.050%  
Kasasa Cash Back Checking**      
Up to $400 in purchases 3.000% 3.000%  
Non-Qualifying Accounts 0.000% 0.000%  


Savings Rate A.P.Y. Min. Balance
Regular Savings 0.100% 0.100% $100.00
Christmas Club 0.100% 0.100% $100.00
IRA Savings 0.750% 0.752% $100.00
Money Market Accounts      
MMA Savings 0.100% 0.100% $100.00
MMA Gold 0.100% 0.100% $10,000.00


Certificates of Deposit Rate A.P.Y. Min. Balance
3 Month 0.350% 0.351% $1,000.00
6 Month 0.747% 0.750% $1,000.00
1 Year 1.736% 1.750% $1,000.00
2 Year 1.982% 2.000% $1,000.00
3 Year 2.227% 2.250% $1,000.00
4 Year 2.325% 2.350% $1,000.00
5 Year 2.716% 2.750% $1,000.00


APY:Annual Percentage Yield. Fee could reduce earnings. Penalties may be imposed for early withdrawal.

*Actual Rate may vary based upon an individual's credit rating. 

**If meeting the qualification requirements of account. Click to see here.


Early withdrawal penalties on Certificates of Deposit have changed, effective January 1, 2017. Current policies appear in your account handbook, chapter 6.95, Certificates of Deposit, section d.


Changes are underlined and bolded:

(d) EARLY WITHDRAWAL PENALTIES – A penalty may be imposed for withdrawals before maturity. We may require the maturity of the entire certificate. If your account:

 There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. If this account is part of an IRA or other tax qualified plan no penalty is assessed for one Minimum Mandated Withdrawal annually. One withdrawal per year or during the life of the certificate may be made to pay for major medical expenses for an owner of the account. Verification of major medical expenses or check payable to the provider of medical services may be required.

For any account which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.