Limited-Time Offers Available to You
You Can Get Approved for a Loan in 24 Hours
Get the extra funds you need while protecting your savings. Whether you are planning the next getaway or just trying to consolidate your debt, we are here to help. Take advantage of our flexible terms and competitive rates created to fit every need. Receiving your personal loan from us means you could see rates as low as 6.99% APR!¹
Complete your application in less than five minutes, and we will get back to you in as little as 24 hours.²
There's $250 Waiting for You
Earn $250 when you sign up for the Texas Trust Platinum Credit Card.¹ Just spend $1,000 in the first 90 days, and the money is yours! Experience a card with a super-low interest rate and no annual fees. Plus, with Platinum, enjoy NO interest for the first six months!²
Earn more so you can save more with Platinum.
Take Advantage of Overdraft Forgiveness with Bonus Checking
Texas Trust wants to help you make overdraft fees a thing of the past with our new Bonus Checking account. With four¹ overdraft forgiveness opportunities per year, you get the support you need to stay on top of your finances. This year alone, Texas Trust members have already saved over $30,000 in overdraft fees!¹ Bonus Checking offers a surplus of helpful benefits, like:
• Telehealth Services
Get access to licensed doctors and counselors with no copay.
• Credit Report and Tracking
Stay on top of your credit and finances.
• Overdraft Forgiveness
Receive four overdraft privilege refunds per year, with savings of up to $120 every year.
• Cell Phone Protection
Cover up to four phones and receive $800 in replacement coverage.
• Identity Protection
IDProtect® acts as the first-line of defense for your identity and credit.
All of this at NO additional cost to you.
Rest easy knowing you have an account that is looking out for your finances and your well-being. Here’s some good news. Right now, you can sign up for Bonus Checking and get two full months FREE.²
Subscribe to Bonus Checking today.
Make Your Home’s Value Work for You
Whether you are looking to renovate the house, consolidate your debt, or pay for a huge expense, we are here to help with a home equity loan. Get quick access to funds at a rate and term that benefits you. Members who receive their loan through us can borrow up to 80% of their home’s value.¹ Use your home’s equity to achieve your financial goals!
Our team of experts is here to guide you through a smooth, stress-free application process.
Apply now and make your financial goals happen with our home equity loan.
Switch Your Auto Loan and Save up to $1,200 a Year¹
Don’t let high-interest auto payments hold you back anymore. Refinance your auto loan with Texas Trust, and you could experience lower interest and reduced payments. The benefit of a refinanced loan comes with potentially saving up to $100 a month.¹ When you refinance, you also receive a 90-day deferment on your payments.² PLUS, you can earn $100 when you refinance your loan with Texas Trust today!³
Sign up using our easy, free application process and enjoy a more affordable loan.
Personal Loan: ¹APR = Annual Percentage Rate. ²Funds are generally distributed by the next business day, but processing times may vary. You will typically get a reply to your loan application on the same business day it is submitted, and your account will be credited within 24 hours upon approval. The APR ranges from 6.99% - 17.99%. Your actual loan amount, rate, and payment terms are based on creditworthiness. Rates subject to change without notice. New loans only. Monthly protected payment estimate at an APR of 8.99% for a 24-month term on a $5,000 loan is $228.42. Subject to credit approval and Texas Trust lending policies. Membership required.
Platinum Credit Card $250: ¹This offer is available for new Texas Trust Platinum Credit Cards only. Members with existing Texas Trust Credit Cards do not qualify for this offer. To receive this offer, you must be or become a member of Texas Trust Credit Union. To receive $250: $1,000 in eligible transactions must be posted to your account within 90 days of opening your new Texas Trust Platinum Mastercard®. Cash advances, balance transfers, and ATM transactions do NOT qualify as eligible purchases. Once the offer requirements have been fulfilled, $250 will be deposited into your share savings account within 30 days. Business accounts, international accounts, non-profit accounts, and minors are not yet eligible for this offer. Offer valid in the U.S. only. Rates are based on creditworthiness. ²New Platinum credit cards receive 0.00% introductory APR on purchases during the first six months from account opening. After the first six months, the standard APR is 8.90% to 17.90% based on creditworthiness. Account rates and terms are subject to change without notice. Offer expires December 31, 2023. Federally insured by the NCUA.
Bonus Checking: ¹The statistic on how much money people have saved with this checking account is based on the latest available data and is for informational purposes only. The actual savings that individuals may experience can vary based on a variety of factors including account fees, interest rates, and individual financial habits. This statistic should not be considered as financial advice, and individuals are encouraged to carefully review the terms and conditions of any checking account they may be considering. As low as $0 per month with fee discounts, otherwise $10 per month. Eligible fee discounts include: Active Debit Card Use: $2 (Active Debit Card is 10 non-ATM Point-of-Sale transactions per month totaling at least $100); Online Communication and Banking: $2 (Must be actively enrolled); Senior Age 55+: $2 (Discount applied beginning on month of primary member’s 55th birthday); Public Servant: $2 (Public Servant is any full-time employee of a local public or private school district, or municipality including city, county, state, or federal. Must present a recent paycheck stub to qualify or a letter of intent for new employees. Must also fulfill other membership requirements.); Active Bill Pay Use: $1 (Active Bill Pay Usage is paying three or more bills through Texas Trust’s Online Bill Pay in the previous month); Membership 5+ Years: $1 (The Membership 5+ Years discount is applicable if today’s date is greater than five years from the day the member initially opened their Texas Trust share account); Direct Deposit: $1 (A direct deposit or mobile deposit [or any combination of the two] totaling $500 or more per month is required to earn the Direct Deposit discount). Telehealth Service: Provided by board-certified physicians and licensed mental and behavioral health professionals through an online health portal. Receive discounts on prescriptions and lab testing. (Available to Primary Account Owner and up to seven family members ages 2 and up.) Credit Monitoring: Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, it will then refresh on a monthly basis. Credit Score Tracker: Once credit monitoring has been activated, and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available. Overdraft Forgiveness: Overdraft fees will not be automatically refunded; member must request the refund by phone or email or in person at a branch. Refund requests must be received during the calendar year fees are assessed or within 30 calendar days, whichever is longer. Overdraft fees include Overdraft Privilege Fee and/or NSF (non-sufficient funds, returned item) Fee. Refunds will only be processed for fees assessed to the Bonus Checking account. Federally insured by NCUA. Membership required. Cell Phone Protection: Covers up to four phones listed on the cellular telephone bill. Covers damage or theft. Up to two claims and maximum of $1,000 per 12-month period. Up to $800 per claim. $50 deductible per claim. Cellular telephone bill can be paid through any Texas Trust Credit Union checking, savings, or credit card account. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Identity Protection: Benefits are available to personal checking account owners, their joint account owners, and their eligible family members, subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a signer on the account who is not an account owner, or to businesses, clubs, trusts, organizations and or churches and their members, or schools and their employees/students. Family includes spouse, persons qualifying as domestic partner, children under 25 years of age, and parents of the account holder who are residents of the same household. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. ²Free trial is only available for new Texas Trust Bonus Checking accounts. Existing Bonus Checking accounts are not eligible. "2 Months Free" offer refers to a free 60-day trial. Trial expires 60 days after the date of account opening. A monthly fee of $10 (minus eligible discounts) will be applied after the trial period ends. Fees will be assessed on the last business day of every month. For full information on benefits and fee discounts, refer to www.TexasTrustCU.org/Bonus-Checking. Account features, benefits, and specifications are subject to change without notice. Accounts closed within 12 months will be assessed an early closing fee. Accounts opened without a Social Security number will not be paid dividends and will not be eligible for loans, remote/mobile deposit capture, or Overdraft Privilege. Free trial limited to one Bonus Checking account per SSN. Refer to Truth in Savings disclosure for full details on dividend rates and the restrictions applied to international membership. Membership required; new members welcome! New members must open a share account with a $5 minimum balance. Federally insured by NCUA.
Home Equity Loan: ¹The following information pertains to a home equity loan with 80% borrowing based on the latest available data and is intended for informational purposes only. The actual terms and conditions of the loan may vary depending on a variety of factors, including credit score, income, and the appraised value of the property. The borrower is required to have at least 20% equity in their home to qualify for this loan. This loan carries risks, and failure to meet the repayment obligations can lead to foreclosure and loss of the property. Borrowers are encouraged to carefully review the terms and conditions of the loan, including the interest rate, fees, and repayment terms before committing to the loan. It is important to note that the interest on the loan may be tax-deductible, but borrowers should consult with a tax advisor to understand the specific tax implications. This loan is subject to credit approval, and not all applicants may qualify. The lender reserves the right to change the terms and conditions of the loan at any time without prior notice. The information provided herein is believed to be accurate and reliable but is not guaranteed as to its accuracy or completeness. Borrowers should consult with a qualified financial advisor before making any financial decisions.
Pre-Approval Auto Loan: ¹Monthly payment savings is based on the anticipated payment reduction of a member refinancing the average auto loan amount of $30,000 from another lender to a 66-month term loan with a 6.99% Annual Percentage Rate. Actual savings may vary. Rates, terms, and conditions are based on creditworthiness, amount financed, value of collateral, and other factors. ²Defer your first payment for up to 90 days, with additional credit approval that may differ from the loan approval. Interest begins to accrue at loan origination. Flexible term options available up to 72 months. Loan amount and maximum term based on collateral to be refinanced. Loan offer is contingent on collateral and ability to repay, subject to credit approval, and normal underwriting conditions will apply. Offer and rate are subject to change without notice. Vehicle title fees may be rolled into the loan. Minimum loan balance is $5,000. Maximum loan balance is $100,000. ³To receive $100: Get approved and funded for an auto refinance during the promotional period. $100 will be deposited into your share savings account within 30 business days of approval and funding. Offer expires April 30, 2023. Offer cannot be combined with other offers. Offer is only available to the addressee on this letter. Auto loans currently financed at Texas Trust are not eligible to receive this offer. New loans only. Loans are subject to approval and Texas Trust lending policies. Interest rate floor is 6.99% Annual Percentage Rate (APR). Maximum interest rate is 17.99% APR. Offer and rates subject to change without notice. Offer is limited to cars, SUVs, or trucks. Payment Example: Assuming a $35,000 loan amount, a 66-month term, and a 7.54% APR, you would make monthly payments of $649.41. Membership required. Federally insured by NCUA.
