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Deposit Account Rates

We're focused on making money work harder for our credit union members in North Texas and all over. That's why we structure our rates to benefit your bottom line.

Check our updated rates on savings accounts, Certificates and more

There's no such thing as idle money around here. Our deposit accounts will help you grow your savings (or even your daily checking account balance) every day to get you closer to your goals.

View Certificates of Deposit

Term APY*
6 months 3.85%
12 months 4.00%
24 months 3.75%
36 months 3.50%
48 months 3.50%
60 months 3.50%
*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 07/15/2026.

View Checking Accounts

APY*
0.20%
A minimum deposit $5 into a share account is required to open our DATCU Free Checking Account.  Interest is paid on all active checking accounts defined as 10+ card transactions per month plus e-statements. Interest is compounded and credited monthly. APY is earned when dividend is posted to your Checking Account.  APY = Annual Percentage Yield.  Rates may change at any time without prior notice.  Fees or other conditions could reduce the earnings to the account.  APY is accurate as of 12/16/2022.

View Individual Retirement Accounts

Term Interest Rate APY*
6 months 3.44% 3.85%
12 months 3.78% 4.00%
24 months 3.44% 3.75%
36 months 3.44% 3.50%
48 months 3.44% 3.50%
60 months 3.44% 3.50%
*A minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. APY is earned when interest is posted to your CD. APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 07/15/2026.

View Individual Retirement Accounts

APY***
0.35%
*A minimum deposit of $1,000 required to open, with an aggregated minimum average daily balance of $1,000 between all IRA Savings and IRA CD shares.  A minimum average daily balance of $100 must be maintained to earn a dividend. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is earned when dividend is posted to your Savings Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 12/19/2025.

View Money Market Accounts

Term APY*
$2,500 — $9,999 1.00%
$10,000 — $24,999 1.00%
$25,000 — $49,999 1.05%
$50,000 — $99,999 1.30%
$100,000 — Above 2.00%
*A minimum deposit of $2,500 is required to open. You must maintain a minimum average daily balance of $2,500.00 to obtain the disclosed APY. Dividends on Money Market Accounts will be compounded monthly and credited monthly. APY is earned when dividend is posted to your Money Market Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 07/2/2026.

View Savings Accounts

APY***
0.35%
*A minimum deposit of $5 required to open, with a minimum average daily balance of $100 maintained to earn a dividend. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. APY is earned when dividend is posted to your Savings Account. APY=Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings on the account. APY is accurate as of 12/19/2025.