New Year's Closure

All of our branches and offices will be closing at 1:00 pm on Wednesday, December 31st, and will be closed on Thursday, January 1st, in observance of the New Year's holiday.

Holiday Hours

Annual Audit Notice As part of the Texans Credit Union annual audit, our auditor, Doeren Mayhew, will be mailing account confirmation letters to a sample group of our membership in December. These letters will ask you to verify September 2025 month end balances on your accounts. Separate letters will be mailed for deposit accounts and loan accounts. All responses should be mailed directly to the auditing firm using the prepaid postage envelopes provided in the mailing.

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Money Market Account

Earn More With the Flexibility of a Money Market Account

A Performance Money Market Account is a smart, flexible way to grow your savings. You’ll earn competitive, tiered rates that reward higher balances, enjoy unlimited transactions, and pay no service fees when you meet the minimum balance requirement. Plus, you'll have the flexibility to access your funds whenever you need them.

Open an account today to make your money work harder, without locking it away.

Texans Money Market Account Benefits

Competitive Rates

Earn more as you save with tiered rates that grow with your balance.

No Transaction Limits

Enjoy unlimited transactions by ATM, in person, or via our digital banking mobile app.1

No Monthly Service Fee2

Maintain a minimum balance of $2,500 to qualify.

NCUA Insured

Accounts are federally insured for up to $250,000.
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Performance Money Market Account Details

Texans Credit Union’s Performance Money Market Account makes it easy to boost your savings with better returns than regular savings accounts, while keeping your money within reach.

With a minimum opening deposit of just $500, you’ll enjoy competitive, tiered dividend rates that reward higher balances. There are also no early withdrawal penalties, so you can access your funds whenever you need them.

  • Unlimited transactions by ATM, in person, or via our digital banking mobile app
  • No monthly service fee1 when a minimum balance is met
  • Send money in seconds with Instant Transfer

Our Performance Money Market Account can also serve as a source of overdraft protection for your Texans Checking Account.*

How to Open an Account

Simply click the link to get started. You can also stop by any of our local branches. Our friendly team is ready to help you open your account and start growing your savings.

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Performance Money Market Account Rates

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Account Balance Dividend Rate APY^
$0.01 to $9,999.99 1.24% 1.25%
$10,000 to $24,999.99 1.49% 1.50%
$25,000 to $49,999.99 1.74% 1.75%
$50,000 to $99,999.99 1.98% 2.00%
$100,000 to $249,999.99 2.23% 2.25%
$250,000 to $499,999.99 2.47% 2.50%
$500,000 to $749,999.99 2.96% 3.00%
$750,000 to $999,999.99 3.20% 3.25%
$1,000,000 or more 3.45% 3.50%

Money Market Account Faqs

If you’re wondering, “how does a Money Market Account work,” it’s essentially a hybrid between a traditional Savings Account and a Checking Account. Offered by banks and credit unions, Money Market Accounts typically earn a higher annual percentage yield (APY) than Savings Accounts. When comparing Money Market Accounts vs. Savings Accounts, a key difference is that Money Market Accounts often include check-writing privileges, making it easier to access your funds. These accounts can be ideal for emergency funds as well as short- and long-term savings goals.
Interest on our Performance Money Market Account is based on a tiered structure. The higher your balance, the higher the rate you may earn. Interest is compounded and credited monthly, so your money grows steadily over time.
Performance Money Market Accounts have variable rates, which means they can fluctuate over time based on market conditions. We offer competitive, tiered dividend rates that reward higher balances with higher returns.
If your Money Market Account balance falls below $2,500, you will be subject to a monthly service fee of $5.00.
Yes, Performance Money Market Accounts offer check-writing privileges, and there is no limit on the number of checks you can write each month. There are also no per-check fees. It’s a smart option to build your savings without locking your funds away.
Yes, you can link your Performance Money Market Account to other accounts, like your Checking Account, to easily transfer funds. For example, you could schedule a monthly transfer from your Checking Account to your Performance Money Market Account, adding to your savings automatically.
Yes, our Performance Money Market Accounts are federally insured for up to $250,000 by the National Credit Union Administration (NCUA).
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Explore Accounts

Certificates & IRAs

Take advantage of fixed, competitive rates with a Certificate for guaranteed returns. An IRA provides tax-advantaged growth to support your long-term goals.

Texans Two-Step Checking

Step up your checking and earn higher interest on balances up to $15,000 in your linked Texans Savings Account. Enjoy ATM refunds, no monthly service fees, and more!

Credit Cards

Texan's flexible credit cards simplify your spending and help you save. Earn rewards and enjoy competitive rates, no annual fees, and more! Find the right card for you.

Membership required. The Performance Money Market Account requires a minimum opening deposit of $500.

1 Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.

2 No monthly service fee if a minimum balance of $2,500 is maintained.

* Each time Overdraft Protection is used, a fee of $5.00 per transaction will be assessed.

^ APY- Annual Percentage Yield. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. This is a variable rate account. The rate may change after the account is opened. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.

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