Savings Rates

 Share Certificate Rates
Rates Effective February 1, 2021
Duration Dividend Rate APY*
6 Months 0.60% 0.6017%
12 Months 0.90% 0.9037%
18 Months 0.95% 0.9542%
24 Months 1.15% 1.1564%
Savings Rates
Rates Effective May 29, 2018
Balance Dividend Rate APY*
$50- $999.99 0.30% 0.3004%
$1,000-$4,999.99 0.40% 0.4007%
$5,000 + 0.50% 0.5011%
*APY= Annual Percentage Yield
The Board of Directors periodically review dividend rates.
The Board of MSTFCU determine rates based on current market trends
and dividend guidelines.
$5 minimum opening deposit on savings accounts
$1,000 minimum opening deposit on share certificates


Our Annual Meeting is scheduled for March 23, 2021 at 5:30 pm at Texas City Hall in the council chambers.

Going on Vacation or out of town? Let credit union staff know so we can ensure your debit card works for you.

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Our hours of operation are Monday-Friday from 9:00am -5:00pm.

The credit union is open during the lunch hour, however, due to our small number of staff there will be times that our office will close for lunch. If we do have to close that time will be from 11:30-12:30. We apologize in advance for any inconvenience this may cause.