Current Rates — Morris Sheppard Texarkana FCU

Current Rates

Rates That Work for You

As a member-owned credit union, we pass our earnings back to you through better rates and lower fees.

Rates are subject to change without notice and are effective as of June 2, 2026. APR = Annual Percentage Rate. Contact us for the most current rate information or to discuss your specific situation.

Loan Rates

Competitive rates for members on all loan products.

Product
Rate
Details
Auto Loan (New)
4.50%As low as / APR
Up to 72 months
Auto Loan (Used)
4.50%As low as / APR
Up to 60 months
Recreational Loan
4.50%As low as / APR
Boats, ATVs, RVs & more
Equipment Loan
4.50%As low as / APR
Farm & agricultural equipment
Zero Turn Mower (New)
4.50%As low as / APR
New mowers only
Personal Loan
8.75%As low as / APR
Unsecured, up to 48 months

Savings Rates

Regular Savings and Christmas Club Savings accounts earn tiered dividends based on your daily balance.

Regular Savings
Balance Tier
APR
Dividend Rate
$50 – $999.99
0.30%APR
0.30%
$1,000 – $4,999.99
0.40%APR
0.40%
$5,000 and above
0.50%APR
0.50%
Christmas Club Savings
Balance Tier
APR
Dividend Rate
$50 – $999.99
0.30%APR
0.30%
$1,000 – $4,999.99
0.40%APR
0.40%
$5,000 and above
0.50%APR
0.50%
Checking Account
Our checking account does not earn dividends or interest. No monthly fees apply.

Tiered Rate Disclosure: The APR and dividend rate paid on your account will depend on the applicable balance tier. Each tier's rate applies only to the portion of the balance within that tier. Dividends begin accruing on balances of $50.00 or more. Rates are variable and may change after the account is opened. Fees may reduce earnings. A minimum opening deposit of $6 is required.

Certificate of Deposit Rates

Lock in a guaranteed rate and grow your savings over time.

Term
APR
Details
6-Month CD
4.00%APR
$1,000 minimum deposit
12-Month CD
3.80%APR
$1,000 minimum deposit
18-Month CD
3.80%APR
$1,000 minimum deposit
24-Month CD
3.75%APR
$1,000 minimum deposit

Ready to Apply?

Contact us today and a local team member will walk you through your options.