Member Services — Morris Sheppard Texarkana FCU

What We Offer

Services Built for Members

Every product we offer is designed with one goal — helping our members build stronger financial futures right here in Texarkana.

Checking Accounts

No-fee everyday banking with a free debit card, bill pay, and ATM access.

No monthly fees
Free Visa debit card
Online bill pay

Savings Accounts

Earn competitive dividends with NCUA-insured deposits and easy transfers.

Tiered dividend rates
NCUA insured
$6 minimum to open

Christmas Club Savings

Save all year and receive your funds automatically in the fall.

Automatic fall payout
Earns dividends
Flexible contributions

Certificates of Deposit

Lock in a guaranteed rate — 6 to 24-month terms available.

Up to 4.00% APR
$1,000 minimum
NCUA insured

Online & Mobile Banking

Manage your accounts 24/7 from any device.

24/7 access
Fund transfers
Bill pay & alerts

Auto Loans

New and used vehicle financing with rates as low as 4.50% APR.

From 4.50% APR
New & used vehicles
Fast local decisions

Recreational Loans

Finance boats, ATVs, motorcycles, RVs, and more.

From 4.50% APR
Boats, ATVs, RVs
Flexible terms

Equipment Loans

Farm and agricultural equipment financing with local approval.

From 4.50% APR
Farm & ag equipment
Local decisions

Zero Turn Mower Loans

Financing for new zero turn mowers with member-friendly rates.

New mowers only
From 4.50% APR
Quick approval

Personal Loans

Unsecured loans for life's unexpected moments, from 8.75% APR.

From 8.75% APR
No collateral required
Fixed payments

View All Rates

Transparency First

Fee Schedule

We believe in straightforward banking. Below is a complete list of our current fees so you always know what to expect.

Service

Fee

New Member Fee$1.00

Stop Payment Fee$20.00

Non-Sufficient Funds (NSF) — Paid Item$25.00 (max $100/day)

Non-Sufficient Funds (NSF) — Return Item$25.00 (max $100/day)

Excess Share Withdrawals (over 5 per month)$1.00 per transaction

Account Research$15.00/hr (1 hr minimum)

Wire Transfer$15.00

Chargeback Fee — From Self$25.00

Chargeback Fee — From Others$5.00

Loan Skip Payment Fee$20.00 per loan

Statement Copy$5.00

Photocopy of Check$1.00

Debit Card Replacement Fee$10.00

Account Reconciliation$20.00

Account Maintenance Fee (closed within 60 days of opening)$10.00

ATM Transaction Fee (non-owned ATMs)$0.00

Fees are subject to change. Contact us at (903) 798-3918 or visit our branch at 419 W 4th St, Texarkana, TX for the most current fee schedule.