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Have you heard? Qualtrust is joining forces with Texas Trust Credit Union. That means as of November 1, 2017, we will not be opening additional Qualtrust accounts. But fret not! Texas Trust has a variety of products and services designed to meet your needs.

If you are interested in opening an account, head to Texas Trust to learn about the great options available to you.

Rates effective as of October 1, 2017.


Account Type Minimum Opening Deposit Minimum
Balance to Earn Dividends
Annual Dividend Rate* Annual Percentage Yield*
Savings Accounts
Share Account $5 $5 0.10% 0.05%


$10,000 0.10% 0.05%


$25,000 0.10%
0.05%


$50,000 0.10%
0.05%
Club Account $5 $5 0.10%
0.05%


$10,000 0.10%
0.05%


$25,000 0.10%
0.05%


$50,000 0.10%
0.05%
Money Market $2,500 $0 0.00%
0.00%


$2,500 0.16% 0.15%


$10,000 0.22%
0.15%


$25,000 0.22%
0.15%


$50,000 0.30%
0.15%
IRA $5 $5 0.20%
0.20%


$10,000 0.20%
0.20%


$25,000 0.20%
0.20%


$50,000 0.20%
0.20%
Checking Accounts
Member Checking $50 $1,000 0.05% 0.05%
Investment Checking $7,500 $0 0.00% 0.00%


$7,500 0.15% 0.15%


$25,000 0.20%
0.20%


$50,000 0.25%
0.25%


$100,000 0.25% 0.25%
Circle of Success $50 No Minimum Balance
0.05% 0.05%


*Savings, Money Market and Checking have variable rates which may change at any time according to market conditions and management discretion. The interest rate you receive will be based on the AVERAGE daily balance method (paid monthly), which applies a daily periodic rate to the principal in your account each day.


Rates effective as of October 1, 2017

Account Type Minimum Balance Annual Dividend Rate*
Annual Percentage Yield*
Certificates of Deposit
3 Month Share Certificate $1,000 0.25% 0.25%
6 Month Share Certificate $1,000 0.65% 0.65%
1 Year Smart Start $250 0.75% 0.75%
1 Year Share Certificate $1,000 0.90% 0.90%
2 Year Share Certificate $1,000 1.29% 1.30%
3 Year Share Certificate $1,000 1.34% 1.35%
4 Year Share Certificate $1,000 1.59% 1.60%
5 Year Share Certificate$1,0001.88%1.90%


*The dividend rate will be in effect until the maturity date. Dividends will be compounded monthly and credited to your account on a monthly basis on the last day of the month. Upon request, dividends may be paid to you by check or transferred to another account at Qualtrust CU. However, the Annual Percentage Yield assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. All share certificate accounts will automatically renew at maturity. You will have seven (7) calendar days after the maturity date to withdraw funds without a penalty. We may impose a penalty if you withdraw any of the principal in your Account before the maturity date. All penalties are calculated on the amount withdrawn. If you have withdrawn your earned dividends, the penalty may be deducted from your principal. For a Certificate with a term of one year or less, the penalty will equal ninety (90) days’ dividends on your Account. For a Certificate with a term in excess of one year, the penalty will equal (180) days’ dividends on your Account. In the event that the balance of your Certificate, following the withdrawal of principal and the assessment of an early withdrawal penalty, is less than the minimum balance required to open the Account, your Certificate Account will be closed.
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