Are you looking for some extraordinary financial options in the Denton area? Denton Area Teachers Credit Union (DATCU) is one of the best facilities available for your needs.

It is a notable financial institution that is popular equally among all the customers in this region. T is highly exceptional due to its focus on community and education. Moreover, in terms of services, the DATCU holds a wide range of savings and checking accounts along with loans and other investment advice.

Keeping all these needs in front, here is the most comprehensive overview stated below regarding; Denton Area Teachers Credit Union Reviews

In this review, we will examine the key aspects as well as customer service, financial products, fees, and overall satisfaction of the consumers. Let’s find out further in the section below;

Bank Overview

The Denton Area Teachers Credit Union (DATCU) is one of the highly exceptional financial institutes. The credit union came into existence in 1936. From the time of its establishment, the bank has been serving a wide area and locations in Texas. It has further branches in some other regions also.

At all the branches and locations, the DATCU has provided a variety of financial services to all of its members. In terms of its assets, the bank comprises a total of approximately $756,473,395 along with the community members of over 79,909.

Denton Area Teachers Credit Union Locations

The concerned bank has a wide range of branches and locations in several cities in Texas. Some of the key locations for the bank include:

  • Aubrey, TX (919 S Highway 377)
  • Decatur, TX (600 W Ford St)
  • Downtown Denton, TX (225 W Mulberry St)
  • North Denton, TX (906 W University Dr)
  • South Denton, TX (3210 Teasley Ln)
  • Flower Mound, TX (2935 Long Prairie Rd)
  • Lewisville, TX (1001 S Edmonds Ln)
  • Sanger, TX (618 N 10th St)
  • The Colony, TX (4190 Main St)a

These locations are serving the members in various parts of the region. It offers convenient access to all the required services of the bank. Apart from all this, the credit union comprises a range of products including;

The bank also provides online and mobile banking services for even easier access and management of accounts.

Checking Accounts

To get influential benefits from the bank, customers prefer to rely on the checking account options. Some of the most crucial checking options include;

FeaturesFree Checking AccountYouth Checking AccountSmall Business Checking Account
Monthly Service FeesNoneNoneVaries based on account activity and balance
Minimum Balance RequirementNoneNoneVaries based on account activity and balance
Online and Mobile BankingIncludedIncludedIncluded
Mobile DepositIncludedIncludedIncluded
Bill PayIncludedIncludedIncluded
Visa® Debit CardIncludedIncludedIncluded
Surcharge-Free ATMsAccess to over 55,000 surcharge-free ATMs nationwideAccess to over 55,000 surcharge-free ATMs nationwideAccess to over 55,000 surcharge-free ATMs nationwide
Earns InterestYes, with regular debit Visa® Card usage and e-StatementsNoNo
Interest Rate/APYAPY changes periodically (specific rates not provided)Not applicableNot applicable
Minimum Share Account Deposit$5$5Varies

Savings Accounts

There is a wide range of saving options available throughout the Texas region. The basic credentials and requirements for these savings accounts include the;

FeaturesTraditional Savings AccountMoney Market Account
Minimum Opening Deposit$5$2,500
Quarterly DividendsEarned on balances over $100Yes
Online and Mobile BankingIncludedIncluded
Dividend CompoundingQuarterlyMonthly
Dividend CreditingQuarterlyMonthly
Withdrawal LimitsUnlimited in-person and ATM withdrawals, 6 free electronicUnlimited in-person and ATM withdrawals, 6 free electronic
APY (Annual Percentage Yield)Varies (specific rates not provided)Varies based on balance maintained, subject to change
Risk LevelLowLow

Certificates of Deposit and Money Market Accounts

Most attractively, the Certificate of Deposit at DATCU comprises the varied rates that depend upon different terms of the investment. The terms have the most specified range that varies from 6 months to 60 months. Moreover, the APYs are conveniently counted in perspective of the term length. The CDs include;

  • A 6-month CD has an APY of 4.50%.
  • A 12-month CD offers an APY of 5.05%.
  • Longer terms like a 48-month or 60-month CD have an APY of 3.82%.

For all these accounts, a minimum deposit of $1,000 is required. Not only for account opening but also for maintenance. Moreover, to enjoy the stated interest rates, it is required to maintain a minimum balance throughout the term.

In addition to all this, the money market accounts include;

Balance RangeAPY (Annual Percentage Yield)
$2,500 – $9,9992.17%
$25,000 – $49,9992.27%
Over $50,0002.43%

Mortgage Loans and Other Loan Products

Apart from all the perspectives, a range of loan products is available at the bank. It comprises;

  • Automobile loans
  • Recreational vehicle loans
  • Personal loans
  • Credit card rates
Loan TypeLoan AmountLoan Term RangeBorrower’s Credit Score RangeAPR Range
Automobile LoansNewer Models (2020-2023)72 – 84 monthsVaries based on credit score, amount, and term6.99% – 7.74%
Personal LoansVariesVariesVaries based on credit score, amount, and term10.99% – 12.99%

Additional Products and Services

DATCU has gained popularity due to its exceptional additional featural support. These additional services are;

  • IRAs
  • Checking accounts
  • Savings accounts
  • Variety of credit options
  • Digital banking tools
  • Resources for financial education and management.

Comparison Overview with Other Institutes

Feature / ServiceDATCUChaseBank of America
TypeCredit UnionCommercial BankCommercial Bank
Checking AccountsOffers free, youth, and small business checkingSeveral options including Chase Total CheckingVariety of checking accounts with different features
Credit CardsCash back credit cardWide range of credit cards with rewardsDiverse credit card options with rewards
LoansAuto, RV/Boat/ATV, home, personal, student loansMortgages, auto loansMortgages, auto loans
Investment ServicesWealth managementInvestment services by J.P. MorganInvestment options available
Branches/ATM AvailabilitySeveral branches in TexasOver 4,700 branches and 15,000 ATMs nationwideExtensive branch and ATM network
Digital BankingOnline banking and mobile appOnline banking, mobile appOnline banking, mobile app

Pros and Cons Analysis


  1. Community Focus – The bank holds the most significant commitment to support the aspects of education. Moreover, the community involvement of the bank also reflects its dedication to resolving local causes and other issues
  2. Diverse Financial Products – The credit union provides a wide range of financial products. These products are popular due to their accessibility. The products include various types of loans, along with checking and savings accounts.
  3. Minimal Fees – Different accounts hold a minimal fees perspective, which makes it a budget-friendly option for members.
  4. Convenient Digital Banking – DATCU offers online and mobile banking for easy account management.
  5. Membership Eligibility – The concise membership criteria of the bank are inclusive. It allows individuals of various backgrounds to take part/join.


  1. Limited Branch Network – Although the DATCU has multiple branch locations it is still inconvenient for those who are not residing in the area of North Texas region.
  2. Penalties for Early CD Withdrawal – There are early withdrawal aspects from a CD that may result in penalties. It ultimately reduces earnings.

Customer Reviews

Customer reviews for DATCU can provide valuable insights into the credit union’s services and member experiences. The overall aspects revolves around both positive and negative reviews to provide a balanced perspective

Final Personal Review – Services, Customer-Centric Approach

DATCU has a well-defined commitment to community involvement as well as educational support. It effectively reflects a customer-centric approach, which is the most appealing aspect for all those members who value such initiatives.

However, in terms of finalizing the statement, it is extremely important to completely review the details of its specific services including the fees, along with the eligibility criteria. So that one ensures that they align with the financial needs or location.

ConclusionDenton Area Teachers Credit Union Reviews

Denton Area Teachers Credit Union (DATCU) is a community-focused credit union offering competitive financial products and a commitment to local causes. Their CD rates, diverse services, and membership inclusivity make them a notable option for individuals in North Texas.

However, the limited branch network may not be suitable for those outside their service area. It’s important to review their services, fees, and eligibility criteria to determine if DATCU aligns with your financial needs. Reading customer reviews can also provide insights into member experiences.


How do I join DATCU?

You can join DATCU if you meet their eligibility criteria, which includes residing, working, or attending school in certain Texas counties. You can also contact DATCU for detailed membership requirements.

What are DATCU’s CD rates?

DATCU offers competitive CD rates that vary by the term. As of the latest available information, rates range from 3.75% to 5.05% APY.

Does DATCU have online banking?

Yes, DATCU provides online and mobile banking services for convenient account management.

What types of loans does DATCU offer?

DATCU offers various loans, including auto loans, personal loans, mortgage loans, and credit cards. Rates and terms vary based on the loan type and your creditworthiness.