Texas Credit Union Fidelity Bond Requirements (2026)
Texas credit unions answer to two fidelity bond rules, not one. The NCUA asset table under 12 CFR 713.5, plus what 7 TAC 91.510 adds if you're state-chartered.
From our Houston office, serving Arlington statewide.
Arlington sits in the heart of the Tarrant County contractor and dealership corridor — between Fort Worth and Dallas, with a deep base of auto dealers, freight brokers, contractors, and entertainment-district vendors. We write every Texas state bond Arlington businesses file: auto dealer, freight broker (BMC-84), notary, bonded title, contractor, court, and fidelity. Same-day issuance from a real Texas agent.
Bonds executed on current obligee-approved forms — TxDMV, FMCSA, TX Secretary of State, TDI, TDLR, and the City of Arlington. No callbacks at the Arlington City Hall counter because a form is stale, the surety seal is missing, or the bond amount is off.
Arlington contractor registration rules vary by trade. We confirm the bond amount and form with Arlington Community Development & Planning at the time you apply rather than quoting from a stale website. The exact bond you need is the one you get.
Every Texas state bond Arlington businesses need — auto dealer, freight broker BMC-84, notary, bonded title, mortgage broker, public adjuster, TABC — written by one Texas agent. One office, one application, same-day issuance.
Surety Bond Houston is the surety-bond brand of Moon Insurance Managers, Inc. — Texas License #5595.
Arlington Community Development & Planning administers contractor registration and trade permitting. Bond amounts and registration paths differ by trade — general construction, electrical, plumbing, mechanical, and irrigation each register separately, and the bond requirement tracks the trade.
Rather than publish a single Arlington contractor bond amount that may be stale by the time you read it, we confirm the current bond amount with Arlington Community Development & Planning at the time you apply. Most established Arlington contractors register at the City level once and then bond per trade as TDLR licensing already requires it at the state level. Tell us the trade, the permit, and the project value when you call and we will quote the exact bond Arlington requires for your registration.
These bonds are statewide. The amount, term, and obligee are identical for an Arlington dealer and a Houston dealer. Filing happens at a state agency (TxDMV, TX SoS, TDI, TDSML), not the City of Arlington.
| Bond | Amount | Term / Agency |
|---|---|---|
| Texas Auto Dealer | $50K | 2yr (TxDMV) |
| Freight Broker (BMC-84) | $75K | Annual (FMCSA) |
| Texas Notary | $10K | 4yr (TX SoS) |
| Bonded Title (Cert. of Title) | 1.5× value | 3yr (TxDMV) |
| Texas Mortgage Broker | $25K–$50K | Annual (TX DSML) |
| Public Adjuster | $10K | Annual (TDI) |
| TABC Alcohol | Varies | Annual (TABC) |
| Medicare / DMEPOS | $50K | Annual (CMS) |
| Texas Contractor License | Varies | Per trade / TDLR |
| Performance & Payment | 100% of contract | Gov Code Ch. 2253 |
A current Texas auto-dealer bond is $50K for a 2-year term issued by TxDMV — doubled from the old $25K under HB 3533. We see plenty of national pages still quoting the outdated number.
Call (281) 484-8320 or start online. Tell us the bond, trade, and obligee. No credit pull for most license bonds.
Same-day approval on flat-rated bonds. Credit-tier bonds (auto dealer, freight broker, larger contractor bonds) typically clear in hours. Larger contract bonds run through prequalification.
Bond emailed on the obligee-approved form. We overnight originals to Arlington City Hall or the Tarrant County Tax Assessor-Collector, or file directly with TxDMV, FMCSA, TX SoS, or TDI as needed.
Arlington's contractor registration and trade-permit rules are administered by the Arlington Community Development & Planning Department. Bond requirements vary by trade — general contractors, electrical, plumbing, mechanical, and irrigation each register through their own path, and some carry a Texas state license through TDLR that already includes a state-level bond. We confirm the current bond amount and form with Arlington Community Development & Planning at the time you apply rather than publishing a number that may be stale. Call us at (281) 484-8320 with the trade and the permit and we will quote the exact bond Arlington requires for your registration.
Arlington Community Development & Planning at Arlington City Hall, 101 W. Abram Street, Arlington, TX 76010. The department processes contractor registrations and trade permit submissions. Statewide trade licenses (electrical, plumbing, HVAC, irrigation) are issued by TDLR — that license already includes a bond at the state level. Arlington City-specific bonding stacks on top of the TDLR license for City-issued permits.
The $50,000 Texas Auto Dealer Bond, issued by the Texas Department of Motor Vehicles. It is a statewide bond with a 2-year term — the amount, term, and obligee are identical for an Arlington dealer, a Fort Worth dealer, and a Houston dealer. We write Texas Auto Dealer Bonds across the credit spectrum, typically the same day. Premium for prime credit is roughly $250 a year — about $500 for the full 2-year term; credit-challenged applicants can run up to $2,500–$5,000.
A Texas bonded title (certificate of title surety bond). The bond amount is 1.5× the appraised value of the vehicle, the term is three years, and the issuing agency is TxDMV. Arlington residents file through Tarrant County — the Tarrant County Tax Assessor-Collector accepts the bond and Form VTR-130-SOF. We are TxDMV bonded-title specialists and write the bond in about ten minutes.
The $75,000 federal BMC-84 freight broker bond, required by the Federal Motor Carrier Safety Administration (FMCSA). It is federal, not state — the same bond covers Arlington, Fort Worth, and out-of-state operations. Annual term, filed electronically with FMCSA. Premium for prime credit starts around $938 a year; credit-tier dependent. We file the BMC-84 electronically the same day for new and renewing brokers.
We are based in Houston — Surety Bond Houston is the surety brand of Moon Insurance Managers, Inc. (TX License #5595), a Houston-area agency with more than 40 years of combined experience writing Texas bonds. We write Arlington and broader Tarrant County bonds daily and deliver bonds electronically or by overnight courier as the obligee requires. From our Houston office, serving Arlington statewide.
Contractor registration · Trade permit submissions
Arlington City HallBonded title filings · TxDMV submissions
Tarrant CountyWe also write bonds for businesses in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso, Plano, Lubbock, and Corpus Christi — and Texas businesses statewide.
40+ years writing Texas bonds. Arlington-ready forms. TX License #5595.