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.
Austin Surety Bonds
Surety bonds in Austin, Texas — issued fast by Houston's specialty bond agency.
From our Houston office, serving Austin statewide.
If your job involves anything in an Austin right-of-way — driveway cuts, dumpsters, sidewalk café fencing, temporary lane closures — you need the single $10,000 ROW bond from Austin Transportation & Public Works. It covers all of it — no separate dumpster bond, no separate sidewalk café bond. Plus every Texas state bond Austin businesses file: auto dealer, freight broker, notary, bonded title, contractor, court, and fidelity. Same-day issuance from a real Texas agent.
- 40+years combined experience
- Same-daymost bond approvals
- TX #5595Texas License
Why Austin contractors call us
Austin bonds done by Texas agents.
Austin TPW-ready forms
We use the current Austin Transportation & Public Works ROW contractor bond form, surety-sealed and executed the same day. No rejected filings at the Wilhelmina Delco counter because the form is wrong, the seal is missing, or the obligee language is generic.
Austin ROW fluency
We read the Austin Transportation & Public Works ROW rules and the City of Austin code provisions that consolidate driveway, sidewalk café, dumpster, excavation, and temporary closure permits under a single bond — so you don't pay for bonds you don't need.
Statewide reach from Texas
Every Texas state bond Austin businesses need — auto dealer, freight broker BMC-84, notary, bonded title, mortgage broker, public adjuster, TABC — written by the same agent who writes your Austin city bond. One office, one application.
Surety Bond Houston is the surety-bond brand of Moon Insurance Managers, Inc. — Texas License #5595.
Austin municipal bonds
The bond the City of Austin actually requires.
Austin consolidated what other Texas cities split into three or four separate bonds into one. If you work in the Austin right-of-way, this is the bond — and there is no second bond hiding behind it. Filed at Austin Transportation & Public Works, not in Austin's state-agency offices.
Texas state bonds for Austin businesses
Issued by Texas state agencies — we write them for Austin clients daily.
These bonds are statewide. The amount, term, and obligee are identical for an Austin dealer and a Houston dealer. Filing happens at a state agency (TxDMV, TX SoS, TDI, TDSML), not the City of Austin.
| 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.
How to get bonded from Austin
Three steps, same day.
- 01
Quote
Call (281) 484-8320 or start online. Tell us the bond, the amount, and the obligee. No credit pull for most license bonds.
- 02
Underwrite same day
Same-day approval on flat-rated bonds. Credit-tier bonds (auto dealer, freight broker, ROW with credit signature) typically clear in hours. Larger contract bonds run through prequalification.
- 03
File at Austin Transportation & Public Works or state agency
Bond emailed on the obligee-approved form. We courier originals to 6310 Wilhelmina Delco Drive (Austin TPW) or file directly with TxDMV, TX SoS, or TDI as needed.
Austin FAQ
Questions Austin applicants ask us every week.
What municipal bond does the City of Austin require?
A single $10,000 right-of-way (ROW) contractor bond filed with Austin Transportation & Public Works. It covers anything that happens in the Austin public right-of-way — driveway cuts, sidewalk repair, sidewalk café railings, dumpster permits, excavation for utility tie-ins, temporary lane closures for construction, and curb cuts. Austin consolidated what other Texas cities split into three or four separate bonds into one $10,000 bond.
Where do I file my Austin contractor bond?
At Austin Transportation & Public Works, 6310 Wilhelmina Delco Drive, Austin, TX 78752. The department processes ROW permits, contractor registrations, and the supporting surety bonds. We email PDFs the same day and overnight original bonds when the obligee requires originals at the counter.
How much does the Austin ROW bond cost?
Standard credit applicants typically pay $100–$200 a year (1–2% of the bond amount). Fair credit runs $200–$500 (2–5%). Credit-challenged applicants pay $500–$1,000 (5–10%). Most established Austin contractors with mid-700s credit pay around $150 a year. The premium is the cost of the bond — not a deposit or refundable fee.
I bought a used vehicle in Austin with no title. What bond do I need?
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. Austin and Travis County residents file at the Travis County Tax Office at 5501 Airport Boulevard. The bond and Form VTR-130-SOF are processed at the tax office counter. We write Texas bonded titles in about ten minutes.
Do I need a separate bond for dumpster permits or sidewalk café fencing?
No. The $10,000 Austin ROW bond covers it. Austin Transportation & Public Works treats dumpster permits, sidewalk café fencing, temporary lane closures, driveway cuts, and excavation permits as different uses of the same public right-of-way — and one bond covers all of them as long as it stays in force. Many contractors and restaurants discover this only after being quoted multiple bonds elsewhere.
Are you an Austin agency or based in Houston?
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 Austin bonds daily and file them electronically or by overnight courier with Austin Transportation & Public Works and the Travis County Tax Office. From our Houston office, serving Austin statewide.
Where to file
Austin permitting agencies.
Austin Transportation & Public Works
ROW Contractor bond · Driveway, sidewalk, dumpster, café fencing permits
6310 Wilhelmina Delco DriveAustin, TX 78752 austintexas.gov/TPW →
Travis County Tax Office
Bonded title filings · TxDMV submissions
Main Office5501 Airport Boulevard
Austin, TX 78751 traviscountytx.gov →
Other Texas metros we serve
From Houston, statewide.
We also write bonds for businesses in Houston, Dallas, San Antonio, Fort Worth, El Paso, Arlington, Plano, Corpus Christi, and Lubbock — and Texas businesses statewide.
Austin bonds, same day
Get your Austin bond today.
40+ years writing Texas bonds. Austin TPW-ready forms. TX License #5595.