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.
Texas Conservator Bond
Conservator bonds, filed the day
Conservator bonds, filed the day
the court issues letters.
Required of court-appointed conservators managing property belonging to another person — commonly used in Texas family-law and limited estate-administration matters. Premium typically 0.5%–1% of bond amount for well-qualified applicants.
- Family-law and estate conservatorships
- Harris County district and probate courts
- Same-day issuance for standard cases
What it is
The bond a Texas court requires of conservators.
A Texas conservator bond is a fiduciary surety bond posted by a person appointed by a court to manage property belonging to another — typically a minor or an incapacitated adult. It guarantees that the conservator will act faithfully, invest prudently, account accurately, and comply with all court orders.
The bond protects the person whose property is under conservatorship — the ward, the minor, or the protected adult — from losses caused by conservator misconduct. If a valid claim is paid, the surety collects reimbursement from the conservator personally.
The bond is continuous and remains in force until the court discharges the conservator. Premium is paid annually. The property under conservatorship typically reimburses the premium as an administrative expense.
What you pay
Premium scales with bond size and conservator credit.
Conservator bonds are individually underwritten based on the estate value and the applicant's personal credit.
| Property / bond size | Preferred rate | Standard rate |
|---|---|---|
| Under $100,000 Small property | $200–$350 (min premium) | $350–$500 |
| $100,000–$500,000 Typical case | 0.5% of bond | 0.75–1.0% of bond |
| $500,000–$2,000,000 Significant property | 0.5% of bond | 0.75% of bond |
| Over $2,000,000 Large property (tiered) | 0.4% of bond | 0.5–0.7% of bond |
Managed property typically reimburses premium as an administrative expense.
How to get bonded
Five steps, coordinated with your attorney.
- 01
Court orders bond
Judge sets the bond amount at the appointment hearing.
- 02
Quote & application
Soft credit pull on the conservator. Application scaled to the property size.
- 03
Surety review
Surety reviews the court order and conservator credit. Standard cases approved same-day.
- 04
Bond issuance
Bond issued on court-approved form and delivered to your attorney for filing.
- 05
Annual renewal
Bond renews until the court discharges the conservator. Managed property reimburses premium.
Legal requirements
Texas statute, issuing court, what the bond covers.
Statute
Depending on the case type, the applicable statute may be Texas Estates Code Chapter 1105 (guardianship), Texas Family Code conservatorship provisions, or a specific court order.
Issuing court
The Texas district court or statutory probate court hearing the conservatorship matter. Harris County: district courts or probate courts 1–4.
Bond amount
Set by the court, typically equal to the value of property under the conservator's control plus one year of estimated income.
Term
Continuous until court discharge. Premium billed annually.
Who can claim
The protected person, successor conservator, or any other interested person harmed by the conservator's misconduct.
Why Surety Bond Houston
Conservator bonds need local experience.
Harris County experience
We handle Houston family-law and probate conservatorships routinely.
Attorney-coordinated
Your attorney sends the order, we issue, we deliver for clerk filing.
Credit flexibility
We place conservator bonds across the credit spectrum with specialty sureties.
Related bonds
Other fiduciary bonds we write.
FAQ
Conservator bond questions we answer.
What is a Texas conservator bond?
A conservator bond is a fiduciary surety bond posted by a person appointed by a Texas court to manage the property or person of someone who cannot manage their own affairs. In Texas, "conservatorship" is most commonly used in family-law contexts (managing a child's property) and in limited estate administration contexts. The bond guarantees the conservator will act faithfully and account honestly for the assets under management.
How much does a Texas conservator bond cost?
Conservator bonds typically cost 0.5%–1% of the bond amount per year for applicants with good credit. A $250,000 conservator bond commonly runs $1,250–$2,500 per year. Minimum premiums of $200–$350 apply for small estates. Credit-challenged applicants pay 1.5%–3% of the bond amount.
Is a conservator the same as a guardian in Texas?
Not quite. Texas uses "guardian" as the primary term for a court-appointed fiduciary managing another person's affairs under the Estates Code — guardian of the person, guardian of the estate, or both. "Conservator" is used more often in family-law contexts (managing a child's property in a divorce or paternity case) and in some limited estate matters. Bond requirements are similar in both roles.
How does the court set the conservator bond amount?
The court sets the bond equal to the value of the property under the conservator's control plus one year of estimated income. The judge orders the bond amount at the hearing when letters of conservatorship are issued. The court can increase or decrease the bond as the property value changes.
How quickly can a conservator bond be issued?
Same-day to next-day issuance is typical for applicants with clean credit and a clear court order. We prepare the bond on the court-approved form and deliver it to your attorney for filing.
Can a conservator bond be issued with weak credit?
Yes. Preferred rates for 680+ credit. Derogatory credit typically adds 1%–2% to the rate. Very weak credit may require a co-principal or partial collateral (usually 10–25% of the bond amount).
What happens if a claim is filed against my conservator bond?
The surety investigates through the court record. Valid claims — misappropriation, unauthorized distributions, failure to account — are paid to the harmed party up to the bond amount. The surety then seeks full reimbursement from the conservator personally.
Ready when you are
Get your Texas conservator bond today.
Same-day issuance for standard cases. Houston-based, Texas-wide.