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 Injunction Bond
TRO and temporary injunction bonds,
TRO and temporary injunction bonds,
issued the same day the court sets the amount.
Required under Texas Rule of Civil Procedure 684 before a TRO or temporary injunction can issue. Protects the enjoined party against damages if the injunction is wrongfully granted. Premium typically 1%–3% of bond amount with collateral required on larger bonds.
- Same-day issuance for standard filings
- TRO and temporary injunction coverage
- Cash, LOC, and credit programs available
What it is
The security Texas requires before a TRO or injunction issues.
A Texas injunction bond is filed by the party seeking a TRO or temporary injunction to protect the enjoined party against damages if the injunction turns out to be wrongful. Texas courts cannot issue an injunction without it — Texas Rule of Civil Procedure 684 makes the bond a precondition of the order.
The bond functions as a liability cap. The party obtaining the injunction is agreeing, through the bond, that if the court later determines the injunction should not have issued, the enjoined party can recover damages up to the bond penalty. The surety pays the enjoined party and then collects from the principal under the indemnity agreement.
Injunction bonds are usually issued for the duration of the underlying case — first for the TRO, then extended or reissued for the temporary injunction, and released when the case resolves or the injunction dissolves. Premium is billed annually while the bond is on file.
What you pay
Premium scales with bond amount and applicant credit.
Pricing reflects bond size, case posture, and the underwriter's view of the applicant's financial capacity to indemnify the surety.
| Bond amount | Preferred rate | Standard rate / collateral |
|---|---|---|
| Under $25,000 Small injunctions | $250–$500 (min premium) | $500–$1,000 |
| $25,000–$100,000 Typical commercial injunction | 1% of bond | 2–3% of bond |
| $100,000–$500,000 Large commercial injunction | 1% of bond | 1–2% + partial or full collateral |
| Over $500,000 High-value injunctions | 0.75–1% of bond | 100% cash or irrevocable LOC collateral |
Premium is paid annually until the bond is released. Injunction cases that settle quickly still owe the first-year minimum.
How to get bonded
Four steps, usually same-day.
- 01
Court sets bond amount
At the TRO or temporary injunction hearing, the judge fixes the bond amount under TRCP 684. Your counsel sends us the signed order.
- 02
Quote & application
Call or start online. Short application, credit review on the principal, and collateral discussion if the bond is large.
- 03
Bond issuance
Surety issues on the court-approved form with power of attorney and surety seal. Delivered to your counsel for filing with the trial court clerk.
- 04
Release on dissolution
When the injunction dissolves or the case resolves, we obtain a release order and close the bond. Any collateral is returned.
Legal requirements
Texas rule, what the bond covers, how claims work.
Rule
Texas Rule of Civil Procedure 684 governs injunction bonds. It requires the applicant to post security before the TRO or temporary injunction issues. An order entered without the required bond is void.
Bond amount
Set by the trial court at the hearing. The court considers potential damages the enjoined party could suffer if the injunction is wrongful, including lost profits, legal fees, and out-of-pocket costs.
Coverage
Damages and costs incurred by a party who is wrongfully enjoined or restrained. Determination that the injunction was wrongful is made by the trial court or the court of appeals.
Duration
From filing until the injunction dissolves, the case is dismissed, or the court orders the bond released. A new or extended bond is typically issued when a TRO converts to a temporary injunction.
Exceptions
Governmental units expressly exempted by statute — for example, certain attorney general enforcement actions — may proceed without a bond. Private litigants virtually always must post one.
Why Surety Bond Houston
Injunction filings move fast — the surety has to keep up.
Same-day turnaround
TRO filings happen in hours, not days. We underwrite and issue same-day for standard credit, faster when collateral is already posted.
Counsel-first workflow
Your litigation team runs the order. We run the bond. You send the order; we send a filed-ready bond back. No paperwork friction.
Harris County ready
Every Harris County district court, plus Fort Bend, Montgomery, and surrounding counties. Bond forms match local court requirements.
Related bonds
Other judicial and fiduciary bonds we write.
FAQ
Injunction bond questions we answer every week.
How much does a Texas injunction bond cost?
Premium is typically 1% to 3% of the bond amount per year for well-qualified applicants. A $50,000 injunction bond runs $500 to $1,500 per year. Because injunction bonds are issued quickly and often for unsettled claims, sureties generally require collateral on larger bonds — 100% cash or irrevocable letter of credit is standard for bonds above $100,000.
Who sets the amount of the Texas injunction bond?
The trial court, under Tex. R. Civ. P. 684. The rule requires the applicant to post security "in such sum as the court or judge may fix" as damages and costs that might be suffered by the party wrongfully enjoined. The court weighs the potential harm the injunction could cause the enjoined party and sets the bond accordingly, usually at the TRO or temporary injunction hearing.
Is a bond required for a Texas temporary restraining order (TRO)?
Almost always. Tex. R. Civ. P. 684 applies to both TROs and temporary injunctions and requires a bond before the order issues, with a very narrow exception for governmental units exempted by statute. An order entered without the required bond is void, and courts of appeals routinely dissolve injunctions where the required security was not posted.
How fast can a Texas injunction bond be issued?
For standard applicants, same-day issuance is typical. The court signs the TRO or injunction order with the required bond amount, we underwrite on credit (or collateral for larger bonds), and the bond is issued on the court form and filed with the clerk. Timing is almost always driven by how fast your counsel can get the signed order to us.
What happens if the injunction is wrongfully issued?
If the enjoined party later prevails and shows the injunction was wrongful — dissolved on the merits, reversed on appeal, or otherwise determined improper — they can claim against the bond for damages caused by the injunction, up to the bond penalty. The surety pays up to the bond amount, then collects from the principal under the indemnity agreement. Typical damages include lost profits, legal fees, and out-of-pocket costs.
Does the bond continue when a TRO converts to a temporary injunction?
Usually. The court may order the TRO bond to continue for the temporary injunction, or it may set a new bond amount. A new bond or a rider extending coverage is typically issued to match whatever the court orders. Your counsel sends us the order and we adjust the bond or issue a new one same-day.
Can I get an injunction bond with bad credit?
Yes, with collateral. Standard injunction-bond underwriting looks at the applicant's credit and the bond amount. Weak credit, high bond amount, or unusual case posture may require full cash collateral or an irrevocable letter of credit. We place hard files with sureties that specialize in collateralized court bond programs.
Ready when you are
Get your Texas injunction bond today.
Same-day issuance on standard filings. Coordinated with your litigation counsel. Filed with the trial court clerk before the TRO hearing deadline.