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.
Plano Surety Bonds
Surety bonds in Plano, Texas — issued fast by Houston's specialty bond agency.
From our Houston office, serving Plano statewide.
Plano is the Collin County employer hub — corporate HQs, dealerships, freight operations, healthcare suppliers, and a deep contractor base building one of the fastest-growing markets in Texas. We write every Texas state bond Plano businesses file: auto dealer, freight broker (BMC-84), 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 Plano businesses call us
Plano bonds done by Texas agents.
Plano-ready forms
Bonds executed on current obligee-approved forms — TxDMV, FMCSA, TX Secretary of State, TDI, TDLR, and the City of Plano. No callbacks at the Plano Building Inspections counter because a form is stale, the surety seal is missing, or the bond amount is off.
Verified bond amounts
Plano contractor registration rules vary by trade. We confirm the bond amount and form with Plano Building Inspections at the time you apply rather than quoting from a stale website. The exact bond you need is the one you get.
Statewide reach from Texas
Every Texas state bond Plano 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.
City of Plano contractor bonds
Plano contractor and trade bonds — verified per trade.
Plano Building Inspections 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 Plano contractor bond amount that may be stale by the time you read it, we confirm the current bond amount with Plano Building Inspections at the time you apply. Most established Plano 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 Plano requires for your registration.
Texas state bonds for Plano businesses
Issued by Texas state agencies — we write them for Plano clients daily.
These bonds are statewide. The amount, term, and obligee are identical for a Plano dealer and a Houston dealer. Filing happens at a state agency (TxDMV, TX SoS, TDI, TDSML), not the City of Plano.
| 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 Plano
Three steps, same day.
- 01
Quote
Call (281) 484-8320 or start online. Tell us the bond, trade, and 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, larger contractor bonds) typically clear in hours. Larger contract bonds run through prequalification.
- 03
File at Plano Building Inspections or state agency
Bond emailed on the obligee-approved form. We overnight originals to Plano Building Inspections or the Collin County Tax Office, or file directly with TxDMV, FMCSA, TX SoS, or TDI as needed.
Plano FAQ
Questions Plano applicants ask us every week.
Does the City of Plano require a municipal contractor bond?
Plano's contractor registration and permit rules are administered by Plano Building Inspections. Bond amounts and registration requirements vary by trade — general contractors, electrical, plumbing, mechanical, and irrigation trades have separate registration paths. We confirm the current bond amount and form with Plano Building Inspections at the time you apply, rather than publishing a stale number. Call us at (281) 484-8320 and tell us the trade and the permit you're pulling and we'll quote the exact bond Plano requires for your registration.
Where do I file Plano contractor or trade bonds?
Plano Building Inspections, located in the City of Plano Municipal Building on the Plano Civic Center campus, 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. Plano-specific bonding stacks on top of the TDLR license for City-issued permits.
I am a Plano auto dealer — what bond do I need?
The $50,000 Texas Auto Dealer Bond, issued by the Texas Department of Motor Vehicles. It's a statewide bond with a 2-year term — the amount, term, and obligee are identical for a Plano dealer, a Frisco 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.
I bought a used vehicle in Plano 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. Plano residents file through Collin County — the Collin County Tax Office accepts the bond and Form VTR-130-SOF. We are TxDMV bonded-title specialists and write the bond in about ten minutes.
I am a Plano freight broker — which bond do I file?
The $75,000 federal BMC-84 freight broker bond, required by the Federal Motor Carrier Safety Administration (FMCSA). It's federal, not state — the same bond covers Plano, Houston, 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.
Are you a Plano 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 Plano and broader Collin County bonds daily and deliver bonds electronically or by overnight courier as the obligee requires. From our Houston office, serving Plano statewide.
Where to file
Plano permitting agencies.
Plano Building Inspections
Contractor registration · Trade permit submissions
City of Plano Municipal BuildingPlano Civic Center campus
Plano, TX plano.gov →
Collin County Tax Office
Bonded title filings · TxDMV submissions
Collin CountyPlano-area branches collincountytx.gov →
Other Texas metros we serve
From Houston, statewide.
We also write bonds for businesses in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso, Arlington, Lubbock, and Corpus Christi — and Texas businesses statewide.
Plano bonds, same day
Get your Plano bond today.
40+ years writing Texas bonds. Plano-ready forms. TX License #5595.