Share Rates
Loan Rates

Loan Rates

Rates effective October 3, 2022, at 7:30 am ET
Rates are subject to change.

 

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 3.24% 3.24% $29.19
4 years 3.49% 3.49% $22.35
5 years 3.74% 3.74% $18.30
6 years 4.24% 4.24% $15.76
Used Auto**
2014-2022 model years
3 years (2014-2022) 3.24% 3.24% $29.19
4 years (2014-2022) 3.49% 3.49% $22.35
5 years (2016-2022) 3.74% 3.74% $18.30
6 years (2018-2022) 4.24% 4.24% $15.76
Older Auto**
2002-2013 model years
Up to 4 years 7.49% 7.49% $24.18
New & Used Motorcycles**
2014-2022 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 6.74% 6.74% $16.93
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Purchase/First Mortgage
Name
For Loan Options, Rates, and Terms - visit our Purchase/First Mortgage Center

Refinance Mortgage
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years** 4.25% 4.61% $18.53
5 years*** 3.75% 4.73% $18.30
10 years** 5.00% 5.19% $10.61
10 years*** 4.50% 5.02% $10.36
15 years** 5.15% 5.29% $7.99
15 years*** 4.65% 5.02% $7.73
20 years** 5.90% 6.01% $7.11
20 years*** 5.40% 5.70% $6.82
30 years** 6.15% 6.24% $6.09
30 years*** 5.65% 5.87% $5.77

* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $875 processing fee. 

*** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. 


Home Equity
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Variable Rate Home Equity Line of Credit
Prime rate minus 1/2%: floor of 4% & cap of 18% 5.75% 5.75% $10.98 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 3.87% 3.87% $18.37
7 years 4.49% 4.49% $13.90
10 years 4.74% 4.74% $10.49
15 years 5.00% 5.00% $7.91
20 years 5.49% 5.49% $6.88

* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.
** Texas residents call Credit Union for APRs and fees.

 


Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Secured
Shares or Share Certificates, Non IRA Shares
Up to 5 years 3.25% 3.25% $18.08
Unsecured
2 years 5.99% 5.99% $44.31
5 years 7.99% 7.99% $20.27
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 9.25% 9.25% Minimum payment of $30 or 3% of balance
* APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open.

Mastercard®
Card TypeRateAPR*Minimum Payment
Mastercard Plus 11.90% 11.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

 

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