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Loan Rates

Loan Rates

Rates effective June 1, 2021, at 7:30 am ET
Rates are subject to change.

 

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 1.99% 1.99% $28.64
4 years 2.24% 2.24% $21.81
5 years 2.49% 2.49% $17.75
6 years 2.99% 2.99% $15.20
Used Auto**
2013-2021 model years
3 years (2013-2021) 1.99% 1.99% $28.64
4 years (2013-2021) 2.24% 2.24% $21.81
5 years (2015-2021) 2.49% 2.49% $17.75
6 years (2017-2021) 2.99% 2.99% $15.20
Older Auto**
2001-2012 model years
Up to 4 years 6.24% 6.24% $23.60
New & Used Motorcycles**
2013-2021 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 5.49% 5.49% $16.33
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Refinance Mortgage
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years** 2.62% 2.90% $17.80
5 years*** 2.12% 3.02% $17.58
10 years** 2.85% 3.00% $9.66
10 years*** 2.35% 2.81% $9.36
15 years** 3.00% 3.10% $6.91
15 years*** 2.50% 2.82% $6.67
20 years** 3.17% 3.25% $5.63
20 years*** 2.67% 2.92% $5.38

* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $700 processing fee. Texas residents call Credit Union for APRs and fees.

*** Refinance Mortgage APR based on $100,000 mortgage & includes $2,200 processing fee. Texas residents call Credit Union for APRs and fees.


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% 4.00% 4.00% $10.13 with a minimum of $100 per month

Promotional Rate 4/1/21-6/30/21***

 

1.99% 1.99% $10.13 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 3.85% 3.85% $18.35
7 years 3.99% 3.99% $13.66
10 years 4.24% 4.24% $10.24
15 years 4.50% 4.50% $7.65
20 years 5.49% 5.49% $6.87

* 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.

***APR = Annual Percentage Rate. HELOC advances made between April 1 and June 30, 2021, will qualify for the Spring Promotional Rate of 1.99% APR, valid through June 30, 2023. Payments will be applied toward the interest first and then to the promotional balance. On July 1, 2023, your rate will revert back to the variable rate based on prime with a floor rate of 4.00%. Promotion is available to existing HELOCs. Please review our list of eligible states for Real Estate Secured Loan products. This loan can only be secured by your primary residence or second home.


Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Secured
Shares or Share Certificates, Non IRA Shares
Up to 5 years 3.05% 3.05% $17.99
Unsecured
2 years 3.99% 3.99% $43.43
5 years 5.99% 5.99% $19.33
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 6.25% 6.25% Minimum payment of $15 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 8.90% 8.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

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