Share Rates
Loan Rates

Loan Rates

Rates effective May 2, 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 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**
2014-2022 model years
3 years (2014-2022) 1.99% 1.99% $28.64
4 years (2014-2022) 2.24% 2.24% $21.81
5 years (2016-2022) 2.49% 2.49% $17.75
6 years (2018-2022) 2.99% 2.99% $15.20
Older Auto**
2002-2013 model years
Up to 4 years 6.24% 6.24% $23.60
New & Used Motorcycles**
2014-2022 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.

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** 3.12% 3.48% $18.03
5 years*** 2.62% 3.59% $17.81
10 years** 3.85% 4.04% $10.06
10 years*** 3.35% 3.86% $9.83
15 years** 4.00% 4.13% $7.40
15 years*** 3.50% 3.85% $7.16
20 years** 4.17% 4.27% $6.16
20 years*** 3.67% 3.94% $5.89
30 years** 4.30% 4.37% $4.96
30 years*** 3.80% 4.00% $4.67

* 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% 4.00% 4.00% $10.13 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 3.49% 3.49% $18.19
7 years 3.99% 3.99% $13.67
10 years 4.24% 4.24% $10.25
15 years 4.50% 4.50% $6.33
20 years 4.99% 4.99% $6.59

* 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 3.05% 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 6.50% 6.50% 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 11.90% 11.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

 

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