Loan Rates
Rates effective September 1, 2021, at 7:30 am ET
Rates are subject to change.
Vehicles
| Term | Rate | APR* | 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
| Term | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Refinance Mortgage | |||
| 5 years** | 2.62% | 2.98% | $17.80 |
| 5 years*** | 2.12% | 3.09% | $17.58 |
| 10 years** | 2.85% | 3.03% | $9.66 |
| 10 years*** | 2.35% | 2.85% | $9.36 |
| 15 years** | 3.00% | 3.13% | $6.91 |
| 15 years*** | 2.50% | 2.84% | $6.67 |
| 20 years** | 3.17% | 3.27% | $5.63 |
| 20 years*** | 2.67% | 2.93% | $5.38 |
* APR = Annual Percentage Rate. *** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. Texas residents call Credit Union for APRs and fees. | |||
Home Equity
| Account Type | Rate | APR* | 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 | 2.99% | 2.99% | $17.96 |
| 7 years | 3.49% | 3.49% | $13.44 |
| 10 years | 3.74% | 3.74% | $10.00 |
| 15 years | 4.00% | 4.00% | $7.40 |
| 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.
| |||
Secured & Unsecured
| Account Type | Rate | APR* | 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 Type | Rate | APR* | 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 Type | Rate | APR* | Minimum Payment |
|---|---|---|---|
| Mastercard Plus | 11.90% | 11.90% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. | |||