Share Rates
Loan Rates

Loan Rates

Rates effective January 3, 2023, at 7:30 am ET
Rates are subject to change.

 

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 3.990% 3.990% $29.52
4 years 4.240% 4.240% $22.69
5 years 4.490% 4.490% $18.64
6 years 4.740% 4.740% $15.99
Used Auto**
2015-2023 model years
3 years (2015-2023) 3.990% 3.990% $29.52
4 years (2015-2023) 4.240% 4.240% $22.69
5 years (2017-2023) 4.490% 4.490% $18.64
6 years (2019-2023) 4.740% 4.740% $15.99
Older Auto**
2003-2014 model years
Up to 4 years 7.740% 7.740% $24.29
New & Used Motorcycles**
2015-2023 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 6.740% 6.740% $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** 5.250% 5.610% $18.99
5 years*** 4.750% 5.740% $18.76
10 years** 6.000% 6.200% $11.10
10 years*** 5.500% 6.030% $10.85
15 years** 6.000% 6.142% $8.44
15 years*** 5.500% 5.876% $8.17
20 years** 6.400% 6.515% $7.40
20 years*** 5.900% 6.203% $7.11
30 years** 6.400% 6.489% $6.26
30 years*** 5.900% 6.128% $5.93

* 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% 7.000% 7.000% $11.61 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 4.120% 4.120% $18.47
7 years 4.740% 4.740% $14.01
10 years 4.990% 4.990% $10.60
15 years 5.250% 5.250% $8.04
20 years 5.740% 5.740% $7.02

* 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 5.000% 5.000% $18.87
Unsecured
2 years 7.990% 7.990% $45.23
5 years 8.990% 8.990% $20.75
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 10.500% 10.500% 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 11.900% 11.900% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

 

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