Share Rates
Loan Rates

Loan Rates

Rates effective November 1, 2019, at 8:00 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 2.74% 2.74% $22.03
5 years 2.99% 2.99% $17.97
6 years 3.49% 3.49% $15.42
Used Auto**
2011-2019 model years
3 years 1.99% 1.99% $28.64
4 years 2.74% 2.74% $22.03
5 years (2013-2019) 2.99% 2.99% $17.97
6 years (2015-2019) 3.49% 3.49% $15.42
Older Auto**
1999-2010 model years
Up to 4 years 6.24% 6.24% $23.60
New & Used Motorcycles**
2011-2019 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
10 years 2.85% 3.00% $9.66
15 years 3.00% 3.10% $6.91
20 years 3.17% 3.25% $5.63
* 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.

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% 4.25% 4.25% $10.24 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.

Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate+
Secured
Shares or Share Certificates, Non IRA Shares
Up to 5 years 3.30% 3.30% $18.10
Unsecured
2 years 5.99% 5.99% $44.32
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 7.75% 7.75% 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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