LOAN RATES
Rates are accurate as of 8/01/2023 and subject to change. Rate may vary based upon credit qualifications. Rates shown below are based on a credit score of 750+ with no discounts applied. Members may qualify for some of our loan discounts to secure an even lower rate.
Select the loan product below to view current rates
Auto Loan
Auto Loan Rates
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 5.24% | Up to 36 months | 0.75% | $30.08 | |
| 5.49% | Up to 48 months | 0.75% | $23.25 | |
| 5.74% | Up to 60 months | 0.75% | $19.21 | |
| 6.49% | Up to 72 months | $15,000 and up | 0.75% | $16.81 |
| 6.99% | Up to 84 months | $25,000 and up | 0.75% | $15.09 |
| *APR = Annual Percentage Rate. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount. To view loan discounts available, click here. | ||||
Credit Card
Credit Card Rates
| Card Type | Base APR* | APR* Range |
|---|---|---|
| VISA Classic | 12.24% | 8.99% – 18.00% |
| VISA Rewards | 13.24% | 9.99% – 18.00% |
| Texas Educators Rewards | 10.24% | 6.99% – 16.99% |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. To view full credit card disclosures, click here. | ||
Personal Loan
Personal Loan Rates
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 11.24% | Up to 48 months | 0.50% | $25.96 |
| 12.74% | Up to 84 months | 0.50% | $18.05 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans. To view loan discounts available, click here. | |||
Boat Loan
Boat Loan Rates
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 7.74% | Up to 60 months | 0.75% | $20.15 | |
| 8.99% | Up to 84 months | $25,000 and up | 0.75% | $16.08 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans. To view loan discounts available, click here. | ||||
Motorcycle Loan
Motorcycle Loan Rates
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 7.74% | Up to 60 months | 0.75% | $20.15 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. To view loan discounts available, click here. | |||
RV/Travel Trailer Loan
RV/Travel Trailer Loan Rates
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 7.74% | Up to 60 months | 0.75% | $20.15 | |
| 8.99% | Up to 84 months | $25,000 and up | 0.75% | $16.08 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. To view loan discounts available, click here. | ||||
Title Loan
Title Loan Rates
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 5.24% | Up to 36 months | 0.75% | $30.08 | |
| 5.49% | Up to 48 months | 0.75% | $23.25 | |
| 5.74% | Up to 60 months | 0.75% | $19.21 | |
| 6.49% | Up to 72 months | $15,000 and up | 0.75% | $16.81 |
| 6.99% | Up to 84 months | $25,000 and up | 0.75% | $15.09 |
| *APR = Annual Percentage Rate. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount. To view loan discounts available, click here. | ||||
Educator Loan
Educator Loan Rates
| Loan Type | Starting APR* | Term | Loan Amount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| Classroom Supplies | 8.99% | Up to 12 months | Up to $1,000 | $87.45 |
| Professional Development | 8.99% | Up to 60 months | Up to $10,000 | $20.75 |
| Alternative Teaching Certification | 8.99% | Up to 60 months | $20.75 | |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Educator Loans are only available to current school district employees. Member must present valid work contract, paycheck stub, or other proof of school district employment at time of loan origination. Members are required to have Direct Deposit and set up automatic payment or scheduled transfer (online banking).. | ||||
Miscellaneous Equipment Loan
Miscellaneous Equipment Loan Rates
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 8.50% | Up to 60 months | 0.50% | $20.52 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and misc. equipment loans To view loan discounts available, click here. | |||
Share Secured Loan
Share Secured Loan Rates
| Starting APR* | Term |
|---|---|
| Term Share Rate + 4.00% | Up to 60 months |
| *APR = Annual Percentage Rate. Share Secured loans are secured by Term Share Certificates. Rate is dependent upon the Term Share Certificate being used to secure the funds. Term is up to maturity date. | |
Credit Saver Loan
Credit Builder Loan Rates
| Starting APR* | Term | Loan Amount |
|---|---|---|
| 12 Month Term Share Rate + 4.00% | 12 months | $1,000 and up |
| 18 Month Term Share Rate + 4.00% | 18 months | $1,500 and up |
| 24 Month Term Share Rate + 4.00% | 24 months | $2,000 and up |
| *APR = Annual Percentage Rate. Rate is dependent upon current term share certificate rates. To view current rates, click here. Rates are subject to change without prior notification. Payment Example: 12 monthly payments of $86.53 for 12 month Credit Builder Loan with Term Share rate of 3.00% dividend rate and loan annual percentage rate of 7.00%. | ||
Mortgage Loan
Our Mortgage loan rates change on a daily basis. Fo today’s rate, please contact our Mortgage Center.
Home Equity Loan
Home Equity Loan Rates
| Starting Interest Rate* – 1st Lien | Term | Payment Example Per $1,000 Borrowed |
|---|---|---|
| 6.49% | Up to 60 months | $19.56 |
| 6.99% | Up to 120 months | $11.61 |
| 7.24% | Up to 180 months | $9.12 |
| 7.49% | Up to 240 months | $8.05 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. For 2nd Lien, add 1.00% to rate. | ||
Land Loan
Land Loan Rates
| Starting Interest Rate* | Term | Payment Example Per $1,000 Borrowed |
|---|---|---|
| 7.99% | Up to 180 months | $20.27 |
| *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Payment example shown above is based on a 60 month term. | ||