Interest Rates Certified by Datatrac
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Loan rates effective as of 11/01/2018.
If you have any questions, or to apply for a loan, visit one of our offices, call us at 281-487-9333 or apply online. See all of our loan rates listed below. For mortgage rates, please contact one of our Real Estate Loan Officers.
| LOAN TYPE | BASE APR | APR RANGE | TERM | AVAILABLE DISCOUNTS | OTHER NOTES |
|---|---|---|---|---|---|
| Vehicle | 2.99% | 1.99% - 18.00% | Up to 84 months* | 1,2,3,4 | *$20,000 & above term up to 72 months *$30,000 & above term up to 84 months |
| Credit Card | 8.99% | 8.99% - 18.00% | Revolving | N/A | For Visa Rewards Card add 1.00% to rate - More Details |
| Personal | 9.50% | 9.00% - 18.00% | Up to 60 months | 1,2 | |
| Title | 2.99% | 1.99% - 18.00% | Up to 84 months* | 1,2,3,4 | *$20,000 & above term up to 72 months *$30,000 & above term up to 84 months |
| Boat | 5.50% | 5.00% - 18.00% | Up to 144 months* | 1,2,3,4 | *$15,000 & above term up to 84 months *$25,000 & above term up to 144 months |
| Motorcycle | 5.50% | 5.50% - 18.00% | Up to 60 months | 1,2,3,4 | |
| Travel Trailer / RV | 5.50% | 5.50% - 18.00% | Up to 144 months* | 1,2,3,4 | *$15,000 & above term up to 84 months *$30,000 & above term up to 144 months |
| Miscellaneous Equipment | 7.75% | 7.75% - 17.75% | Up to 60 months | N/A | |
| Share Secured | Term Share Rate + 3.00% | Up to 120 months* | N/A | * loans secured by share certificates, term is up to maturity date | |
| Credit Saver* | Term Share Rate + 3.00% | Up to 24 months** | N/A | *contact credit union for further details **12 months, loan amount $1,000 **18 months, loan amount $1,500 **24 months, loan amount $2,000 |
|
| Mortgage Rates | Visit Mortgage website for today's rates | Visit Mortgage website for today's rates | N/A | *contact credit union for further fees, rules and restrictions | |
| Home Equity* | 4.49% | 4.49% - 14.49% | Up to 240 months** | N/A | *contact credit union for further fees, rules and restrictions **For 61-120 months, add .50% APR **For 121-240 months, add 1.00% APR **For 2nd Lien, add an additional 1.00% |
| Unimproved Land | 6.24% - 15.24% | N/A | Up to 180 months | N/A | |
| Teacher Loan | 1.99% | 1.99% - 9.99% | Up to 60 months | N/A | |
| All rates quoted in Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. | |||||
| DISCOUNT | DESCRIPTION | DISCOUNT |
|---|---|---|
| 1 | Extended Warranty | 0.25% |
| 2 | First Time Borrower/New Membership | 0.25% |
| 3 | Credit Life or Disability Insurance | 0.25% |
| 4 | GAP with PowerBuy | 0.25% |
| Maximum discount is 0.50% | ||
Disclosures: APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum discount is 0.50%. Payment Example: 48 monthly payments of $23.26 per $1,000 borrowed at 5.50% APR. Auto loans may receive a rate of 1.99% APR with a 3 year or less term with maximum discount.