Loan Rates

Rates are subject to change.

Vehicle Loans

Type of Loan	Term	APR* as low as
New/Used Automobile	Up to 48 Months	5.45%
	Up to 60 Months	5.70%
	Up to 72 Months	5.95%
	Up to 84 Months	6.20%

Personal Loans

Type of Loan	Term	APR* as low as
Signature Loans	Up to 60 Months	10.99%
Share Secured (100%)	Up to 60 Months	1.50% above dividend rate
Certificate Secured	Up to the term of the Share Certificate	3% greater than the face rate of the Term Share Certificate/dividend rate
Checking Line of Credit Overdraft	Revolving	8.50%
InstaCash	Up to 12 Months	28.00% (+$20.00 application fee)
WeCare	Up to 24 Months	28.00% (+$20.00 application fee)

Home Equity Loans

Type of Loan	Term	APR* as low as
1st Lien Home Equity	120-180 Months	7.12%
1st Lien Home Equity	181-240 Months	7.87%
2nd Lien Home Equity	120-180 Months	7.99%
2nd Lien Home Equity	181-240 Months	8.99%

Credit Cards

Type of Card	APR*
Classic	15.99%
Gold	12.99%
Secured	10.99%

*APR = Annual Percentage Rate. Loan rates shown depend on your credit history and the term of the loan. Not all members will qualify for the rates shown. Credit subject to approval. Other restrictions may apply. Home Improvement and Home Equity Loans are available for Texas property only. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For Home Equity loans, the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax-deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

**Visa Credit Card rates are based on your creditworthiness. Credit is subject to approval. Membership is required.

***Rates may vary based on the year and model.

Rates are current as of January 14, 2025, unless otherwise noted and are subject to change.

View Savings Rates