Loan Rates

Rates are subject to change.

Vehicle Loans

Type of Loan	Term	APR* as low as
New/Used Automobile	36 Months	4.89%
	48 Months	5.09%
	60 Months	5.09%
	72 Months	5.29%
	84 Months	5.99%

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	11.40%

Home Equity Loans

Loan Term	Loan Amount	Rate as low as	APR¹ as low as
0-60 Months	$10,000 to $100,000	5.790%	5.873%
0-60 Months	$100,000 or more	5.790%	5.832%
61-120 Months	$15,000 to $100,000	6.120%	6.164%
61-120 Months	$100,000 or more	6.120%	6.142%
121-180 Months	$20,000 to $100,000	6.370%	6.402%
121-180 Months	$100,000 or more	6.270%	6.286%
181-240 Months	$25,000 to $100,000	6.660%	6.686%
181-240 Months	$100,000 or more	6.660%	6.673%

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 7th, 2026, unless otherwise noted and are subject to change.

1. Annual Percentage Rate (APR). Lowest rate currently available as of 02/02/2026. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 30 years available on first lien home equity loans. Home Equity loans are limited to 80% of the home’s fair market value less the balances of any outstanding liens. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral.

This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z.

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