Rates

ACCOUNT RATES

Share Savings (Minimum earning balance $100.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.05%
$5,000.00 to $24,999.99Monthly0.05%
$25,000.00 to $49,999.99Monthly0.10%
$50,000.00 and upMonthly0.15%

Additional Savings (Minimum earning balance $100.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.05%
$5,000.00 to $24,999.99Monthly0.05%
$25,000.00 to $49,999.99Monthly0.10%
$50,000.00 and upMonthly0.15%

Summer Pay (Minimum earning balance $10.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.05%

Deposit Savings (Minimum earning balance $25.00)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.05%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021 which are subject to change without notice.

$mart Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$1,000 and upMonthly0.10%
Bonus $0 to $10,000Monthly1.00%

Interest Checking, Golden Apple Checking, Red Apple Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$900.00 to $2,499.99Monthly0.05%
$2,500.00 and upMonthly 0.05%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021 which are subject to change without notice.

Certificates of Deposit (Minimum Earning Balance $5,000.00)

TermPayment FrequencyAnnual Percentage Yield
6 MonthAt Maturity0.50%
12 MonthAt Maturity0.60%
24 Month
At Maturity0.85%
36 MonthAt Maturity1.00%
60 MonthAt Maturity1.00%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021 which are subject to change without notice. (Early withdrawal penalties may apply.)
Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0.00 and upMonthly0.05%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021 which are subject to change without notice. (Early withdrawal penalties may apply.)
Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000 and upMonthly1.00%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021, which are subject to change without notice. (Early withdrawal penalties may apply.)
Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000.00 and upMonthly1.00%
*Prospective Rates and Annual Percentage Yields, effective as of December 3, 2021.

Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $2,499.99Monthly0.00%
$2,500.00 to $24,999.99Monthly0.15%
$25,000.00 to $49,999.99Monthly0.25%
$50,000.00 to $99,999.99Monthly0.35%
$100,000.00 and upMonthly0.45%

Super Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $2,499.99Monthly0.00%
$2,500.00 to $24,999.99
Monthly0.15%
$25,000.00 to $49,999.99Monthly0.25%
$50,000.00 to $99,999.99Monthly0.35%
$100,000.00 to $149,999.99Monthly0.45%
$150,000.00 to $159,999.99Monthly0.45%
$160,000.00 and upMonthly0.45%
*Prospective Rates and Annual Percentage Yields, effective as of  December 3, 2021 which are subject to change without notice.

LOAN RATES

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
New/Used 2021 to 2017 Year Models,
Up to 60 months1.99%0.005452%
61-72 months1.99%0.005452%
73-84 months2.99%0.008192%

UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Used 2016 to 2012 Year Old ModelsUp to 60 months1.99%0.005452%
Used 2011 to 2006Up to 48 months4.24%0.011616%
Used 2011 to 2006Up to 60 months5.35%0.014658%
*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of December 3, 2021 which are subject to change without notice.

Mortgage

Mortgage Term***Rate**Daily Periodic Rate
10 Year Fixed Rate2.750%0.007534%
15 Year Fixed Rate3.000%0.008219%
20 Year Fixed Rate3.125%0.008562%
30 Year Fixed Rate3.375%0.009247.%

Home Equity

Home Equity Term***Rate**Annual Percentage Rate As Low As* 
10 Year Fixed Rate2.750%2.750%
15 Year Fixed Rate3.000%3.000%
20 Year Fixed Rate3.125%3.125%
30 Year Fixed Rate3.250%3.250%

Home Equity Line Of Credit

Home Equity Line of Credit***TermAnnual Percentage Rate As Low As*Daily Periodic Rate
Min. $8,000.00 -3.20%0.008767%

Home Improvement

SecuredTermAnnual Percentage Rate As Low As*Daily Periodic Rate
Secured Home Improvement Loan0-120 months6.000%0.016438%
Secured Home Improvement Loan121-1806.000%0.016438%
Secured Home Improvement Loan181-240 months6.000%0.016781%
Secured Home Improvement Loans are only available to Texas residents due to Federal regulations.
UnsecuredTermAnnual Percentage Rate As Low As*Daily Periodic Rate
Unsecured Home Improvement0-120 Months8.250%0.022603%
Unsecured Home Improvement121-2408.250%0.022603%
*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of December 2, 2021 which are subject to change without notice.
**Rate quoted is our best rate.  Rates may vary based on credit and are subject to change without notice.  The above mentioned conforming fixed rate loans, loans are based off a loan amount of $150,000 with a qualifying credit score of 736 plus fees associated to include .50% origination and/or discount.
***Mortgage LTV(loan to value) 95% or less. Home Equity & Home Equity LOC LTV(loan to value) 80% or less. 20-Year maximum term
This is not an advertisement to extend consumer credit, nor is it an offer to enter into an interest rate or discount point agreement.  Prices are subject to change without notice.  Please contact one of our mortgage originators for specific information.  All loans must be approved prior to locking.
We do business in accordance with Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO:
  • Deny a loan for the propose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling: or
  • discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or an appraising property.
UNDER THE EQUAL CREDIT OPPORTUNITY ACT IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
  • On the basis of race, color national origin, religion, sex, marital status, or age;
  • because income is from public assistance; or because a right was exercised under the Consumer Credit Protection Act

25-day grace period on all Visa accounts. Minimum monthly payment equal to 3% of balance or $18, whichever is greater. ATM cash advance on PIN number.

VISA Platinum Cash RewardsAnnual Percentage RateDaily Periodic Rate
Standard Rate Purchases7.24% to 17.75%.047233% to .048630%
Late Fee - If a payment is 10 days or more past due, you wil be charged a Late Payment Fee of $25.00
Return Check Fee - $24.00
*Stated Annual Percentage Rates are with approved credit, effective as of December 3, 2021, which are subject to change without notice.

New vehicles costing $30,000 or more may be financed up to 84 months with approved credit.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2021 to 2017 Year ModelsUp to 60 months2.99%0.008192%
61-72 months3.24%0.008877%
73-84 months4.19%0.011479%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2016 to 2012 Year ModelsUp to 60 months3.74%0.010247%
2016 to 2012 Year Models61-72 months4.69%0.012849%
Used 2011 to 2006Up to 48 months5.44%0.014904%
Used 2011 to 200649-60 months6.39%0.017507%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of December 3, 2021 which are subject to change without notice.

Rate is Variable adjusted quarterly.

Extra Credit LOCTermAnnual Percentage Rate As Low AsDaily Periodic Rate
UnsecuredUp to 60
months
7.75%.021233%
Personal Loans, Household Goods,
Electronic, Cosmetic, Lasik, Wedding, Vacation
TermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured Up to 72 months7.50%.020548%
New Teacher LoanTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured1-36 months5.50%0.015068%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of December 3, 2021 which are subject to change without notice.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2021 to 2017 Year ModelsUp to 60 Months3.99%0.010932%
61-84 Months5.84%0.016000%
Only Motorhomes, Travel Trailers & 5th Wheels85-120 Months6.39%0.017507%
Only Motorhomes, Travel Trailers & 5th Wheels121-180 Months7.19%0.019699%
Only Motorhomes, Travel Trailers & 5th Wheels181-240 Months7.39%0.020247%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2016 to 2012 Year Old ModelsUp to 60 Months4.64%0.012712%
61-84 Months6.49%0.017781%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months7.04%0.019288%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months7.84%0.024179%
Used 2011 to 2006Up to 60 Months5.89%0.016137%
61-84 Months7.74%0.021205%
Only Motorhomes, Travel Trailers, & 5th Wheels85-120 Months8.29%0.022712%
Only Motorhomes, Travel Trailers, & 5th Wheels121-180 Months9.09%0.024904%
*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of December 3, 2021. Rates, terms and conditions are subject to change without notice.

Contact the credit union to check daily rates. Contact our Mortgage Department by email or call 806.358.7777 X473 to apply for a first mortgage purchase or refinance.