Rates & Fees

 

Consumer Loan Rates

TypeRate
New or Used Autos (36 months or less) - New Money Only 3.25% - 13.25% APR
New or Used Autos (60 months or less) - New Money Only 3.50% - 13.50% APR
New or Used Autos (72 months or less) - New Money Only 3.75% - 13.75% APR
New Autos (84 months or less) 4.75% - 14.75% APR
Older Used Autos (72 months or less) 3.50% - 13.50% APR
Classic Used Autos (72 months or less) 8.50% - 18.00% APR
Line of Credit
*No minimum finance charge.
*Rate is not variable.
*No annual fee.		 10.50% - 18.00% APR
PSL (up to 72 months) 11.50% - 18.00% APR
Savings Secured (up to 120 months) savings rate plus 2.50%
Furniture & Appliance (60 months or less) 7.00% - 17.00% APR
Boats (60 months or less) 4.00% - 14.00% APR
Boats (72 months or less) 4.50% - 14.50% APR
Boats (84 months or less) 5.00% - 15.00% APR
Boats (120 months or less) 6.25% - 16.25% APR
Motorcycles/Four Wheelers (60 months or less) 4.00% - 14.00% APR
Motorcycles (72 months or less) 4.50% - 14.50% APR
Vacation (12 months up to $1,500) 11.50% - 18.00% APR
Student Loans (up to 48 months) 7.00% - 15.00% APR
Stock (up to 60 months) 6.75% - 16.75% APR
Certificate Secured certificate rate plus 2.50%
Tractors (84 months or less) 5.00% - 15.00% APR
Stock Trailers (84 months or less) 5.00% - 15.00% APR
RVs (60 months or less) 5.00% - 15.00% APR
RVs (72 months or less) 5.50% - 15.50% APR
RVs (84 months or less) 5.75% - 15.75% APR
RVs (120 months or less) 6.25% - 16.25% APR
RVs (144 months or less) 6.50% - 16.50% APR

Standard/Gold/Platinum MasterCard
*No minimum finance charge.
*Rate is not variable.
*No annual fee.

8.90% - 14.90% APR

APR indicates annual percentage rate. Monthly payment amount approximately $18.83 on $1,000 for 60 months at 4.90% APR. Loans available to qualified members only.

Rates accurate as of 11/01/2018 and are subject to change at any time without notice. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email.