RATES
All Rates
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Vehicle Loans
Vehicle Loans
Type Auto Loan Rates: New
Term APR* as low as up to 66 months 2.79% 67 to 72 months 3.24% 73 to 84 months 4.65% * APR = Annual Percentage Rate as of June 7, 2018 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Rates above include maximum member rewards discount. All loans subject to credit approval. Membership eligibility required.
- Member Rewards: Maximum rate reduction is .50% basis points.
- New Vehicles
Type Auto Loan Rates: Used
Model Year Term APR* as low as current + 1 year up to 66 months 3.20% current + 1 year 67 to 72 months 3.43% current + 1 year 73 to 84 months 5.04% 2 to 4 years up to 66 months 3.30% 2 to 4 years 67 to 72 months 3.58% 5 to 7 years up to 48 months 3.50% 5 to 7 years 49 to 60 months 3.88% 8 to 10 years up to 48 months 3.70% 8 to 10 years 49 to 54 months 4.13% * APR = Annual Percentage Rate as of July 18, 2018 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Rates above include maximum member rewards discount. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required.
- Member Rewards: Maximum rate reduction is .50% basis points.
- Used/Refinance
Type Motorcycle Loan Rates
Term APR* as low as 36 months 4.50% 48 months 5.00% 60 months 5.50% * APR = Annual Percentage Rate as of October 1, 2017 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Rates above include maximum member rewards discount. All loans subject to credit approval. Membership eligibility required.
- Member Rewards: Maximum rate reduction is .50% basis points.
- New Vehicles
Type Boat Loan Rates
Term APR* as low as 60 months 4.50% 72 months 5.00% 84 months 5.50% * APR = Annual Percentage Rate as of October 1, 2017 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Rates above include maximum member rewards discount. All loans subject to credit approval. Membership eligibility required.
- Member Rewards: Maximum rate reduction is .50% basis points.
- New Vehicles
Type RV Loan Rates
Term APR* as low as 60 months 4.50% 84 months 5.50% 96 months 6.00% 120 months 6.00% 144 months 6.00% * APR = Annual Percentage Rate as of October 1, 2017 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the vehicle, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Rates above include maximum member rewards discount. All loans subject to credit approval. Membership eligibility required.
- Member Rewards: Maximum rate reduction is .50% basis points.
- New Vehicles
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Personal Loans
Personal Loans
Type Personal Loan Rates
Term APR* as low as 12 months 8.50% 24 months 8.50% 36 months 8.50% 48 months 9.00% 60 months 9.50% *APR = Annual Percentage Rate as of April 16, 2018, subject to change at any time without notice. APR based on evaluation of applicant’s credit. Your actual APR may vary.
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Mortgages
Mortgages
Type Mortgage Loan Rates
Term Rate APR* Payment Amount (P&I) 10 Year Fixed Conventional 3.875% 4.342% $1,207.83 15 Year Fixed Conventional 4.00% 4.326% $887.63 20 Year Fixed Conventional 4.50% 4.752% $759.18 30 Year Fixed Conventional 4.625% 4.811% $616.97 30 Year Fixed VA 1 4.625% 4.935% $630.23 * APR = Annual Percentage Rate
Mortgage services offered in partnership with SWBC Mortgage Corporation.
Loans are subject to credit and property approval. Certain restrictions and conditions apply. Programs and guidelines subject to change without notice.
All rates are subject to change daily, without notice. Rates listed are valid as of 9-5-18 and are available for properties located in Texas.
The above rates contain a 1% origination fee for conventional loans.
Membership eligibility required. Payment examples based on a $120,000 loan amount with an 80% LTV and 740 FICO score required. Estimated payment does not include taxes and insurance premiums, actual payment may be greater.
For mortgage rate inquiries specific to your situation please complete this form.
Please call 512.595.6437 or 800.460.6990 to know more about VA rates.
1 The rate and APR are subject to their Branch of Service and the Funding Fee Status.
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Checking/Savings
Checking/Savings
Type Share Draft Account
Account Minimum Balance Dividend Rates APY* Advantage Checking1 See footnote 0.05% 0.05% Plus Checking2 See footnote 0.05% 0.05% Elite Checking3 $0.00 – $9,999.99 0.05% 0.05% $10,000.00 – $24,999.99 0.35% 0.05% – 0.23% $25,000.00 – $49,999.99 0.50% 0.23% – 0.37% $50,000.00 – $99,999.99 0.70% 0.37% – 0.53% $100,000.00 – $249,999.99 0.90% 0.53% – 0.75% $250,000.00 – $500,000.00 1.10% 0.75% – 0.93% $500,000.01 and greater 0.00% 0.93% and less * APY = Annual Percentage Yield as of June 1, 2018
1 Advantage Checking = There is a $4.00 monthly fee associated with this account. This account provides access to Courtesy Pay Overdraft Protection, subject to qualification with a maximum tolerance of $500 and Cash Rewards – a separate enrollment is required. This account provides one standard order of Credit Union design checks per calendar year. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived.
2 Plus Checking = There is a $5.00 monthly fee associated with this account. This account provides access to Courtesy Pay Overdraft Protection, subject to qualification with a maximum tolerance of $750 and Cash Rewards – a separate enrollment is required. This account provides two standard orders of Credit Union design checks per calendar year plus when this account is accessed at an ATM that is not affiliated with our affiliated ATM Network(s) we will not charge a fee, however the owner of the machine may charge a surcharge for using their machine. Maintaining a minimum balance in the account of $750 during the calendar month will result in the monthly fee being waived.
3 Elite Checking = There is a $6.00 monthly fee associated with this account. This account provides access to Courtesy Pay Overdraft Protection, subject to qualification with a maximum tolerance of $1,000 and Cash Rewards – a separate enrollment is required. This account provides three standard orders of Credit Union design checks per calendar year. When this account is accessed at an ATM that is not affiliated with our affiliated ATM Network(s) we will not charge a fee, however the owner of the machine may charge a surcharge for using their machine. Using the automated transfer overdraft option from either an affiliated share account or line of credit will not be charged transaction fees. Purchasing VISA Gift Cards from us using this account will result in no fee being assessed for the Gift Card Purchase. Beginning May 1, 2018, this account will offer tiered high-yield dividend rates. Dividends cease to earn on balances greater than $500,000.00. Maintaining a minimum balance in the account of $50,000 during the calendar month will result in the monthly fee being waived.
- Dividends are earned by balances within each balance range based on day end balances. For example if your balance at the end of a day was $30,000.00 dividends would earn the rate for that day on $9,999.99 for the dividend rate for that band; the balances of $10,000.00 through $24,999.99 would earn the rate for the balances for that band, and the balance from $25,000 through $30,000.00 would earn the rate for the band $25,000.00 to $49,999.99. As a result, the Annual Percentage Yield (APY) will vary by the balance contained in each band - which results in the APY being displayed as a range which depends on the actual balances within the bands.
Type Savings Rates
Account Minimum Balance Dividend Rates APY* Regular Share Account $5.00 0.100% 0.10% Secondary Share Account $0.00 0.100% 0.10% * APY = Annual Percentage Yield as of June 1, 2018
- Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.
Type IRA Share Account
Account Minimum Balance Dividend Rates APY* IRA Share Account Up to $2,499.99 0.30% 0.30% $2,500.00 – $9,999.99 0.30% 0.30% $10,000.00 – $24,999.99 0.30% 0.30% $25,000.00 – $49,999.99 0.45% 0.45% $50,000.00 – $89,999.99 0.45% 0.45% $90,000.00 – $99,999.99 0.55% 0.55% $100,000.00 and up 0.55% 0.55% * APY = Annual Percentage Yield as of June 1, 2018
- Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.
Type Coverdell Account
Account Minimum Balance Dividend Rates APY* Coverdell Account $5.00 – $25,000.00 0.250% 0.25% $25,000.01 – $50,000.00 0.250% 0.25% $50,000.01 – $100,000.00 0.250% 0.25% $100,000.01 and up 0.250% 0.25% * APY = Annual Percentage Yield as of June 1, 2018
- Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.
Type HSA Share Draft Checking
Account Minimum Balance Dividend Rate APY* HSA Share Draft Checking $0.01 – $2,499.99 0.30% 0.30% $2,500.00 – $9,999.99 0.30% 0.30% $10,000.00 – $24,999.99 0.30% 0.30% $25,000.00 – $49,999.99 0.45% 0.45% $50,000.00 - $89,999.99 0.45% 0.45% $90,000.00 - $99,999.99 0.55% 0.55% $100,000.00 and up 0.55% 0.55% * APY = Annual Percentage Yield as of June 1, 2018
- Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.
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Money Market
Money Market
Type Money Market Rates
Account Minimum Balance Dividend Rates APY* Money Market Account Up to $2,500.00 0.050% 0.05% $2,500.01 – $25,000.00 0.250% 0.25% $25,000.01 – $50,000.00 0.250% 0.25% $50,000.01 – $100,000.00 0.250% 0.25% $100,000.00 and up 0.250% 0.25% * APY = Annual Percentage Yield as of June 1, 2018
- Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required. Minimum $250 daily balance required to avoid $10.00 monthly service fee.
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Share Certificates
Share Certificates
Type Share Certificate and IRA Certificate Rates
Term Minimum Balance: $1,000 $2,500 $12,500 $25,000 $100,000 6 Months1 Dividend Rates 1.732% 1.732% 1.732% 1.732% 1.732% APY 1.75% 1.75% 1.75% 1.75% 1.75% 1 Year Dividend Rates 2.272% 2.272% 2.272% 2.272% 2.272% APY 2.30% 2.30% 2.30% 2.30% 2.30% 2 Years Dividend Rates 2.516% 2.516% 2.516% 2.516% 2.516% APY 2.55% 2.55% 2.55% 2.55% 2.55% 3 Years Dividend Rates 2.565% 2.565% 2.565% 2.565% 2.565% APY 2.60% 2.60% 2.60% 2.60% 2.60% 5 Years Dividend Rates N/A 2.858% 2.858% 2.858% 2.858% APY 2.90% 2.90% 2.90% 2.90% 7 Years Dividend Rates N/A 3.150% 3.150% 3.150% 3.150% APY 3.20% 3.20% 3.20% 3.20% • The preceding rates are effective on Sept. 17, 2018, and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210.673.5610 or 800.227.5328.
• APY = Annual Percentage Yield
• Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Fees: Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Other restrictions may apply.
1 N/A for IRA Certificates
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Credit Cards
Credit Cards
Type Visa® Platinum Credit Card Rates
APR* Visa Platinum Card 9.50% * APR = Annual Percentage Rate. APR for purchases is 9.50% to 16.50% when you open your account, based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.
- Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance or b) $10.
Type Redi-Credit Line of Credit Rates
Variable APR* as low as Line of Credit 11.50% * APR = Annual Percentage Rate effective on June 1, 2018 subject to change at any time without notice. APR based on evaluation of applicant’s credit. Your actual APR may vary.
- Minimum monthly payment due is equal to the greater of a) 3% of the outstanding balance or b) $10.
- The interest rate floor is 6.75%, plus the Wall Street Journal Prime Rate as published at Bank Rate as of the first day of June and December of each year, which is currently 4.75%.