¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For new cars, estimated monthly payment per $1,000 borrowed at 2.79% APR for 66 months is $16.37.

- Member Rewards: Maximum rate reduction is .50% basis points.

- New Vehicles

¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For used cars, estimated monthly payment per $1,000 borrowed at 3.20% APR for 66 months is $16.55.

- Member Rewards: Maximum rate reduction is .50% basis points.

- Used/Refinance

¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For motorcycles, estimated monthly payment per $1,000 borrowed at 4.50% APR for 36 months is $29.75.

- Member Rewards: Maximum rate reduction is .50% basis points.

- New Vehicles

¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For boats, estimated monthly payment per $1,000 borrowed at 4.50% APR for 60 months is $18.65.

- Member Rewards: Maximum rate reduction is .50% basis points.

- New Vehicles

¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For RVs, estimated monthly payment per $1,000 borrowed at 4.50% APR for 60 months is $18.65.

- Member Rewards: Maximum rate reduction is .50% basis points.

- New Vehicles

¹ 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.

² Monthly payment is based on payment per $1,000 for term and rate shown above. For personal loans, estimated monthly payment per $1,000 borrowed at 8.50% APR for 12 months is $87.21.

* 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 12-12-18 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

• The preceding rates are effective on October 15, 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

* 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.

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