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RATES

All Rates

  • Vehicle Loans

    Vehicle Loans

    Type Auto Loan Rates: New

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    Up to 48 months 1.99% $21.70
    Up to 60 months 2.25% $17.64
    61 to 72 months 2.45% $14.95
    73 to 84 months 3.99% $13.67

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. 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 the maximum term and rate shown above. For new auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for 60 months is $17.64.

    Type Auto Loan Rates: Used

    Rates Effective as of: 10-28-2021
    Model Year Term APR1 as low as Monthly Payment2
    Current to 7 years up to 48 months 1.99% $21.70
    Current to 7 years up to 60 months 2.25% $17.64
    Current to 7 years 61 to 72 months 2.45% $14.95
    Current to 7 years 73 to 84 months 3.99% $13.67
    8 to 10 years up to 36 months 3.95% $29.51
    8 to 10 years up to 48 months 4.38% $22.75

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. 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 the maximum term and rate shown above shown. For used/refinance auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for 60 months is $17.64.

    Type Motorcycle Loan Rates: New

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    Up to 36 months 5.00% $29.97
    37 to 48 months 5.50% $23.26
    49 to 60 months 6.00% $19.34

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the motorcycle, and term. Your APR may vary. 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 the maximum term and rate shown above. For new motorcycles, estimated monthly payment per $1,000 borrowed at 5.00% APR for 36 months is $29.97.

    Type Motorcycle Loan Rates: Used

    Rates Effective as of: 10-28-2021
    Model Year Term APR1 Monthly Payment2
    Current + 3 years up to 36 months 5.00% $29.97
    Current + 3 years 37 to 48 months 5.50% $23.26
    Current + 3 years 49 to 60 months 6.00% $19.34
    4 to 8 years up to 24 months 5.50% $44.10
    4 to 8 years 25 to 36 months 6.00% $30.42
    4 to 8 years 37 to 54 months 6.50% $21.41

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the motorcycle, and term. Your APR may vary. 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 the maximum term and rate shown above. For used motorcycles, estimated monthly payment per $1,000 borrowed at 5.00% APR for 36 months is $29.97.

    Type Boat Loan Rates: New

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    Up to 60 months 5.00% $18.88
    61 to 72 months 5.50% $16.34
    73 to 84 months 6.00% $14.61

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the boat, and term. Your APR may vary. 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 the maximum term and rate shown above. For new boats, estimated monthly payment per $1,000 borrowed at 5.00% APR for 60 months is $18.88.

    Type Boat Loan Rates: Used

    Model Year Term APR1 as low as Monthly Payment2
    Current + 3 years up to 60 months 5.00% $18.88
    Current + 3 years 61 to 72 months 5.50% $16.34
    Current + 3 years 73 to 84 months 6.00% $14.61
    4 to 8 years up to 60 months 6.00% $19.34
    4 to 8 years 61 to 72 months 6.50% $16.81
    4 to 8 years 73 to 84 months 7.00% $15.10

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the boat, and term. Your APR may vary. 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 the maximum term and rate shown above. For used boats, estimated monthly payment per $1,000 borrowed at 5.00% APR for 60 months is $18.88.

    Type RV Loan Rates: New

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    Up to 60 months 5.00% $18.88
    61 to 84 months 6.00% $14.61
    85 to 96 months 6.50% $13.39
    97 to 120 months 6.50% $11.36
    121 to 144 months 7.00% $10.29

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the recreational vehicle, and term. Your APR may vary. 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 the maximum term and rate shown above. For new recreational vehicles, estimated monthly payment per $1,000 borrowed at 5.00% APR for 60 months is $18.88.

    Type RV Loan Rates: Used

    Rates Effective as of: 10-28-2021
    Model Year Term APR1 as low as Monthly Payment2
    Current + 4 years up to 60 months 5.00% $18.88
    Current + 4 years 61 to 84 months 6.25% $14.73
    Current + 4 years 85 to 96 months 6.75% $13.51
    Current + 4 years 97 to 120 months 6.75% $11.49
    Current + 4 years 121 to 144 months 7.25% $10.42
    5 to 10 years up to 60 months 5.50% $19.11
    5 to 10 years 61 to 84 months 6.75% $14.98
    5 to 10 years 85 to 96 years 7.00% $13.64
    5 to 10 years 97 to 120 years 7.25% $11.75

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the recreational vehicle, and term. Your APR may vary. 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 the maximum term and rate shown above. For used recreational vehicles, estimated monthly payment per $1,000 borrowed at 5.00% APR for 60 months is $18.88.

  • Personal Loans

    Personal Loans

    Type Personal Loan Rates

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    12 months 8.50% $87.21
    24 months 8.50% $45.46
    36 months 8.50% $31.57
    48 months 9.00% $24.89
    60 months 9.50% $21.01

    1 APR = Annual Percentage Rate as of the effective date and 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.

    Type Lifestyle Loan

    Rates Effective as of: 10-28-2021
    Term APR1 as low as Monthly Payment2
    Up to 60 months 6.99% $86.52

    1APR=Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit. Your actual APR may vary. Membership eligibility required.

    2 Monthly payment is based on payment per $1,000 for term and rate shown above. For Lifestyle loan, estimated monthly payment per $1,000 borrowed at 6.99% APR for 12 months is $86.52.

  • Mortgages

    Mortgages

    Type Mortgage Loan Rates

    Rates Effective as of: 10-28-2021
    Term Rates APR1 as low as Payment Amount (P&I)
    15 Year Fixed Conventional 2.375% 2.669% $793.11
    20 Year Fixed Conventional 2.875% 3.105% $658.03
    30 Year Fixed Conventional 3.125% 3.289% $514.05
    30 Year Fixed VA 2 3.000% 2.911% $505.92
    30 Year Fixed FHA2 2.750% 3.163% $489.89

    1 APR = Annual Percentage Rate

    Mortgage services offered in partnership with Member Home Loan.

    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 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 832.912.2151 to know more about VA rates.

    2 The rate and APR are subject to their Branch of Service and the Funding Fee Status.

  • Home

    Home

    Type Home Improvement Loan Rates

    Rates Effective as of: 10-28-2021
    Term Rates APR1 as low as Monthly Payment2
    Up to 15 years 4.74% 5.139% $932.78
    Up to 20 years 5.00% 5.316% $791.95

    1 APR= Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing available for properties in Texas or Colorado. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rate based on the loan amount and CLTV (combined loan-to-value) ratio. Rate may differ. Rates and terms are subject to change at any time without notice; other restrictions may apply. Maximum CLTV on primary residences in Colorado up to 100% and 80% in Texas. Borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, and recording fee. Property insurance is required, including flood insurance where required.

    2 Payment examples based on a $120,000 loan amount. Rate assumes a ≤ 90% LTV and a minimum credit score of 700. Estimated payment does not include taxes and insurance premiums, actual payment may be greater.

    Type Home Equity Loan Rates

    Rates Effective as of: 10-28-2021
    Term Rates APR1 as low as Monthly Payment2
    Up to 15 years 4.74% 5.139% $932.78
    Up to 20 years 5.00% 5.316% $791.95

    1 APR= Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing available for properties in Texas or Colorado. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rate based on the loan amount and CLTV (combined loan-to-value) ratio. Rate may differ. Rates and terms are subject to change at any time without notice; other restrictions may apply. Maximum CLTV on primary residences in Colorado up to 100% and 80% in Texas. Borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, and recording fee. Property insurance is required, including flood insurance where required.

    2 Payment examples based on a $120,000 loan amount. Rate assumes a ≤ 90% LTV and a minimum credit score of 700. Estimated payment does not include taxes and insurance premiums, actual payment may be greater.

  • Credit Cards

    Credit Cards

    Type Visa® Platinum Credit Card Rates

    APR*
    Visa Platinum Card 7.75%

    * APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR for purchases is 7.75% to 14.75% 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.

    Click here for full disclosures

  • Checking/Savings

    Checking/Savings

    Type Share Draft Account Rates

    Rates Effective as of: 10-28-2021
    Account Minimum Balance Dividend Rates APY*
    Rewards Checking1 See footnote 0.05% 0.05%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    1 Rewards Checking = There is a $4.00 monthly fee associated with this account. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived. This account provides access to Courtesy Pay Overdraft Protection, subject to qualification with a maximum tolerance of $1000 and Cash Rewards – a separate enrollment is required. This account provides one standard order of Credit Union design checks per calendar year. Limitations: Minimum $25.00 opening balance is required.

    Type Savings Rates

    Rates Effective as of: 10-28-2021
    Account Minimum Balance Dividend Rates APY*
    Regular Share Account $5.00 0.10% 0.10%
    Secondary Share Account $0.00 0.10% 0.10%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    - 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 Rates

    Rates Effective as of: 10-28-2021
    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 the effective date and subject to change at any time without notice.

    - 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 Term Account Rates

    Rates Effective as of: 10-28-2021
    Account Dividend Rate APY*
    Christmas Club 0.10% 0.10%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    • 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.

    • All Christmas Club Accounts have a maturity of October 31 of each year. At maturity, the balance including all deposits and dividends earns are distributed to a Savings or Checking Account designated by the Account Owner. The Account is automatically renewed for the next year. Withdrawals are not permitted. Accounts may be closed prior to maturity with all dividends paid to the date of closure.

  • Share Certificates

    Share Certificates

    Type Share Certificate Rates

    Rates Effective as of: 10-28-2021
    Term Minimum Balance: $1,000 - $99,999.99 $100,000 & Greater
    6 Months Dividend Rates 0.150% 0.150%
    APY 0.15% 0.15%
    1 Year Dividend Rates 0.498% 0.498%
    APY 0.50% 0.50%
    2 Years Dividend Rates 0.548% 0.548%
    APY 0.55% 0.55%
    3 Years Dividend Rates 0.598% 0.598%
    APY 0.60% 0.60%
    5 Years Dividend Rates 0.697% 0.697%
    APY 0.70% 0.70%
    7 Years Dividend Rates 0.895% 0.895%
    APY 0.90% 0.90%

    • The preceding rates are of the effective date 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. Limitations: Minimum $1,000 opening balance is required. Other restrictions may apply.

    Type IRA Share Certificate Rates

    Rates Effective as of: 10-28-2021
    Term Minimum Balance: $1,000.00 - $99,999.99 $100,000 & Greater
    1 Year Dividend Rates 0.498% 0.498%
    APY 0.50% 0.50%
    2 Years Dividend Rates 0.548% 0.548%
    APY 0.55% 0.55%
    3 Years Dividend Rates 0.598% 0.598%
    APY 0.60% 0.60%
    5 Years Dividend Rates 0.697% 0.697%
    APY 0.70% 0.70%
    7 Years Dividend Rates 0.895% 0.895%
    APY 0.90% 0.90%

    -The preceding rates are of the effective date 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. Limitations: Minimum $1,000 opening balance is required. You should seek the advice of your own tax advisor with respect to your particular circumstances. Membership eligibility required.

  • Money Market

    Money Market

    Type Money Market Rates

    Rates Effective as of: 10-28-2021
    Account Minimum Balance Dividend Rates APY*
    Money Market Account Up to $2,500.00 0.250% 0.25%
    $2,500.01-$25,000.00 0.250% 0.25%
    $25,000.01-$50.000.00 0.300% 0.30%
    $50,000.01-$100,000.00 0.350% 0.35%
    $100,000.01 and up 0.400% 0.40%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    - 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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