Rates

Loan Rates

Loan TypeAPR
Share SecuredVariable – 2% Above declared Share Rate
Certificate SecuredVariable – 2% Above declared Share Rate
Visa Credit Card6.90% to 18.00%
Personal Loan9.00% to 18.00%
New Autos2.60% to 18.00%
Used Autos2.60% to 18.00%
New & Used Boats3.80% to 18.00%
New & Used Jet Ski’s3.75% to 18.00%
New Motor Homes, Campers, Travel Trailers, Luxury Livestock Trailers3.50% to 18.00%
Used Motor Homes, Campers, Travel Trailers & Luxury Livestock Trailers3.50% to 18.00%
New & Used Tractors, Livestock Trailers & Farm Equipment4.45% to 18.00%
New & Used 4 – Wheelers3.75% to 18.00%
New & Used Motorcycles3.75% to 18.00%
New & Used Recreation Vehicles3.80% to 18.00%
New Riding Lawn Mowers5.00% to 18.00%
New Utility Trailers5.00% to 18.00%
New & Used Golf Carts5.00% to 18.00%
New Appliances and Furniture9.00% to 18.00%
New Personal Computers9.00% to 18.00%

*APR = Annual Percentage Rate. Loan rates determined by credit history and term of the loan. Rates are subject to credit approval. All rates are subject to change without notice. All terms are approximate. 

 

Savings Rates

Non-Term Share AccountsDividend RateAnnual Percentage Yield
Savings < $10,0000.20%0.20%
Savings < $25,0000.30%0.30%
Savings < $50,0000.50%0.50%
Savings > $50,0000.60%0.60%
Share Draft (Checking)0.00%0.00%
Money Market
< $25,000
0.45%0.45%
Money Market
< $50,000
0.50%0.50%
Money Market
< $100,000
0.55%0.55%
Money Market
> $100,000
0.65%0.65%

* APY = Annual Percentage Yield. Non-term share account dividends are declared at the end of each quarter. Dividends are subject to change without notice.

Individual Retirement Account (IRA)

IRADividend RateAnnual Percentage Yield
< $10,000 0.45%---
< $25,0000.55%---
< $50,0000.70%---
< $100,0000.85%---
> $100,000 1.00%---

* Non-term share account dividends are declared at the end of the quarter. Dividends are subject to change without notice.

Certificate Rates

Share Certificate TermsShare Certificate Dividend RateAnnual Percentage Yield
3 Months*500 & over0.75%---
6 Months*500 & over1.45%1.46%
12 Months*500 & over2.25%2.27%
18 Months*500 & over2.35%2.37%
24 Months*500 & over2.50%2.52%
36 Months*500 & over2.75%2.78%

Required Minimum $500 Investment. Term Accounts will be subject to early withdrawal penalties. For all accounts, the amount of early withdrawal penalty for your account is based on the term of your account.

The penalty schedule is as follows: Terms of 6 months or less 30 days' dividends. Terms of 12 months 90 days' dividends. Terms of 18-24 months 180 days' dividends. Terms of 36 months or longer 360 days' dividends.

If you have any questions about Eastex Credit Union rates, feel free to contact us!


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