Rates:

Effective 2/12/2014

Call 281.488.7070 or 800.940.0708 for more information about our rates. Click here to print all rates.

Click here to apply for a consumer loan | Click here to apply for a mortgage loan | Account Dividend FAQ's

PROJECTED DEPOSIT RATES DIVIDEND RATE APY*
SHARE/SAVING/CHRISTMAS
($5.00 minimum to open)
0.25% 0.25%
EXPRESS CHECKING
($750.00 minimum to earn dividend)
0.05% 0.05%
HORIZON EXPRESS CHECKING
($750.00 minimum to earn dividend)
0.05% 0.05%
EXPRESS YOUTH CHECKING
(does not earn dividend)
0.00% 0.00%
MONEY MARKET
($1000.00 minimum to earn this dividend, $999.99 or less earns Classic Checking account dividend rate)
0.35% 0.35%

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*APY= Annual Percentage Yield. All Rates are subject to change without notice. Lending rates are subject to credit approval. All Share accounts are compounded and paid quarterly. Share Drafts are compounded and paid monthly. Rates may change after account is opened. All Share Certificates are compounded and paid monthly. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of Share Certificate deposits. As of May 2009, your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.


SHARE CERTIFICATES
($500.00 minimum to open)
DIVIDEND RATE APY*
3 MONTHS 0.40% 0.40%
6 MONTHS 0.45% 0.45%
12 MONTHS 0.65% 0.65%
18 MONTHS 0.65% 0.65%
24 MONTHS 0.95% 0.95%
30 MONTHS 0.95% 0.95%
36 MONTHS 1.15% 1.16%
IRA VARIABLE 0.35% 0.35%
EZ Start Share Certificate
12 MONTHS ($100 minimum to open)
0.65% 0.65%

Click here to print all rates.

* APY= Annual Percentage Yield. All Rates are subject to change without notice. Lending rates are subject to credit approval. All Share accounts are compounded and paid quarterly. Share Drafts are compounded and paid monthly. Rates may change after account is opened. All Share Certificates are compounded and paid monthly. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of Share Certificate deposits. As of May 2009, your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.

Personal Property - Secured Maximum Terms: 1 Year Max: FFA / 4H | 3 Year Max: New Home Electronic Equipment / Stock Secured Loan | 4 Year Max: Farm Equipment / Mobile Homes | 5 Year Max: Motorcycle / Camper | 15 Year Max: Boat / Airplanes / RV's

LOAN TERM** RATE APR*
2 YEAR/24 MONTHS 2.99% - 12.24%
3 YEAR/36 MONTHS 3.75% - 13.00%
4 YEAR/48 MONTHS 4.00% - 13.25%
5 YEAR/60 MONTHS 4.25% - 13.50%
6 YEAR/72 MONTHS 4.50% - 13.75%
7 YEAR 5.70% - 14.95%
8 YEAR 6.20% - 15.45%
9 YEAR 6.20% - 15.45%
10 YEAR 6.65% - 15.90%
11 YEAR 6.65% - 15.90%
12 YEAR 6.90% - 16.15%
13 YEAR 6.90% - 16.15%
14 YEAR 7.15% - 16.40%
15 YEAR 7.15% - 16.40%

 

   
HOME LOANS RATE APR*
Home Improvement (1st Lien) 4.00%-4.20%
Home Improvement (2nd Lien) 5.30%-5.40%
Home Mortgages Click for Rates
Home Equity (1st Lien) 4.00%-4.20%
Home Equity (2nd Lien) 5.30%-5.40%
Unimproved Property 7.50%
PERSONAL LOANS RATE APR*
Share Secured 3.00% (above last paid Share Rate)
Certificate Secured 2.00% (above last Certificate Rate)

* APR= Annual Percentage Rate.

**Click here to view example using our online Loan Calculator


 

UNSECURED LOANS RATE APR*
Line of Credit 8.75% - 14.75%
Education - 5 year max** 9.90%
Health Care - 3 year max** 8.75%
Signature 8.75% - 14.75%
Grad Cash $2,000 max / 10 mths** 6.75%
CU Abroad $2,000 max / 10 mths** 6.75%
Holiday Cash $2,000 max / 10 mths** 6.50%
Gadget Gear $2,000 max / 10 mths** 6.75%
VISA Platinum Credit Card 6.90% - 14.90%
   

Click here to print all rates.

* APR= Annual Percentage Rate.

**Click here to view example using our online Loan Calculator

 

NEW AND USED AUTO LOANS
LOAN TERM** RATE APR*
2 YEAR / 24 MONTHS 1.74% - 10.99%
3 YEAR / 36 MONTHS 1.99% - 11.24%
4 YEAR / 48 MONTHS 1.99% - 11.24%
5 YEAR / 60 MONTHS 1.99% - 11.24%
6 YEAR / 72 MONTHS 2.74% - 11.99%

 

Click here to print all rates.

* APR= Annual Percentage Rate.

**Click here to view example using our online Loan Calculator

Personal Property Secured Term - 6 Year Max: Auto

 

 

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