Loan Rates

Get more value for your money

Our loan and mortgage rates work in the best interests of our members in Texas and beyond.

New and Used Vehicles

Term APR*
48 months 3.75%
60 months 4.00%
72 months 4.50%
78 months 4.75%
84 months 5.00%
*APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Boats, Watercraft, Recreational Vehicles, Motorcycles, and Farm/Agricultural Equipment

Term APR*
48 months 4.75%
60 months 5.00%
72 months 5.25%
84 months 6.41%
96 months 6.51%
96+ months 6.61%
*APR - Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Mortgage Loans

Rates in effect as of November 09, 2022
Product Rate APR* Points
30 Year Fixed Rate6.875%7.175%0.000
20 Year Fixed Rate6.375%6.599%0.000
15 Year Fixed Rate6.250%6.491%0.000
*APR - Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
 

Home Equity Loans

Term APR*
60 months 5.425%
120 months 5.550%
180 months 5.875%
240 months 6.000%
300 months 6.700%
360 months 6.500%
*APR - Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Home Improvement

Term APR*
60 months 5.050%
120 months 5.175%
180 months 5.500%
240 months 5.625%

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Un-Improved Property

Term APR*
60 months 5.00%
120 months 5.50%
180 months 5.75%
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Credit Cards

Account Fees Intro APR* APR* Notes
totalREWARDS VISA No annual fees n/a After promotional period, your APR will be 11.90%, 12.90%, 13.90%, 14.90%, 16.90%, 18.00% (rates based on individual creditworthiness) Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
total REWARDS Business VISA No Annual Fee n/a After promotional period, your APR will be 11.90% Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!

See credit card disclosure for rate and offer information.
* APR = Annual Percentage Rate

Line of Credit

Fees APR*
No annual fees 9.45%
APR shown is the lowest available rate.  Rates depend on individual creditworthiness and are subject to change without notice.

Personal Loans

Type Fee APR*
Shared Secured No annual fees 3.0% + Regular Savings Dividend Rate*
CD Secured for 6 – 36 months No annual fees 2.0% + CD Dividend Rate
CD Secured for 37 – 60 months No annual fees 3.0% + CD Dividend Rate
Unsecured Personal No fees 11.05

*APR - Annual Percentage Rate. **APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

The Annual Percentage Rate (APR) for Shared Secured Loans will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 3%. The rates are subject to change on the first day of each calendar month to reflect any change in the Index. If there is an existing balance on the date of the rate change, the entire balance will be at the new APR. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. The present annual percentage rate will be disclosed on the voucher at the time of the advance.