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*
Up to 48 months 2.50%
60 months 2.75%
72 months 3.25%
84 months 4.25%
*APR rate shown is lowest rate available. Rates depend on individual's credit worthiness.

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

Term APR*
Up to 48 months 3.25%
60 months 3.95%
72 months 4.45%
84 months 4.70%
144 months 5.70%
*APR rate shown is lowest rate available. Rates depend on individual's credit worthiness.

Mortgage Loans

Visit our Mortgage Center.

Home Equity Loans

Term APR*
60 months 4.20%
120 months 4.40%
180 months 4.60%
240 months 4.80%
*APR rate shown is lowest rate available. Rates depend on individual's credit worthiness.

Credit Cards

Account Fees Intro APR* (12 Billing Cycles) APR* Notes
Visa Credit Builder 4.99% After 12 billing cycles, your APR will be 14.45%
Visa Gold No annual fees 4.99% After 12 billing cycles, your APR will be 10.45%, 12.45%, 14.45%, 17.45% (rates based on individual creditworthiness) Cardholders earn UChoose Rewards points redeemable for merchandise, travel and event tickets
Visa Platinum No annual fees 4.99% After 12 billing cycles, your APR will be 8.45%, 10.45%, 12.45%, 14.45%, 17.45% (rates based on individual creditworthiness)
See credit card disclosure for rate and offer information.

Personal Loans

Fees APR*
No annual fees 8.90%
*APR rate shown is lowest rate available. Rates depend on individual's credit worthiness.

Line of Credit

Fees APR*
No annual fees 8.45%
*APR rate shown is lowest rate available. Rates depend on individual's credit worthiness.