Loan Rates

Lowest rates include the following discounts:

  • .25% off - Get pre-approved with us before you shop
  • .25% off - Set-up auto-pay from an Education First account
  • .25% off - Set-up direct deposit to an Education First account
  • .25% off - Add Credit Life/Credit Disability to your loan

 

We also pay great dividends on deposits!

Click here to view our deposit rates. >

Loan Rates

 

Mortgage Loans, Auto Loans, Business Loans & More in Beaumont, TX

New and Used Vehicles
Up to 48 months 1.75% APR*
60 months 2.50% APR*
72 months 3.40% APR*
84 months 4.15% APR*
Boats, Watercraft, Recreational Vehicles, Motorcycles, and Farm/Agricultural Equipment
Up to 48 months 1.75% APR*
60 months 3.75% APR*
72 months 4.25% APR*
84 months 4.50% APR*
144 months 5.50% APR*
Mortgage Loans
Click here to view rates.
Home Equity Loans
60 months           3.00% APR*
120 months 3.50% APR*
180 months 4.00% APR*
240 months 4.50% APR*
Credit Cards
Visa Credit Builder                4.99% - Introductory APR* for a period of 12 billing cycles.
After that your APR* will be 14.45%

Visa Gold

No Annual Fees

4.99% - Introductory APR* for a period of 12 billing cycles.
After that your APR* will be:
10.45%, 12.45%, 14.45% (rates based on individual creditworthiness)

*Visa Gold cardholders earn UChoose Rewards points redeemable for merchandise, travel and event tickets

Visa Platinum

No Annual Fees

4.99% - Introductory APR* for a period of 12 billing cycles.
After that your APR* will be:
8.45%, 10.45%, 12.45%, 14.45%, or 17.45% (rates based on individual creditworthiness)
  See credit card disclosure for rate and offer information.
Personal Loans
No annual fees    8.45% APR*
Line of Credit
No annual fee      8.45% APR*

 Questions? Give us a call at (409)898-3770 or (800) 456-4684. We're happy to assist you!

 

* APR = Annual Percentage Rate. Rates shown are "as low as" rates with ALL eligible discounts applied. All rates, terms, and approvals based on credit worthiness. Conditions may apply to rate discounts. Personal term loans deduct eligible rate discounts from stated rate. Secured rates are the "as low as" rates including ALL discounts. Rate discounts are excluded from Credit Cards; Lines of Credit; Share Secured; and Credit Re-Builder Loans. Personal term loans deduct eligible rate discounts from stated rate. Rates subject to change without notice. For complete details about our rates and terms, please contact us directly.