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Rates

Savings Rates

Savings, checking, money market, HSA and certificate rates effective 10/1/2024   


Savings


Account Type Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
Savings 0.30% $5 $100 $0
Business Savings N/A $5 N/A $0
Dollar Squad Savings 1.00% $5 $5 $0
cha-ching! Savings 1.00% $5 $5 $0
Thr!ve Savings 1.00% $5 $5 $0
IRA Savings 2.00% $5 $100 $0

Save First 


 
Balance Tier
Prospective Annual % Yield
 
Minimum to Open
Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
$0 To $499.99 0.30% $0 $0.01 $0
$500 to $25,000 4.50% $0 $500 $0
$25,000+ 0.30% $0 $10,000 $0

Checking


Account Type Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
Choice Checking N/A $15 $0 $0
Business Checking N/A $15 $0 $0
Choice Plus Checking 0.10% $15 $500 $500

HSA Checking


Account Type Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
Single HSA 2.00% $5 $500 $0
Family HSA 2.00% $5 $500 $0

Thr!ve Checking


Balance Tier Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
$.01 to $500 0.50% $0 $.01 $0
$500.01 or greater 0.10% $0 $500.01 $0

Choice Advantage Checking


Balance Tier Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
$500 to $9,999.99 0.10%
$15 $500 $10,000
$10,000 to $24,999.99 0.15% $15 $10,000 $10,000
$25,000 to $49,999.99 0.20% $15 $25,000 $10,000
$50,000 or greater 0.30% $15 $50,000 $10,000

Money Market

 
Balance Tier Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
Under $2,500 N/A $2,500 $2,500 $0
$2,500 to $49,999.99 1.15 %
$2,500 $2,500 $0
$50,000 to $99,999.99 1.30%
$2,500 $50,000 $0
$100,000 to $249,999.99 2.25%
$2,500 $100,000 $0
$250,000+ 2.55%
$2,500 $250,000 $0

Term Share Certificate


Term Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
6-month4 4.10 %
$1,000 $1,000 $0
12-month4 4.60 %
$1,000 $1,000 $0
18-month4 4.00 %
$1,000 $1,000 $0
24-month4 3.00 %
$1,000 $1,000 $0
36-month4 3.00 %
$1,000 $1,000 $0
48-month4 3.00 %
$1,000 $1,000 $0
60-month4 3.00 %
$1,000 $1,000 $0

Bump Rate Certificates


Term Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
48-month5 2.50%
$1,000 $1,000 $0

1
You must maintain the disclosed minimum daily balance in your Account to obtain the disclosed Annual Percentage Yield. You will not earn dividends on any day your Account balance is below the required minimum daily balance.

2 You must maintain the disclosed minimum daily balance in your Account to avoid a Service Charge. If during any month your Account balance is below the required minimum, your Account will be subject to a Below Minimum Balance Service Charge for that month as set forth in the Fee Schedule.
3 Uniform Transfers to Minor Act Accounts only.
4 Stated rate also applies to IRA and Roth IRA Term Share Certificates, penalty for early withdrawal.
5 Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member.


Loan Rates

Auto, boat, motorcycle, RV, ATV, farm equipment, personal, and secured loan rates effective 9/15/2024

New Auto


Term APR* as low as1 Estimated Payment
36-month 4.99% $29.97 per $1,000 for 36 months
60-month 5.39% $19.05 per $1,000 for 60 months
72-month 5.89% $16.52 per $1,000 for 72 months
84-month 6.79% $14.99 per $1,000 for 84 months
 
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 9/15/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. 

Pre-Owned Auto


Term APR* as low as1 Estimated Payment
36-month 5.49% $30.19 per $1,000 for 36 months
60-month 5.89% $19.28 per $1,000 for 60 months
72-month 6.39% $16.76 per $1,000 for 72 months
84-month 7.54%
$15.36 per $1,000 for 84 months
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 9/15/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.

Boats & Motorcycles


Term APR* as low as1 Estimated Payment
36-month 7.24% $30.99 per $1,000 for 36 months
60-month 7.24% $19.91 per $1,000 for 60 months
72-month 7.74%
$17.41 per $1,000 for 72 months
120-month (boat only) 8.24% $12.26 per $1,000 for 120 months
180-month (boat only) 9.24% $10.29 per $1,000 for 180 months
 
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 9/15/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.

RVs


Term APR* as low as1 Estimated Payment
36-month 7.24% $30.99 per $1,000 for 36 months
60-month 7.24%
$19.91 per $1,000 for 60 months
84-month
7.74%
$15.46 per $1,000 for 84 months
120-month
8.24%
$12.26 per $1,000 for 120 months
180-month 9.24% $10.29 per $1,000 for 180 months
 
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 9/15/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.

ATV & Farm Equipment


Term APR* as low as1 Estimated Payment
36-month 8.49% $31.56 per $1,000 for 36 months
60-month
8.49% $20.51 per $1,000 for 60 months
72-month 8.99% $18.02 per $1,000 for 72 months
84-month 9.49% $16.34 per $1,000 for 84 months
96-month 9.99% $19.11 per $1,000 for 96 months
120-month 10.49% $13.49 per $1,000 for 120 months
 
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary, Rates effective 9/15/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.

Personal Loans


Term APR* as low as1 Estimated Payment
12-month 9.99% $87.56 per $1,000 for 12 months
24-month
9.99%
$45.79 per $1,000 for 24 months
48-month 10.49%
$25.24 per $1,000 for 48 months
72-month 11.99% $19.16 per $1,000 for 72 months

1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary, Rates effective 9/15/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance. Existing Texell loans not eligible for refinance.

Shared Secure, Term Share Secured


Type APR* as low as1
Deposit Rate Plus 2.50%

Home Equity Loans

Home equity, land and mortgage loan rates effective 10/7/2024  
 
Term APR* as low as1
(1st Lien)
APR* as low as1
(2nd Lien)
Estimated Payment
1st Lien: top; 2nd Lien: bottom
60-month 5.99%
6.99%
$19.33 per $1,000 for 60 months
$19.80 per $1,000 for 60 months 

120-month 6.24%
7.24% $11.22 per $1,000 for 120 months
$11.73 per $1,000 for 120 months 
180-month 6.49%
7.49% $8.71 per $1,000 for 180 months
$9.26 per $1,000 for 180 months 
240-month 6.99%
Not available $7.75 per $1,000 for 240 months
2nd Lien not available 

Land Loans & Unimproved Property


Term APR* as low as1 Estimated Payment
60-month 7.32% $19.95 per $1,000 for 60 months
120-month 7.67% $11.96 per $1,000 for 120 months
180-month 8.12% $9.63 per $1,000 for 180 months

¹ Loans currently financed with Texell are not eligible for refinance. The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.
Rates subject to change without notice. Rates are available to qualified borrowers. Applicants must qualify based on Texell's underwriting guidelines. VR equals Variable Rate. Longer terms available. Rates shown are based on a discount for additional credit union services. Contact the Credit Union for details.


Mortgage Loans


Type & Term Rate1 APR2 Points Lender Fee Estimated Payment3
30-year Fixed 6.375%
6.472%
0% 0.50% $6.30 per $1,000 for 360 months
15-year Fixed 5.750%
5.908%
 0% 0.50%
$8.39 per $1,000 for 180 months
FHA 30-year Fixed 5.750%
5.844%
0% 0% $5.90 per $1,000 for 360 months
FHA 15-year Fixed 5.500%
5.657%
 0% 0% $8.25 per $1,000 for 180 months
USDA 30-year Fixed 6.375% 6.472%  0% 0%
$6.30 per $1,000 for 360 months
VA 30-year Fixed 6.750%
6.850%
 0.039% 0%
$6.55 per $1,000 for 360 months
VA 15-year Fixed 6.125%
6.285%
0.486% 0% $8.59 per $1,000 for 180 months
Investment Property 10-year Fixed 8.340% 8.669%  0% 1.00% $12.49 per $1,000 for 120 months
Investment Property 15-year Fixed 8.440%
8.803%
 0% 1.00% $10.03 per $1,000 for 180 months
Investment Property 20-year Fixed 8.700% 9.250%  0% 1.00% $9.16 per $1,000 for 240 months
Investment Property 30-year Fixed 7.125% 7.311% 0.506% 0.50% $6.86 per $1,000 for 360 months
These examples are based on a 80% LTV and a 740 or higher FICO score (excluding VA Loans).
Rates are subject to change without notice and may vary depending upon credit history, loan programs and loan terms. Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com.
¹ Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate
3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.