IMAGE: Close view of one hand on calculator and the other writing in a notepad.

Rates

Savings Rates

Rates effective 6/22/2022


Savings


Account Type Prospective Annual % Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
Savings 0.20% $5 $100 $0
Simply Business Savings N/A $5 N/A $0
Dollar Squad Savings 0.20% $5 $5 $0
cha-ching! Savings 0.20% $5 $5 $0
Thr!ve Savings 0.20% $5 $5 $0
IRA Savings 0.20% $5 $100 $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
Simply Business Checking N/A $15 $0 $0
Choice Plus Checking 0.05% $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 Family 1.50% $5 $500 $0
Family HSA 1.50% $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 0.05%
$15 $500 $10,000
$10,000 to $24,999.99 0.10% $15 $10,000 $10,000
$25,000 to $49,999.99 0.15% $15 $25,000 $10,000
$50,000 or greater 0.25% $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 $9,999.99 0.20%
$2,500 $2,500 $0
$10,000 to $24,999.99 0.25%
$2,500 $10,000 $0
$25,000 to $49,999.99
0.30%
$2,500 $25,000
$0
$50,000 to $99,999.99 0.35%
$2,500 $50,000 $0
$100,000 to $149,999.99 0.40%
$2,500 $100,000 $0
$150,000 to $249,999.99 0.40%
$2,500 $150,000 $0
$250,000+ 0.40%
$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 1.00%
$1,000 $1,000 $0
12-month4 1.50%
$1,000 $1,000 $0
18-month4 1.55%
$1,000 $1,000 $0
24-month4 2.00%
$1,000 $1,000 $0
36-month4 2.10%
$1,000 $1,000 $0
48-month4 2.25%
$1,000 $1,000 $0
60-month4 2.30%
$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 1.75%
$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

Rates effective 6/22/2022

Auto


Term APR* as low as1 Estimated Payment
36-month 2.99% $29.08 per $1,000 for 36 months
60-month 3.19% $18.05 per $1,000 for 60 months
72-month 3.34% $15.35 per $1,000 for 72 months
84-month 4.24% $13.78 per $1,000 for 84 months

Boats & Motorcycles


Term APR* as low as1 Estimated Payment
36-month 4.74% $29.85 per $1,000 for 36 months
60-month 4.74% $18.75 per $1,000 for 60 months
72-month 5.24% $16.22 per $1,000 for 72 months
120-month (boat only) 5.74% $10.97 per $1,000 for 120 months
180-month (boat only) 6.74% $8.84 per $1,000 for 180 months

RVs


Term APR* as low as1 Estimated Payment
36-month 4.74% $29.85 per $1,000 for 36 months
60-month 4.74%
$18.75 per $1,000 for 60 months
84-month
5.24%
$14.25 per $1,000 for 84 months
120-month
5.74%
$10.97 per $1,000 for 120 months
180-month 6.74% $8.84 per $1,000 for 180 months

ATV & Farm Equipment


Term APR* as low as1 Estimated Payment
36-month 6.74% $30.76 per $1,000 for 36 months
60-month
6.74% $19.68 per $1,000 for 60 months
72-month 7.24% $17.16 per $1,000 for 72 months
84-month 7.74% $15.46 per $1,000 for 84 months
96-month 8.24% $14.26 per $1,000 for 96 months
120-month 8.74% $12.53 per $1,000 for 120 months

Personal Loans


Term APR* as low as1 Estimated Payment
12-month 7.74% $86.67 per $1,000 for 12 months
24-month
7.74%
$45.11 per $1,000 for 24 months
48-month 8.24%
$24.53 per $1,000 for 48 months
72-month 9.74% $18.39 per $1,000 for 72 months

Shared Secure, Term Share Secured


Type APR* as low as1
Deposit Rate Plus 2.50%

Home Equity Loans

 
Term APR* as low as1
(1st Lien)
APR* as low as1
(2nd Lien)
Estimated Payment
1st Lien: top; 2nd Lien: bottom
60-month 4.74%
5.74%
$18.75 per $1,000 for 60 months
$19.21 per $1,000 for 60 months 

72-month 5.09% 6.20% $16.15 per $1,000 for 72 months
$16.67 per $1,000 for 72 months 
120-month 5.09%
6.20% $10.65 per $1,000 for 120 months
$11.20 per $1,000 for 120 months 
180-month 5.19%
6.24% $8.01 per $1,000 for 180 months
$8.57 per $1,000 for 180 months 
240-month 5.45%
Not available $6.85 per $1,000 for 240 months
2nd Lien not available 

Land Loans & Unimproved Property


Term APR* as low as1 Estimated Payment
60-month 3.99% $19.45 per $1,000 for 60 months
120-month 6.25% $11.23 per $1,000 for 120 months
180-month 6.38% $8.65 per $1,000 for 180 months


¹ Loans currently financed with Texell are not eligible for refinance.
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.
Mortgages - Fixed Rates current as of 6/20/2022.

Mortgage Loans


Type & Term Rate1 APR* Lender Fee Estimated Payment
30-year Fixed 5.250%
5.406%
0.50% $5.62 per $1,000 for 360 months
15-year Fixed 4.375%
4.635%
0.50% $7.72 per $1,000 for 180 months
FHA 30-year Fixed 4.250%
4.620%
0% $5.14 per $1,000 for 360 months
FHA 15-year Fixed 4.125%
4.777%
0% $7.79 per $1,000 for 180 months
USDA 30-year Fixed 4.625% 4.684% 0%
$5.18 per $1,000 for 360 months
VA 30-year Fixed 4.375%
4.433%
0% $5.03 per $1,000 for 360 months
VA 15-year Fixed 4.250%
4.352%
0% $7.57 per $1,000 for 180 months
Investment Property 10-year Fixed 4.000% 4.252% 0% $10.24 per $1,000 for 120 months
Investment Property 15-year Fixed 4.500%
4.679%
0% $7.74 per $1,000 for 180 months
Investment Property 20-year Fixed 4.625% 4.825% 0% $6.50 per $1,000 for 240 months
Investment Property 30-year Fixed 6.250% 6.471% 0% $6.30 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 60-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.
Mortgages - Fixed Rates current as of 6/27/2022.
¹ Loans currently financed with Texell are not eligible for refinance.
* APR = Annual Percentage Rate