Rates

Truth in Savings

Rates effective 4/17/2018

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Account Type Prospective Annual Percentage Yield Minimum to Open Minimum Daily Balance to Earn Dividends 1 Minimum to Avoid Service Charge 2
Savings 0.20% $5 $100 $0
Simply Business Savings 0.00% $5 $100 $0
Dollar Squad 0.20% $5 $5 $0
cha-ching! 0.20% $5 $5 $0
IRA Savings 0.20% $5 $100 $0





Choice Checking 0.00% $0 $0 $0
Simply Business Checking 0.00% $0 $0 $0





Single HSA 1.00% $5 $500 $0
Family HSA 1.00% $5 $500 $0





Choice Plus Checking 0.10% $0 $500 $500





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CHOICE ADVANTAGE CHECKING
Balance Tier Prospective Annual Percentage Yield Minimum to Open Minimum Daily Balance to Earn Dividends 1 Minimum to Avoid Service Charge 2
$500 to $9,999.99 0.13% $0 $500 $10,000
$10,000 to $24,999.99 0.15% $0 $10,000 $10,000
$25,000 to $49,999.99 0.20% $0 $25,000 $10,000
$50,000 or greater 0.25% $0 $50,000 $10,000
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MONEY MARKET
Balance Tier Prospective Annual Percentage Yield Minimum to Open Minimum Daily Balance to Earn Dividends 1 Minimum to Avoid Service Charge 2
Under $2,500 0.00% $2,500 $2,500 $0
$2,500 to $9,999.99 0.22% $2,500 $2,500 $0
$10,000 to $24,999.99 0.25% $2,500 $2,500 $0
$25,000 to $49,999.99 0.35% $2,500 $2,500 $0
$50,000 to $99,999.99 0.40% $2,500 $2,500 $0
$100,000 and greater 0.45% $2,500 $2,500 $0
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TERM SHARE CERTIFICATES
Term Prospective Annual Percentage Yield Minimum to Open Minimum Daily Balance to Earn Dividends 1 Minimum to Avoid Service Charge 2
6-month 0.65% $1,000 $1,000 $0
12-month 1.00% $1,000 $1,000 $0
24-month 1.30% $1,000 $1,000 $0
36-month 2.10% $1,000 $1,000 $0
48-month 1.75% $1,000 $1,000 $0
60-month 2.35% $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


Loan Rates

Rates effective 4/1/2018

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AUTO LOANS
Term Annual Percentage Rate As Low As
36-months 1.44%
60-months 1.54%
72-months 2.44%
84-months 2.49%
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BOATS, MOTORCYCLES
Term Annual Percentage Rate As Low As
60-months 4.34%
72-months 6.64%
120-months (boats only) 7.14%
180-months (boats only) 7.64%
240-months (boats only) 8.14%
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RVs
Term Annual Percentage Rate As Low As
60-months
4.34%
84-months 6.34%
120-months 7.14%
180-months 7.64%
240-months 8.14%
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FARM EQUIP, ATV, PERSONAL WATERCRAFT
Term Annual Percentage Rate As Low As
60-months 4.99%
72-months 5.49%
84-months 5.99%
96-months 6.49%
120-months 6.99%
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PERSONAL LOANS
Term Annual Percentage Rate As Low As
24-months
8.00%
48-months 8.50%
72-months 9.75%
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HOME EQUITY LOANS
Term Annual Percentage Rate As Low As
60-months 2.75%
120-months 3.59%
180-months 3.90%
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LAND LOANS AND UNIMPROVED PROPERTY
Term Annual Percentage Rate As Low As
60-months 5.49%
120-months 5.74%
180-months 5.99%
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SHARE SECURED, TERM SHARE SECURED
Type Annual Percentage Rate As Low As
Deposit Rate Plus 2.50%

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 4/11/2018.

Type & Term Rate APR Lender Fee
30-year Fixed 4.375%
4.475% 0.50%
15-year Fixed 4.000% 4.174% 0.50%
FHA 30-year Fixed 4.250% 4.307% 0%
FHA 15-year Fixed 4.125% 4.226% 0%
VA 30-year Fixed 4.750% 4.809% 0%
VA 15-year Fixed 4.125% 4.226% 0%

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 http://www.texellhomeloans.com/ .