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Rates

Truth in Savings
Rates effective 02/21/2017


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Prospective Annual Percentage Yield Minimum to Open Minimum Daily Balance to Earn Dividends1 Minimum to Avoid Service Charge2
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





Choice Advantage Checking



$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





Money Market



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





Term Share Certificates



6-month 0.65% $1,000 $1,000 $0
12-month 0.80% $1,000 $1,000 $0
24-month 1.00% $1,000 $1,000 $0
36-month 1.35% $1,000 $1,000 $0
48-month 1.45% $1,000 $1,000 $0
60-month 2.00% $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 3/1/2017

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AUTO LOANS

Annual Percentage Rate As Low As
Term
36-months 1.34%
60-months 1.44%
72-months 1.84%
84-months
2.74%


BOATS, MOTORCYCLES

Annual Percentage Rate As Low As
Term
60-months 
3.24%
72-months 5.54%
120-months (boats only) 6.04%
180-months (boats only) 6.54%
240-months (boats only) 7.04%
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RVs

Annual Percentage Rate As Low As
Term
60-months 
3.24%
84-months 5.24%
120-months 6.04%
180-months 6.54%
240-months 7.04%
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FARM EQUIP, ATV, PERSONAL WATERCRAFT

Annual Percentage Rate As Low As
Term
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

Annual Percentage Rate As Low As
Term
24-months
6.99%
48-months 7.49%
72-months 8.74%
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HOME EQUITY LOANS

Annual Percentage Rate As Low As
Term
60-months 
2.99%
120-months 4.24%
180-months 4.24%
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LAND LOANS AND UNIMPROVED PROPERTY

Annual Percentage Rate As Low As
Term
60-months
5.49%
120-months 5.74%
180-months 5.99%
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SHARE SECURED, TERM SHARE SECURED

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

Type Rate APR Lender Fee
30-year Fixed 4.000%
4.098% 0.50%
15-year Fixed 3.375% 3.546% 0.50%
FHA 30-year Fixed 3.625% 3.720% 0.50%
FHA 15-year Fixed 3.500% 3.671% 0.50%
VA 30-year Fixed 3.625% 3.720% 0.50%
VA 15-year Fixed 3.500% 3.671% 0.50%

Mortgage rates current as of 3/22/2017. 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/.