Featured Rates

Auto Loan:
as low as
1.34% APR
Home Equity:
as low as
3.24% APR
Fixed Mortgage:
Rate as low as
2.750%
Personal Loan:
as low as
6.99% APR
Money Market: .45% APY
Certificates: 2.00% APY

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Home > Rates

Rates

 

 

Truth-In-Savings Rate Schedule Effective 8/16/2016

 

  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 Squad3 0.20% $5 $5 $0
cha-ching!3 0.20% $5 $5 $0
IRA Savings 0.20% $5 $100  
 
Choice Checking 0.00% $0 $0 $0
Simply Business Checking 0.00% $0 $0 $0
 
Single HSA Checking 1.00% $5 $500 $0
Family HSA Checking 1.00% $5 $500 $0
 
Choice Plus Checking 0.12% $0 $500 $500
 
Choice Advantage Checking
$500 to $9,999.99

$10,000 to $24,999.99

$25,000 to $49,999.99

$50,000 or greater



0.13%


0.15%


0.20%


0.25%



$0



$500


$10,000


$25,000


$50,000



$10,000
 
Money Market
Under $2,500

$2,500 to $9,999.99

$10,000 to $24,999.99

$25,000 to $49,999.99

$50,000 to $99,999.99

$100,000 and greater

0.00%


0.25%


0.30%


0.35%


0.40%


0.45%

$2,500

$2,500

$0
 
Term Share Certificates4
6-Month 0.65% $1,000 $1,000 $0
12-Month 1.05% $1,000 $1,000 $0
24-Month 1.35% $1,000 $1,000 $0
36-Month 1.55% $1,000 $1,000 $0
48-Month 1.60% $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 Term Share Certificates
 

 

 


 

 

Loan Rates Effective 8/1/2016

 

AUTO LOANS
Term Annual Percentage Rate As Low As
36 mos. 1.34%
60 mos. 1.44%
72 mos. 1.64%
84 mos. 2.74%
 
BOATS, MOTORCYCLES
Term Annual Percentage Rate As Low As
60 mos. 2.99%
72 mos. 5.29%
120 mos. (boats only) 5.79%
180 mos. (boats only) 6.29%
240 mos. (boats only) 6.79%
 
RVs
Term Annual Percentage Rate As Low As
60 mos. 2.74%
84 mos. 4.74%
120 mos. 5.54%
180 mos. 6.04%
240 mos. 6.54%
 
FARM EQUIP, ATV, PERSONAL WATERCRAFT
Term Annual Percentage Rate As Low As
60 mos. 4.99%
72 mos. 5.49%
84 mos. 5.99%
96 mos. 6.49%
120 mos. 6.99%
 
PERSONAL LOANS
Term Annual Percentage Rate As Low As
12 mos. 6.99%
24 mos. 6.99%
48 mos. 7.49%
72 mos. 8.74%
 
LINES OF CREDIT Annual Percentage Rate As Low As
(Current APR) 7.24%
 
HOME EQUITY LOANS
Term Annual Percentage Rate As Low As
60 mos. 3.24%
120 mos. 4.49%
180 mos. 4.49%
 
LAND LOANS AND UNIMPROVED PROPERTY
Term Annual Percentage Rate As Low As
60 mos. 5.49%
120 mos. 5.74%
180 mos. 5.99%
 
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.

 

 

Mortgage - Fixed Rates

 

Type Rate APR Lender Fee
30 Year Fixed Click here Click here .50%
15 Year Fixed Click here Click here .50%
FHA 30 Year Fixed Click here Click here .50%
FHA 15 Year Fixed Click here Click here .50%
VA 30 Year Fixed Click here Click here .50%
VA 15 Year Fixed Click here Click here .50%
 

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/.