Rates

Rates Effective 05-26-2018

Loan Rates

Table data for New Auto Loan Rates
 
Term APR As low As Alert Me
60 months 3.00% Receive a notification when this rate changes
72 months 3.25% Receive a notification when this rate changes
78 months 3.50% Receive a notification when this rate changes
84 months 4.00% Receive a notification when this rate changes
APR = Annual Percentage Rate. APY= Annual Percentage Yield. All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of deposits. Rates are as low as shown. See below for full terms and disclosures.

Table data for Used Auto Loan Rates
 
Model Year Term APR As low As Alert Me
2016 and Newer 72 months 3.25% Receive a notification when this rate changes
2016 and Newer 60 months 3.00% Receive a notification when this rate changes
2013-2015 60 months 3.00% Receive a notification when this rate changes
2012 and Older 48 months 3.00% Receive a notification when this rate changes
APR = Annual Percentage Rate. All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earning of deposit accounts. Penalties may apply for early withdrawal of deposits. Rates are as low as shown. See below for full terms and disclosures.

Table data for New & Used Boat Loan Rates
 
Term APR As low As Alert Me
60 months 3.75% Receive a notification when this rate changes
72 months 4.00% Receive a notification when this rate changes
84 months 4.75% Receive a notification when this rate changes
120 months 5.25% Receive a notification when this rate changes
APR = Annual Percentage Rate. All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of deposits.

Table data for Student Personal Computer Loan
 
Term APR As low As Alert Me
12 months 0%
**Maximum amount of loan is $1,000. Maximum term of 12 months. Student must be primary borrower on the loan and must show proof of school registration. Need invoice or receipt from merchant for computer/accessories.

Table data for In-House Mortgage
 
Term APR As low As Alert Me
up to 360 months Call for rates. Receive a notification when this rate changes
Up to 90% of Contracted Sales Price on First Mortgage. Loan amounts above $250,000 rate increases by .25%

Table data for Home Equity Loans
 
Term APR As low As Alert Me
up to 60 months 3.75%
up to 120 months 4.00%
up to 180 months 4.25%
up to 240 months 4.75%
up to 360 months (first lien only) 5.50%
Up to 80% LTV.

Table data for Home Improvement Loan Rates
 
Term APR As low As Alert Me
up to 60 months (Up to 90% LTV) 7.00%
up to 144 months 8.00%

Table data for Interim Construction
 
Term APR As low As Alert Me
up to 12 months 8.00%

Table data for Line of Credit
 
Term APR As low As Alert Me
up to 36 months 9.50%

Table data for Motor Homes/Travel Trailers (New)
 
Term APR As low As Alert Me
up to 60 months 3.75% Receive a notification when this rate changes
up to 90 months 4.25% Receive a notification when this rate changes
up to 120 monts 5.00% Receive a notification when this rate changes

Table data for Motor Homes/Travel Trailers (Used)
 
Term APR As low As Alert Me
up to 60 months 4.25% Receive a notification when this rate changes
up to 90 months 4.50% Receive a notification when this rate changes

Table data for Motorcycles/ATVs (New and Used)
 
Term APR As low As Alert Me
up to 60 months 3.75% Receive a notification when this rate changes
up to 72 months 4.00% Receive a notification when this rate changes

Table data for CD and Share Secured
 
APR As low as Term Alert Me
2% above the certificate/share rate up to 36 months
3% above the certificate/share rate up to 60 months
4% above the certificate/share rate up to 120 months

Table data for Signature Loan Rates
 
APR As low as Term Alert Me
9.25% up to 60 months

Table data for Tractor Loan Rates
 
Term APR As low As Alert Me
up to 36 months 6.65%
up to 60 months 7.65%

Table data for Unimproved Property Loan Rates
 
Term APR As low As Alert Me
up to 120 months 5.25%
up to 180 months 5.50%

Table data for All other collateral
 Rates Effective 05-26-2018
Term APR As low As Alert Me
9.40% up to 36 months

Rate discounts are excluded from Credit Cards, Line of Credit, Special Signature Loan, Mortgages, Home Equity, any Real Estate Loan, Share Secured loans and Signature Loans.

Rate discounts apply to new money only (New loans and add-on's of $500 or more)

Rate discounts include:
.25% off for auto transfer/payroll deduction on loan
.25% off for having/applying for a Neches credit card
.25% off for a Green Auto Loan (25 mpg city or hybrid vehicle)
.50% off for Auto Loan PreApproval or Auto Refinance                                                                                                         Ceiling Rate (max interest rate) is 18.00%

Credit Card Rates

Table data for Credit Card Rates
 
Balance APR As low As Alert Me
Platinum Visa $100.00 - $30,000 2.9% for first 6 months - See Credit Card Addendum
Ceiling Rate (max interest rate) is 17.9%

Savings, Checking & Investments

Table data for CD Rates
 
Minimum Balance Rate Annual Percentage Yield Alert Me
6 months $1,000 0.80% 0.80%
12 months $1,000 1.00% 1.00%
18 months $1,000 1.10% 1.10%
24 months $1,000 1.25% 1.26%
30 months $1,000 1.30% 1.31%
36 months $1,000 1.55% 1.56%
48 months $1,000 1.85% 1.86%
60 months $1,000 2.10% 2.12%
All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of deposits.

Table data for Checking, Savings and Investment Rates
 
Minimum Balance Rate Annual Percentage Yield (APY) Alert Me
Savings $25.00 .25% .25%
Checking $500.00 .10% .10%
Money Market $0.00-$1999.99 0.10% 0.10%
$2000.00 - $24999.9 0.30% 0.30%
$25000.00 - $49999.99 0.45% 0.45%
$50000.00 AND UP 0.55% 0.55%
IRA Last Quarter No minimum 0.25% 0.25%
All Rates and terms are subject to change without notice. Lending rates are subject to credit approval. Rates may change after account is opened. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of deposits.