Rates

Rates Effective 11-19-2017

Loan Rates

New Auto Loan Rates

  •  
Term APR As low As Alert Me
60 months 2.75%
72 months 3.00%
78 months 3.25%
84 months 3.75%
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.

Used Auto Loan Rates

  •  
Model Year Term APR As low As Alert Me
2015 and Newer 72 months 3.00%
2015 and Newer 60 months 2.75%
2012-2014 60 months 2.75%
2011 and Older 48 months 2.75%
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.

New & Used Boat Loan Rates

  •  
Term APR As low As Alert Me
60 months 3.50%
72 months 3.75%
84 months 4.50%
120 months 5.00%
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.

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.

In-House Mortgage

  •  
Term APR As low As Alert Me
up to 60 months 3.75%
up to 120 months 4.00%
up to 180 months 4.75%
up to 240 months 5.25%
up to 360 months 5.50%
Up to 90% of Contracted Sales Price on First Mortgage. Loan amounts above $250,000 rate increases by .25%

Home Equity Loans

  •  
Term APR As low As Alert Me
up to 60 months 3.50%
up to 120 months 3.75%
up to 180 months 4.00%
up to 240 months 4.50%
up to 360 months (first lien only) 5.50%
Up to 80% LTV.

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%

Interim Construction

  •  
Term APR As low As Alert Me
up to 12 months 8.00%

Line of Credit

  •  
Term APR As low As Alert Me
up to 36 months 9.50%

Motor Homes/Travel Trailers (New)

  •  
Term APR As low As Alert Me
up to 60 months 3.50%
up to 90 months 4.00%
up to 120 monts 4.75%

Motor Homes/Travel Trailers (Used)

  •  
Term APR As low As Alert Me
up to 60 months 4.00%
up to 90 months 4.25%

Motorcycles/ATVs (New and Used)

  •  
Term APR As low As Alert Me
up to 60 months 3.50%
up to 72 months 3.75%

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

Signature Loan Rates

  •  
APR As low as Term Alert Me
Special Signature Loan Alert Me
8.50% up to 24 months
8.90% up to 60 months
7.50% up to 12 months

Tractor Loan Rates

  •  
Term APR As low As Alert Me
up to 36 months 6.40%
up to 60 months 7.40%

Unimproved Property Loan Rates

  •  
Term APR As low As Alert Me
up to 120 months 5.00%
up to 180 months 5.25%

All other collateral

  •  Rates Effective 11-19-2017
Term APR As low As Alert Me
9.15% 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

Credit Card Rates

Credit Card Rates

  •  
Balance APR As low As Alert Me
Classic MasterCard and Visa $0-$1,999 See Credit Card Addendum
Platinum Visa $2,000 - $30,000 2.9% for first 6 months - See Credit Card Addendum
Ceiling Rate (max interest rate) is 18.00%

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

Savings, Checking & Investments

CD Rates

  •  
Minimum Balance Rate Annual Percentage Yield Alert Me
6 months $1,000 0.45% 0.45%
12 months $1,000 0.90% 0.90%
18 months $1,000 0.90% 0.90%
24 months $1,000 1.00% 1.01%
30 months $1,000 1.20% 1.21%
36 months $1,000 1.25% 1.26%
48 months $1,000 1.75% 1.76%
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.

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.

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