| Rate Center
| Loan Rates
As of December 20, 2011 - Click here to apply for a loan
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Autos (New) |
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3.25% up to 60 months |
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3.50% up to 72 months |
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Autos (Used) |
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2009-2011 - 3.50% up to 72 months |
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2009-2011 - 3.25% up to 60 months |
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2006-2008 - 3.25% up to 60 months |
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2005 & older - 3.25% up to 48 months |
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Boats (New) |
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3.75% up to 60 months |
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4.25% up to 72 months |
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4.50% up to 84 months |
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Boats (Used) |
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3.75% up to 60 months |
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First Mortgage - Up to 90% of Contracted Sales Price on First Mortgage |
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4.25% up to 60 months
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4.50% up to 120 months |
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4.75% up to 180 months |
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5.25% up to 240 months |
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Home Equity - Up to 80% of Appraised Value on H.E. |
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4.25% up to 60 months
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4.50% up to 120 months |
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4.75% up to 180 months |
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5.25% up to 240 months |
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Home Improvement |
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8.15% up to 60 months |
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8.75% up to 144 months |
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Interim Construction |
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7.00% up to 9 months |
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Line of Credit |
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9.50% up to 36 months |
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Motorcycles/ATVs (New and Used) |
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3.50% up to 60 months |
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3.75% up to 72 months |
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Motor Homes (New) |
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3.50% up to 60 months |
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3.75% up to 90 months |
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4.25% up to 120 months |
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Motor Homes (Used) |
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3.50% up to 60 months |
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3.75% up to 90 months |
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Share Secured |
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2% above share rate up to 36 months |
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3% above share rate up to 60 months |
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4% above share rate up to 120 months |
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CD Secured
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2% above CD rate up to 120 months |
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Signature |
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8.50% up to 24 months |
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8.90% up to 60 months |
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Special Signature |
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8.25% up to 12 months |
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Tractor (New and Used) |
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5.90% up to 36 months |
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6.90% up to 60 months |
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Unimproved Property
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6.75% up to 120 months |
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7.00% up to 180 months |
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All other collateral |
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8.65% up to 36 months |
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Classic MasterCard and Visa |
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($0-$1,999) - See Credit Card Addendum |
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Platinum Visa |
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($2,000 - $15,000) - See Credit Card Addendum |
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A+ paper = 731 and above
A paper = 730-680
B paper = 679-640
C paper = 639-620
D paper = 619-560
E paper = 559 and below
Rates disclosed reflect our best rates including all discounts and may be different based on credit score or credit union services used.
Rate discounts include:
.25% off for auto transfer
.25% off for a Neches checking account
.25% off for a Neches credit card
.25% off for an additional credit union product
.25% off for a Green Auto Loan (25 mpg city or hybrid)
Rate discounts are excluded from Credit Cards, Line of Credit, Special Signature Loan, Mortgages, Home Equity, any Real Estate Loan, and Share Secured loans.
Don't hesitate to contact us for more information about our rates.
* 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.
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