Rates

Checking Account Rates
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance $500.00	APR 0.10%	APY 0.10%

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nPower Youth Checking
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance $50.00 – $500.00	APR 9.57%	APY 9.57% – 10.00%
Minimum Balance $500.01 and Up	APR 0.10%	APY 0.10%

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Savings Account Rates
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance $25.00	APR 0.20%	APY 0.20%

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Share Draft Member+
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance $1000.00 – $25000.00	APR 5.84%	APY 5.84% – 6.00%
Minimum Balance $25,000.01 and Up	APR 0.10%	APY 0.10%

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Money Market Account Rates
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance $0.00 – $1,999.99	APR 0.10%	APY 0.10%
Minimum Balance $2,000.00 – $24,999.99	APR 0.60%	APY 0.60%
Minimum Balance $25,000.00 – $49,999.99	APR 0.70%	APY 0.70%
Minimum Balance $50,000.00 and Up	APR 0.80%	APY 0.80%

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IRA Shares
Minimum Balance	APR	APY
APY= Annual Percentage Yield
Minimum Balance No Minimum	APR 0.20%	APY 0.20%

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Certificate Rates ($1,000 minimum balance)
Term	APR	APY
APY= Annual Percentage Yield
Term 3 months	APR 2.72%	APY 2.75%
Term 6 months	APR 4.17%	APY 4.25%
Term 12 months	APR 4.36%	APY 4.45%
Term 18 months	APR 3.69%	APY 3.75%
Term 24 months	APR 3.44%	APY 3.50%
Term 30 months	APR 3.44%	APY 3.50%
Term 36 months	APR 3.44%	APY 3.50%
Term 48 months	APR 3.54%	APY 3.60%
Term 60 months	APR 3.54%	APY 3.60%

Certificate Rates (100,000 minimum balance)
Term	APR	APY
APY= Annual Percentage Yield
Term 3 months	APR 2.96%	APY 3.00%
Term 6 months	APR 4.22%	APY 4.30%
Term 12 months	APR 4.55%	APY 4.65%
Term 18 months	APR 3.78%	APY 3.85%
Term 24 months	APR 3.69%	APY 3.75%
Term 30 months	APR 3.74%	APY 3.80%
Term 36 months	APR 3.74%	APY 3.80%
Term 48 months	APR 3.74%	APY 3.80%
Term 60 months	APR 3.74%	APY 3.80%

Credit Card Rates
Visa Platinum	APR as low as
APR= Annual Percentage Rate ¹See Credit Card Addendum
Visa Platinum Visa Platinum Rewards	APR as low as 2.9% for first 6 months- See Credit Card Addendum
Visa Platinum Visa Platinum Rewards Secured	APR as low as 2.9% for first 6 months- See Credit Card Addendum
Visa Platinum Visa Business	APR as low as 10.50%
Visa Platinum Visa Business Secured	APR as low as 10.50%

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Signature Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Finance Amount: $15,000 ² Minimum Finance Amount: $25,000
Term Up to 60 months	APR as low as 10.25%
Term Up to 72 months<sup>1</sup>	APR as low as 10.75%
Term Up to 84 months<sup>2</sup>	APR as low as 11.25%

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CD and Share Secured Loan Rates
Term	APR as low as
APR= Annual Percentage Rate
Term up to 36 months	APR as low as 2% above the certificate/share rate
Term up to 60 months	APR as low as 3% above the certificate/share rate
Term up to 120 months	APR as low as 4% above the certificate/share rate

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Line of Credit Rates
Term	APR as low as
APR= Annual Percentage Rate
Term Up to 36 months	APR as low as 12.50%

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New Auto Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Invoice Amount: $30,000 ² Minimum Invoice Amount: $40,000
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%
Term 78 months¹	APR as low as 4.75%
Term 84 months²	APR as low as 5.25%

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Used Auto Loan Rates
Model Year	Term	APR as low as
APR= Annual Percentage Rate ¹Vehicles with less than 20k miles
Model Year All model years	Term Up to 36 months	APR as low as 3.50%
Model Year All model years	Term Up to 48 months	APR as low as 3.75%
Model Year 2020 & newer	Term Up to 60 months	APR as low as 4.00%
Model Year 2022 & newer	Term Up to 72 months	APR as low as 4.50%
Model Year 2024 & newer	Term Up to 78 months	APR as low as 4.75%
Model Year 2025 & newer¹	Term Up to 84 months	APR as low as 5.25%

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New & Used Boat Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Finance Amount: $40,000 ²Minimum Finance Amount: $50,000
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%
Term 84 months	APR as low as 5.25%
Term 120 months	APR as low as 6.00%
Term 144 months	APR as low as 6.25%¹
Term 180 months	APR as low as 6.50%²

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New Motorhomes/Travel Trailer Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Finance Amount: $30,000 ²Minimum Finance Amount: $40,000
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%
Term 84 months	APR as low as 5.25%
Term Up to 120 months	APR as low as 6.00%¹
Term Up to 144 months	APR as low as 6.25%²

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Used Motorhome/Travel Trailer Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Finance Amount: $30,000
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%
Term 84 months	APR as low as 5.25%
Term Up to 120 months	APR as low as 6.00%¹

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New & Used Motorcycles/ATVs Loan Rates
Term	APR as low as
APR= Annual Percentage Rate
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%

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Tractor Loan Rates
Term	APR as low as
APR= Annual Percentage Rate
Term Up to 36 months	APR as low as 5.25%
Term Up to 60 months	APR as low as 5.50%

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All Other Collateral
Term	APR (as low as)
APR= Annual Percentage Rate
Term Up to 36 months	APR (as low as) 5.25%

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In-House Mortgage Rates
Term	APR as low as
APR= Annual Percentage Rate Up to 90% of Contracted Sales Price on First Mortgage.
Term 15 Year	APR as low as 5.50%
Term 20 Year	APR as low as 5.75%
Term 30 Year	APR as low as 5.75%

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Home Equity Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Up to 80% LTV. Add .50% for second lien position.
Term up to 60 months	APR as low as 5.25%
Term up to 120 months	APR as low as 5.50%
Term up to 180 months	APR as low as 5.50%
Term up 240 months	APR as low as 5.75%
Term up to 360 months¹	APR as low as 5.75%

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Home Improvement Loan Rates
Term	APR as low as
APR= Annual Percentage Rate Up to 90% LTV.
Term up to 60 months	APR as low as 6.25%
Term up to 144 months	APR as low as 6.50%

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Interim Construction Loan Rates
Term	APR as low as
APR= Annual Percentage Rate
Term up to 12 months	APR as low as 5.75%

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Unimproved Property Loan Rates
Term	APR as low as
APR= Annual Percentage Rate
Term up to 120 months	APR as low as 5.75%
Term up to 180 months	APR as low as 5.75%

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Disclosures

All rates and terms are subject to change without notice.
Lending rates are subject to credit approval. Rates are as low as shown. Full terms and disclosures are listed below.
Rate discounts apply to new money only (New loans and add-on’s of $500 or more). 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 include:

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

Rates

Disclosures

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