Rates

Account Rates

 

Savings Accounts

Account	Balance	Rate (APY*)	Dividends
Membership Savings	$0 - $199 $200+	0.00% 0.10%	Compounded Quarterly
Holiday Savings	$0 - $99 $100 - $2,499 $2,500+	0.00% 0.20% 0.10%	Compounded Annually
Money Market Account	$0 - $2,499 $2500 - $250,000+	0.00% 0.10%	Compounded Monthly
Money Market Account with Member Rewards	$0 -$2,499 $2,500 - $249,999 $250,000+	0.00% 0.30% 0.10%	Compounded Monthly
Youth Membership Savings	$0 - $500 $501+	2.00% 0.10%	Compounded Quarterly
Certificates of Deposit	6-Month Term 1 Year Term 2 Year Term 3 Year Term Special 18-Month Term	0.75% 1.50% 2.00% 2.15% 2.25%	Compounded Monthly
Individual Retirement Accounts	Traditional IRA Savings ROTH IRA Savings ________________________ IRA/1 Year CD IRA/2 Year CD IRA/3 Year CD	0.40% 0.40% _______ 1.50% 2.00% 2.15%	Compounded Monthly Compounded Monthly _________________________ Compounded Monthly

*APR is Annual Percentage Rate.

 

Checking Accounts

Account	Balance	Rate (APY*)	Dividends
Simply Checking	$0 - $4,999 $5,000+	0.00% 0.10%	Compounded Monthly
Youth Checking	$0 - $4,999 $5,000+	0.00% 0.10%	Compounded Monthly

*APY is Annual Percentage Yield.

Loan Rates

 

Auto Loans

Term (months)	Excellent Credit (APR*)	Good Credit (APR*)	Average Credit (APR*)	Fair Credit (APR*)	Marginal Credit (APR*)	Poor Credit (APR*)
1-42	3.04%	3.29%	4.04%	6.04%	9.54%	14.29%
43-66	3.29%	3.54%	4.29%	6.29%	10.29%	14.54%
67-78 ($25k+)	3.99%	4.74%	5.24%	7.99%	11.99%
79-84 ($35k+)	4.74%	5.49%	5.99%	8.99%

*APR is Annual Percentage Rate.
Discounts – .25% APR off for having a previous loan(s) with TXDPSCU. Previous or current loans must have satisfactory payment history.
 

 

Recreational Vehicle Loans

Term (months)	Excellent Credit (APR*)	Good Credit (APR*)	Average Credit (APR*)	Fair Credit (APR*)	Marginal Credit (APR*)	Poor Credit (APR*)
1-42	4.99%	5.49%	5.99 %	8.49%	11.74%	14.74%
43-66	5.99%	5.99%	6.49%	8.99%	12.47%	14.99%
67-78 ($25k+)	5.99%	6.49%	6.99%	9.49%	12.99%
79-84 ($35k+)	6.99%	7.49%	8.49%	11.49%

*APR is Annual Percentage Rate.
Discounts – .25% APR off for having a previous loan(s) with TXDPSCU. Previous or current loans must have satisfactory payment history.
 

 

Personal Loans

Term (months)	Excellent Credit (APR*)	Good Credit (APR*)	Average Credit (APR*)	Fair Credit (APR*)	Marginal Credit (APR*)	Poor Credit (APR*)
1-60	9.90%	10.90%	12.90%	13.90%	17.90%	18.00%

*APR is Annual Percentage Rate.
 

 

Savings Secured Loans

Secured using your savings with TXDPSCU as collateral for the loan. Rate is 3% APR* over current dividend rate, or flat rate of 4%, whichever is greater.

*APR is Annual Percentage Rate.
 

 

Home Equity Loans

Term (months)	Excellent Credit (APR*)	Good Credit (APR*)	Average Credit (APR*)	Fair Credit (APR*)
60	3.99%	4.99%	5.99%	6.99%
120	4.25%	5.24%	6.24%	7.24%
180	4.49%	5.49%	6.49%	7.49%
240	4.99%	5.99%	6.99%	7.99%

*APR is Annual Percentage Rate.
 

 

Credit Cards

Card	Rate (APR*)
Mastercard Gold	7.99% - 9.99%
Mastercard	13.99% - 19.99%
Mastercard Secured	12.90%

*APR is Annual Percentage Rate.