Rates

Effective November 1, 2019

Account Rates

 
Savings Accounts
AccountBalanceRate (APY*)Dividends
Membership Savings$0 - $99
$100+
0.00%
0.10%
Compounded Quarterly
Holiday Savings
$0 - $99
$100 - $2,499
$2,500+
0.00%
0.20%
0.10%
Compounded Annually
Enhanced Savings$0 - $99
$100 - $2,499
$2,500+
0.00%
0.20%
0.10%
Compounded Monthly
Enhanced Savings with Member Rewards$2,500 - $249,999
0.30%
Compounded Monthly
Youth Membership Savings$0 - $500
$501+
2.00%
0.10%
Compounded Quarterly
Certificates of Deposit6-Month Term
1 Year Term
2 Year Term
3 Year Term
0.75%
1.60%
1.85%
1.95%
Compounded Monthly
Individual Retirement AccountsTraditional IRA Savings
ROTH IRA Savings
________________________
IRA/1 Year CD
IRA/2 Year CD
IRA/3 Year CD
0.40%
0.40%
_______
1.60%
1.85%
1.95%
Compounded Monthly
Compounded Monthly
_________________________
Compounded Monthly
*APR is Annual Percentage Rate.

 

Checking Accounts
AccountBalanceRate (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*)
1-423.29%3.54%4.29%6.54%10.04%14.79%
43-663.54%3.79%4.54%6.79%10.79%15.04%
67-78 ($25k+)4.24%4.99%5.49%8.49%12.49%
79-84 ($35k+)4.99%5.74%6.24%9.49%
*APR is Annual Percentage Rate.
Year End Auto Savings Event discount up to .55% APR until December 31st. Learn More

Year end discount includes .25% APR off for having a previous loan(s) with TXDPSCU. Previous or current loans must have satisfactory payment history.

 

Motorcycles, ATV, Personal Water Craft 
Term (months)Excellent Credit (APR*)Good Credit (APR*)Average Credit (APR*)Fair Credit (APR*)Marginal Credit (APR*)Poor Credit (APR*)
1-424.99%5.49%5.99 %8.49%11.74%14.74%
43-665.49%5.99%6.49%8.99%12.47%14.99%
*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.
 
Boats, RV, Trailers, Campers
Term (months)Excellent Credit (APR*)Good Credit (APR*)Average Credit (APR*)Fair Credit (APR*)Marginal Credit (APR*)Poor Credit (APR*)
1-424.99%5.49%5.99 %8.49%11.74%14.74%
43-665.49%5.99%6.49%8.99%12.47%14.99%
67-78 ($25k+)5.99%6.49%6.99%9.49%12.99%
79-120 ($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*)
1-609.90%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 Membership Savings 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*)
603.49%4.49%5.49%
1203.75%4.74%5.74%
1804.24%5.24%6.24%
2404.74%5.74%6.74%
*APR is Annual Percentage Rate.
 

 

Credit Cards
CardRate (APR*)
Mastercard Gold7.99% - 9.99%
Mastercard13.99% - 19.99%
Mastercard Secured12.90%
*APR is Annual Percentage Rate.
Skip to content