Rates

Effective October 1, 2020

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
0.30%
0.50%
0.65%
0.75%
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%
_______
0.50%
0.65%
0.75%
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%
0.05%
Compounded Monthly
Youth Checking$0 - $4,999
$5,000+
0.00%
0.05%
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*)
1-422.49%2.74%3.49%5.74%9.24%13.99%
43-662.99%3.24%3.99%6.24%10.24%14.49%
67-783.74%4.49%4.99%7.74%11.99%16.24%
79-844.49%5.24%5.74%8.74%13.74%17.99%
*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. Vehicles over 7 years and/or 100,000 miles are subject to a rate increase. 

 

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*)
1-424.49%4.99%5.49%7.99%11.24%14.24%
43-664.99%5.49%5.99%8.49%11.97%14.49%
*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.
 
Boats, RV, Trailers, Campers
Term (months)Excellent Credit (APR*)Good Credit (APR*)Average Credit (APR*)Fair Credit (APR*)Marginal Credit (APR*)Poor Credit (APR*)
1-424.49%4.99%5.49%7.99%11.24%14.24%
43-664.99%5.49%5.99%8.49%11.97%14.49%
67-785.49%5.99%6.49%8.99%12.49%
79-1806.49%6.99%7.99%10.99%14.24%
*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*)
1-129.99%10.99%12.99%13.99%15.99%17.99%
13-3610.49%11.49%13.49%14.49%16.49%18.49%
37-6010.99%11.99%13.99%14.99%16.99%18.99%
*APR is Annual Percentage Rate. Personal loans over $10,000 are subject to a rate increase. 

 

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*)
602.99%3.99%4.99%
1203.24%4.24%5.24%
1803.74%4.74%5.74%
2404.24%5.24%6.24%
*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.
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