Rates
Effective October 1, 2020
Account Rates
Savings Accounts
| Account | Balance | Rate (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 Deposit | 6-Month Term 1 Year Term 2 Year Term 3 Year Term | 0.30% 0.50% 0.65% 0.75% | 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% _______ 0.50% 0.65% 0.75% | 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% 0.05% | 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*) |
|---|---|---|---|---|---|---|
| 1-42 | 2.49% | 2.74% | 3.49% | 5.74% | 9.24% | 13.99% |
| 43-66 | 2.99% | 3.24% | 3.99% | 6.24% | 10.24% | 14.49% |
| 67-78 | 3.74% | 4.49% | 4.99% | 7.74% | 11.99% | 16.24% |
| 79-84 | 4.49% | 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*) |
|---|---|---|---|---|---|---|
| 1-42 | 4.49% | 4.99% | 5.49% | 7.99% | 11.24% | 14.24% |
| 43-66 | 4.99% | 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*) |
|---|---|---|---|---|---|---|
| 1-42 | 4.49% | 4.99% | 5.49% | 7.99% | 11.24% | 14.24% |
| 43-66 | 4.99% | 5.49% | 5.99% | 8.49% | 11.97% | 14.49% |
| 67-78 | 5.49% | 5.99% | 6.49% | 8.99% | 12.49% | |
| 79-180 | 6.49% | 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*) |
|---|---|---|---|---|---|---|
| 1-12 | 9.99% | 10.99% | 12.99% | 13.99% | 15.99% | 17.99% |
| 13-36 | 10.49% | 11.49% | 13.49% | 14.49% | 16.49% | 18.49% |
| 37-60 | 10.99% | 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*) |
|---|---|---|---|
| 60 | 2.99% | 3.99% | 4.99% |
| 120 | 3.24% | 4.24% | 5.24% |
| 180 | 3.74% | 4.74% | 5.74% |
| 240 | 4.24% | 5.24% | 6.24% |
*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.
Federally Insured by the NCUA | Equal Opportunity Lender | Site By On The Mark Strategies | NMLS #01624130 | Site Map
Federally Insured by the NCUA
Equal Opportunity Lender
Site By On The Mark Strategies
NMLS #01624130 | Site Map