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Rates

Effective December 7, 2022

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
0.40%
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
2.00%
2.75%
2.40%
2.60%
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%
_______
2.75%
2.40%
2.60%
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*)
1-424.99%5.24%6.24%8.49%11.99%16.74%
43-665.24%5.49%6.49%8.74%12.24%16.99%
67-785.74%5.99%6.99%9.74%13.99%17.99%
79-845.99%6.24%7.24%10.74%15.74%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*)
1-425.74%6.24%6.74%10.24%14.49%17.49%
43-666.24%6.74%7.24%10.74%15.24%17.74%
**67-786.74%7.24%7.74%11.24%15.74%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.
*67-78 month term category applies to Motorcycles only.
 
Boats, RV, Trailers, Campers
Term (months)Excellent Credit (APR*)Good Credit (APR*)Average Credit (APR*)Fair Credit (APR*)Marginal Credit (APR*)Poor Credit (APR*)
1-425.74%6.24%6.74%9.24%12.49%15.49%
43-666.24%6.74%7.24%9.74%13.24%15.74%
67-846.49%6.99%7.49%9.99%13.74%N/A
85-1206.74%7.24%7.74%10.74%14.74%N/A
**121-1807.74%8.24%8.74%11.74%N/AN/A
*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.
**121-180 term for loan amounts over $50k.

 

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%14.99%16.99%17.99%
13-3610.99%11.99%13.99%15.49%17.49%17.99%
37-6011.99%12.99%14.99%15.99%17.99%17.99%
*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*)
604.74%5.74%6.74%
1205.24%6.24%7.24%
1805.74%6.74%7.74%
2406.49%7.49%8.49%
*APR is Annual Percentage Rate.

 

Credit Cards
CardRate (APR*)
Visa Empower Card8.99% - 17.99%
Visa Evolve Secured Card14.99%
*APR is Annual Percentage Rate.

 

Personal Line of Credit
Excellent Credit (APR*)Good Credit (APR*)Average Credit (APR*)Fair Credit (APR*)Marginal Credit (APR*)Poor Credit (APR*)
10.99%12.99%14.99%16.99%17.99%17.99%
*APR is Annual Percentage Rate.
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