Our Current Rates

We offer competitive loan rates on a variety of products. If you would like to open an account with us, you can apply online or by phone.
 
Click below to view your rate with no impact to your credit score.

Vehicle Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed* Terms Available  (Months)
New Autos
(Model year 2023 or newer)
 5.00 % $18.65 48 - 84
Used Autos
(Model year 2022 or older)
 5.00 % $18.65

48 - 84
New Boats
(Current model year only)
 9.15 % $19.55

84-180
Used Boats 10.15 % $19.66 84-180
New Motorhomes/Travel Trailers
(Current model year only)
 9.15 % $19.92

84-180
Used Motorhomes/Travel Trailers 10.15 %
 $20.04 84-180
New Motorcycle, ATV, or Jet-Ski (Current model year only)
10.15 %
 $19.55 72 - 84
Used Motorcycle, ATV, or Jet-Ski 10.40 %
 $19.68 72

Personal Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed Terms Available Up To (Months)*
Signature/Personal 11.75 % $20.73 60
Unsecured Line of Credit 8.50 % N/A N/A
Lightning Fast Home Improvement Loan 9.75 % $19.86 60
Share-Secured Loan 3.00 %
 $18.90 60

Credit Cards

Credit Card
APR* as low as
 Annual Fee Rewards Earning Rate
MasterCard Platinum 12.49 % $0 N/A
MasterCard Platinum Rewards 13.49 % $0 Up to 1.5X Rewards for Qualifying Purchases1
MasterCard WorldCard 14.49 % $0 Up to 2X Rewards for Qualifying Purchases1
 Rates effective as of 4/1/2026 and subject to change without notice. 
 

Home Loans

For rates on our Home Equity Loan or Mortgages, please call us at (832) 604-4848.

Learn More

*APR = Annual Percentage Rates. Rates are subject to change without notice. APR is accurate as of the last declaration date. Not an offer to lend. Subject to credit and underwriting guidelines. We do business in accordance with the Equal Housing Lender.

*Loan Discounts:  All loan types are eligible for the following discounts: .25% for Credit Life Protection; Life /Disability; Life /IU; (excludes Visa/LOC) and .15% for automatic payments or ECCU checking account.  Auto & Toy loans are eligible for the following additional discounts: .10% GAP, Auto loans are eligible for the following additional discounts: .25% Ext. Warranty; .25% Multishield. 90-Day no payment for auto refinances; internal refinances excluded; credit score 660 and above eligible

1Qualifying Purchases: Gas, groceries and restaurant purchases are considered qualifying. You will automatically earn cash back on qualifying purchases (less any credits, returns and adjustments). Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards.

NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency.

*Payment Examples: Payment calculations are based on the lowest available rate (with maximum discounts) over a 60-month term.