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.



Vehicle Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed* Terms Available (Months)
New Autos
(Model year 2020 or newer)
 2.69% $17.83 60 - 84
Used Autos
(Model year 2019 or older)
 2.69% $17.83

60 - 84
New Boats
(Current model year only)
 5.09% $10.65

120 - 180
Used Boats 5.34% $10.77 120 - 180
New Motorhomes
(Current model year only)
 5.63% $10.92

120 - 180
Used Motorhomes 5.88% $11.04 120 - 180
New Motorcycle, ATV, or Jet-Ski (Current model year only) 4.87% $10.54 72
Used Motorcycle, ATV, or Jet-Ski 5.12% $10.67 72

Personal Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed Terms Available (Months)*
Signature/Personal 8.79% $20.66 60
Unsecured Line of Credit 8.30% N/A N/A
Lightning Fast Home Improvement Loan 5.80% $19.24 60
Share-Secured Loan 2.80% $17.88 60
Lifestyle Loan 8.30% $20.42 60

Credit Cards

Credit Card
APR* as low as
 Annual Fee Rewards Earning Rate
MasterCard Platinum 8.99% $0 N/A
MasterCard Platinum Rewards 9.99% $0 Up to 2X Rewards for Qualifying Purchases1
MasterCard WorldCard 10.99% $0 Up to 3X Rewards for Qualifying Purchases1
 Rates effective as of 05/01/2022 and subject to change without notice. 


Home Loans


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


*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.
(Opens in a new Wind*Loan Discounts: All loans are eligible for the following discounts:  -.05% for LifePlus Debt Protection or -0.10% for LifePlus Disability and/or LifePlus Involuntary Unemployment Debt Protection (excludes Visa/LOC) and -0.10% for automatic payments.  Auto, Boat, RV, Motorhome, and Motorcycle Loans are eligible for an additional discount of -0.10% when GAP coverage is purchased.  Auto loans are eligible for discounts of -0.20% for Extended Warranty; -0.20% for Multi-Shield coverage.  Maximum rate discount on Auto loans is -.70% off approved base rate.
Credit Card Offer: 0% APR is only valid for new cards, 12 months after card opening. After the 12-month introductory period, your rate will be the agreed-upon rate at the time of card opening.  See our Credit Card Agreement and Disclosures.
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.