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Financial Calculators

Auto Loan Rates Certified by Datatrac

Loan rate, term and amount financed are determined by credit worthiness. Final rate and term are assigned at time of application approval. Additional vehicle loan rate discounts are available with our Relationship Rewards or Vehicle Protection Package programs!*

Rates advertised are the lowest possible rates and are not eligible for additional discounts.

Loan Types APR* as low as Term (months)
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2000 - 2015 1.750 up to 60
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006 - 2015 (minimum $15,000) 1.750 66
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006 - 2015 (minimum $20,000) 1.750 72
Platinum MasterCard® 8.990 n/a
Starter MasterCard® 15.000 n/a
Farm Equipment (90% Appraisal value) 10.000 60
Home Equity (Texas only) (minimum $10,000) 2.750 up to 60
Home Equity (Texas only) (minimum $10,000) 3.750 up to 144
Home Equity (Texas only) (minimum $10,000) 3.990 up to 180
Line of Credit (LOC) 12.000 n/a
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) 5.250 up to 60
Used Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) 5.750 up to 48
New RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 4.250 up to 60
New RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 5.500 up to 84
New RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 6.000 up to 96
New RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (minimum $30,000) 6.250 up to 144
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 4.750 up to 48
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 5.250 up to 60
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (minimum $20,000) 6.500 up to 84
Share-Secured Loan (100% Secured) Rate + 1.50% 120
Certificate-Secured Loan (100% Secured) Rate + 1.50% n/a
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) up to $10,000 7.750 12
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) up to $10,000 8.250 18
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $3,000 - $10,000 8.500 24
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $4,000 - $10,000 8.750 36
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $4,000 - $10,000 9.500 46
New Personal Computer (100% of purchase price) up to $4,000 7.250 12
New Personal Computer (100% of purchase price) up to $4,000 8.250 18
New Personal Computer (100% of purchase price) up to $4,000 8.500 24
Signature 7.000 12
Signature 9.000 18
Signature 10.000 24
Signature 11.000 up to 48
Unimproved Property Loan (Vacant Land) $10,000 - $250,000 8.000 180

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2014. Rates are subject to change.

Account Types Dividend Rate APY*
Premium Reward Checking (Balance Up To $25,000 & Requirements Met) 0.25 0.25
Premium Reward Checking (Balance over $25,000 & Requirements Met) 0.10 0.10
Premium Reward Checking (Entire Balance & Requirements Not Met) 0.00 0.00
Checking (All Balances) 0.05 0.05
Savings ($5.00 and Over) 0.05 0.05
Money Market (Balance $0 - $49,999.99) 0.00 0.00
Money Market (Balance $50,000 - over) 0.05 0.05
Liquid Asset Account (Balance Up To $499.99)** 0.05 0.05
Liquid Asset Account (Balance $500 and Over)** 0.15 0.15
Health Savings Account ($100 - $500.99) 0.50 0.50
Health Savings Account (Balance $501 - $1,000.99) 0.75 0.75
Health Savings Account (Balance $1,001 and Over) 1.00 1.00
Vacation/Christmas Club Account (Balance $5 - $14,999.99) 0.35 0.35
Vacation/Christmas Club Account (Balance $15,000 and Over) 0.05 0.05
Traditional and Roth IRAs & Education Savings Account (Balance $100 and Over) 0.25 0.25

*APY = Annual Percentage Yield. APY is accurate as of December 1, 2014 and may change after the account is opened. Dividends are based on the daily balance and paid to the account monthly, Fees or other conditions could reduce the earnings on the account.

**Variable rate account subject to change when the Federal Funds rate changes.

Certificate Types Dividend Rate APY* Term (months)
Certificate & IRA Certificate Specials 0.40 0.40 9
Certificate & IRA Certificate Specials 0.60 0.60 18
Certificates & IRA Certificates 0.10 0.10 2
Certificates & IRA Certificates 0.20 0.20 3
Certificates & IRA Certificates 0.30 0.30 6
Certificates & IRA Certificates 0.35 0.35 12
Certificates & IRA Certificates 0.65 0.65 24
Certificates & IRA Certificates 0.90 0.90 36
Certificates & IRA Certificates 1.00 1.00 48
Certificates & IRA Certificates 1.40 1.41 60
Jumbo Certificates ($100,000 and Up) 0.20 0.20 2
Jumbo Certificates ($100,000 and Up) 0.30 0.30 3
Jumbo Certificates ($100,000 and Up) 0.35 0.35 6
Jumbo Certificates ($100,000 and Up) 0.60 0.60 12

*APY = Annual Percentage Yield. APY offered period of December 18 - 24, 2014. Minimum balance to earn APY $500 for Certificates & IRA Certificates and $100,000 for Jumbo Certificates & Jumbo IRA Certificates. A penalty will be imposed for early withdrawal.

Club 21 Certificates (ages 18-21) have dividend rates 0.25% higher than the above published rates. Minimum opening deposit = $250.00.