Savings Rates
Savings, checking, money market, HSA and certificate rates effective 11/19/2024
Savings
| Account Type |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| Savings |
0.30% |
$5 |
$100 |
$0 |
| Business Savings |
N/A |
$5 |
N/A |
$0 |
| Dollar Squad Savings |
1.00% |
$5 |
$5 |
$0 |
| cha-ching! Savings |
1.00% |
$5 |
$5 |
$0 |
| Thr!ve Savings |
1.00% |
$5 |
$5 |
$0 |
| IRA Savings |
2.00% |
$5 |
$100 |
$0 |
|
Balance Tier
|
Prospective Annual % Yield |
Minimum to Open
|
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| $0 To $499.99 |
0.30% |
$0 |
$0.01 |
$0 |
| $500 to $25,000 |
4.50% |
$0 |
$500 |
$0 |
| $25,000+ |
0.30% |
$0 |
$10,000 |
$0 |
| Account Type |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| Choice Checking |
N/A |
$15 |
$0 |
$0 |
| Business Checking |
N/A |
$15 |
$0 |
$0 |
| Choice Plus Checking |
0.10% |
$15 |
$500 |
$500 |
HSA Checking
| Account Type |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| Single HSA |
2.00% |
$5 |
$500 |
$0 |
| Family HSA |
2.00% |
$5 |
$500 |
$0 |
Thr!ve Checking
| Balance Tier |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| $.01 to $500 |
0.50% |
$0 |
$.01 |
$0 |
| $500.01 or greater |
0.10% |
$0 |
$500.01 |
$0 |
Choice Advantage Checking
| Balance Tier |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| $500 to $9,999.99 |
0.10%
|
$15 |
$500 |
$10,000 |
| $10,000 to $24,999.99 |
0.15% |
$15 |
$10,000 |
$10,000 |
| $25,000 to $49,999.99 |
0.20% |
$15 |
$25,000 |
$10,000 |
| $50,000 or greater |
0.30% |
$15 |
$50,000 |
$10,000 |
Money Market
| Balance Tier |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| Under $2,500 |
N/A |
$2,500 |
$2,500 |
$0 |
| $2,500 to $49,999.99 |
1.15 %
|
$2,500 |
$2,500 |
$0 |
| $50,000 to $99,999.99 |
1.30%
|
$2,500 |
$50,000 |
$0 |
| $100,000 to $249,999.99 |
2.25%
|
$2,500 |
$100,000 |
$0 |
| $250,000+ |
2.55%
|
$2,500 |
$250,000 |
$0 |
| Term |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| 6-month4 |
3.05 %
|
$1,000 |
$1,000 |
$0 |
| 12-month4 |
4.00 %
|
$1,000 |
$1,000 |
$0 |
| 18-month4 |
3.80 %
|
$1,000 |
$1,000 |
$0 |
| 24-month4 |
3.00 %
|
$1,000 |
$1,000 |
$0 |
| 36-month4 |
3.00 %
|
$1,000 |
$1,000 |
$0 |
| 48-month4 |
3.00 %
|
$1,000 |
$1,000 |
$0 |
| 60-month4 |
3.00 %
|
$1,000 |
$1,000 |
$0 |
Bump Rate Certificates
| Term |
Prospective Annual % Yield |
Minimum to Open |
Minimum Daily Balance to Earn Dividends1 |
Minimum to Avoid Service Charge2 |
| 48-month5 |
2.50%
|
$1,000 |
$1,000 |
$0 |
1 You must maintain the disclosed minimum daily balance in your Account to obtain the disclosed Annual Percentage Yield. You will not earn dividends on any day your Account balance is below the required minimum daily balance.
2 You must maintain the disclosed minimum daily balance in your Account to avoid a Service Charge. If during any month your Account balance is below the required minimum, your Account will be subject to a Below Minimum Balance Service Charge for that month as set forth in the Fee Schedule.
3 Uniform Transfers to Minor Act Accounts only.
4 Stated rate also applies to IRA and Roth IRA Term Share Certificates, penalty for early withdrawal.
5 Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member.
Loan Rates
Auto, boat, motorcycle, RV, ATV, farm equipment, personal, and secured loan rates effective 10/17/2024
New Auto
| Term |
APR* as low as1 |
Estimated Payment |
| 36-month |
4.49% |
$29.74 per $1,000 for 36 months |
| 60-month |
4.89% |
$18.82 per $1,000 for 60 months |
| 72-month |
5.39% |
$16.29 per $1,000 for 72 months |
| 84-month |
6.29% |
$14.75 per $1,000 for 84 months |
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 10/17/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
Pre-Owned Auto
| Term |
APR* as low as1 |
Estimated Payment |
| 36-month |
4.99% |
$29.97 per $1,000 for 36 months |
| 60-month |
5.39% |
$19.05 per $1,000 for 60 months |
| 72-month |
5.89% |
$16.52 per $1,000 for 72 months |
| 84-month |
7.04% |
$15.11 per $1,000 for 84 months
|
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 10/17/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.
Boats & Motorcycles
| Term |
APR* as low as1 |
Estimated Payment |
| 36-month |
7.24% |
$30.99 per $1,000 for 36 months |
| 60-month |
7.24% |
$19.91 per $1,000 for 60 months |
| 72-month |
7.74% |
$17.41 per $1,000 for 72 months
|
| 120-month (boat only) |
8.24% |
$12.26 per $1,000 for 120 months |
| 180-month (boat only) |
9.24% |
$10.29 per $1,000 for 180 months |
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 10/17/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.
RVs
| Term |
APR* as low as1 |
Estimated Payment |
| 36-month |
7.24% |
$30.99 per $1,000 for 36 months |
| 60-month |
7.24%
|
$19.91 per $1,000 for 60 months |
84-month
|
7.74%
|
$15.46 per $1,000 for 84 months |
120-month
|
8.24%
|
$12.26 per $1,000 for 120 months |
| 180-month |
9.24% |
$10.29 per $1,000 for 180 months |
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary. Rates effective 10/17/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.
ATV & Farm Equipment
| Term |
APR* as low as1 |
Estimated Payment |
| 36-month |
8.49% |
$31.56 per $1,000 for 36 months |
60-month
|
8.49% |
$20.51 per $1,000 for 60 months |
| 72-month |
8.99% |
$18.02 per $1,000 for 72 months |
| 84-month |
9.49% |
$16.34 per $1,000 for 84 months |
| 96-month |
9.99% |
$19.11 per $1,000 for 96 months |
| 120-month |
10.49% |
$13.49 per $1,000 for 120 months
|
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary, Rates effective 10/17/2024 and subject to change at any time As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance and a loan-to-value less than 80%. Existing Texell loans not eligible for refinance.
Personal Loans
| Term |
APR* as low as1 |
Estimated Payment |
| 12-month |
9.99% |
$87.56 per $1,000 for 12 months |
24-month
|
9.99%
|
$45.79 per $1,000 for 24 months |
| 48-month |
10.49%
|
$25.24 per $1,000 for 48 months |
| 72-month |
11.99% |
$19.16 per $1,000 for 72 months |
1APR = Annual Percentage Rate. All loans are subject to credit approval and individual rates will vary, Rates effective 10/17/2024 and subject to change at any time. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance. Existing Texell loans not eligible for refinance.
Shared Secure, Term Share Secured
| Type |
APR* as low as1 |
| Deposit Rate Plus |
2.50% |
Home Equity Loans
Home equity, land and mortgage loan rates effective 11/18/2024
| Term |
APR* as low as1
(1st Lien) |
APR* as low as1
(2nd Lien) |
Estimated Payment
1st Lien: top; 2nd Lien: bottom
|
| 60-month |
5.99%
|
6.99% |
$19.33 per $1,000 for 60 months
$19.80 per $1,000 for 60 months
|
| 120-month |
6.24%
|
7.24% |
$11.22 per $1,000 for 120 months
$11.73 per $1,000 for 120 months |
| 180-month |
6.49%
|
7.49% |
$8.71 per $1,000 for 180 months
$9.26 per $1,000 for 180 months |
| 240-month |
6.99%
|
Not available |
$7.75 per $1,000 for 240 months
2nd Lien not available |
Land Loans & Unimproved Property
| Term |
APR* as low as1 |
Estimated Payment |
| 60-month |
7.32% |
$19.95 per $1,000 for 60 months |
| 120-month |
7.67% |
$11.96 per $1,000 for 120 months |
| 180-month |
8.12% |
$9.63 per $1,000 for 180 months |
¹ Loans currently financed with Texell are not eligible for refinance. The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.
Rates subject to change without notice. Rates are available to qualified borrowers. Applicants must qualify based on Texell's underwriting guidelines. VR equals Variable Rate. Longer terms available. Rates shown are based on a discount for additional credit union services. Contact the Credit Union for details.
| Type & Term |
Rate1 |
APR2 |
Points |
Lender Fee |
Estimated Payment3 |
| 30-year Fixed |
6.875%
|
6.975%
|
0% |
0.50% |
$6.64 per $1,000 for 360 months
|
| 15-year Fixed |
6.125%
|
6.285%
|
0% |
0.50% |
$8.59 per $1,000 for 180 months
|
| FHA 30-year Fixed |
6.625%
|
6.724%
|
0% |
0% |
$6.47 per $1,000 for 360 months |
| FHA 15-year Fixed |
6.125%
|
6.285%
|
0% |
0% |
$8.59 per $1,000 for 180 months |
| USDA 30-year Fixed |
6.750% |
6.850% |
0% |
0%
|
$6.55 per $1,000 for 360 months |
| VA 30-year Fixed |
7.125%
|
7.227%
|
0% |
0% |
$6.81 per $1,000 for 360 months
|
| VA 15-year Fixed |
6.750%
|
6.913%
|
0% |
0% |
$8.94 per $1,000 for 180 months |
| Investment Property 10-year Fixed |
7.500% |
7.923% |
1.130% |
1.00% |
$12.09 per $1,000 for 120 months |
| Investment Property 15-year Fixed |
7.500%
|
7.804%
|
1.036% |
1.00% |
$9.44 per $1,000 for 180 months |
| Investment Property 20-year Fixed |
8.625% |
8.882% |
0% |
1.00% |
$8.92 per $1,000 for 240 months |
| Investment Property 30-year Fixed |
8.625% |
8.829% |
0.025% |
0.50% |
$7.92 per $1,000 for 360 months |
These examples are based on a 80% LTV and a 740 or higher FICO score (excluding VA Loans).
Rates are subject to change without notice and may vary depending upon credit history, loan programs and loan terms. Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com.
¹ Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate
3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.
