membership

Checking & Savings Rates

Deposit Account Rates

Rates Effective November 1, 2016 - Rates Subject to Change.
Type of AccountDividend RatesAnnual Percentage Yield (APY)
Shares.10.10
Regular Checking.05.05
A+ Club Checking.05.05
IRA’s.30.30
Certificate Term ($1000 minimum)
60 months.90.90
48 months.80.80
36 months.70.70
24 months.60.60
18 months.50.50
12 months.40.40
6 months.30.30
Money Market
$2,500-$49,000.10 %.10 %
$50,000-$99,000.15 %.15 %
$100,000+.20 %.20 %

Rates are available as of dates published.  Dividend rate and annual percentage yield are subject to change without prior notice.  Fees and withdrawal of dividend transactions on your account will cause a reduction in earnings.  APY assumes dividends will remain in account.  The minimum balance for Share Certificates is $1,000; IRAs is $250; Money Market Accounts is $2,500.  Rates for Share Certificates and Money Market Accounts are tiered based on amount of deposit.

Home Loan Rates

Current Rates

Rates Effective June 28, 2012 - Rates Subject to Change.
LoanYearMinimum Available RateMaximum Available Rate
Home Loans**105.125%6.000%
155.375%6.250%
205.999%6.875%
5 yr balloon***4.999%5.875%
Residential Lot Loans55.75%8.25%
106.25%8.75%
156.75%9.25%
3 yr balloon****5.25%7.75%
Home Equity Loans53.99%6.50%
105.25%7.75%
155.75%8.25%
206.25%8.75%
306.75%9.25%
Home Improvement Loans56.50%9.00%
107.00%9.50%
157.50%10.00%

Note: There are no application fees for real estate loans. Rates are based on qualified credit and term. Rates and terms are subject to change without prior notice; other restrictions may apply. Real estate loans are subject to closing cost fees.

*APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR. Please call us at 956-722-3971.

**Loans exceeding 80% Loan to Value will require Private Mortgage Insurance (PMI). If PMI is denied, a 10% down payment will be required.

***The 5-year balloon note may be amortized over a maximum of twenty years; however, the balance matures and is payable on the fifth year.

****The 3-year balloon note may be amortized over a maximum of ten years; however, the balance matures and is payable on the third year.

Lender licensed by the National Mortgage Licensing System under registration number 477589.

Loan Rates

Current Rates

Rates Effective January 30, 2016 - Rates Subject to Change


 TermAPR%* (LOW)
APR%* (LOW)
New Vehicle
245.75%10.50%
366.25%12.00%
486.75%9.75%
607.25%10.75%
727.75%11.75%
Used Vehicle
246.00%11.50%
366.50%13.00%
487.00%10.25%
607.50%11.25%
728.00%12.25%
Motorcycle
366.50%6.50%
487.00%7.00%
607.50%7.50%
Signature Loans127.00%18.00%
247.50%18.00%
368.00%18.00%
4810.00%18.00%
Share Loan
Member Pledge Share Rate - 2.000% above the dividend rate
Shares Other than Owner of Collateral - 3.000% above the dividend rate

*APR means Annual Percentage Rate.

Rates are based on qualified credit and term of the loan.

Rates are subject to change without prior notice; other restrictions may apply.

Rates Disclosures

Consumer Loan

Annual Percentage Rate (APR) of 7.00% is based on loans with repayment up to 12 months and subject to credit approval.  The specific rate and term will depend on your credit rating.  Rates and terms are subject to change without prior notice; other restrictions may apply.

Home Loan

Annual Percentage Rate (APR) of 5.125% is based on loans with repayments up to 120 months. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your finance charge. Rates and terms are subject to change without prior notice; other restrictions may apply. Loan example: $65,000 at 5.125% with terms of 120 months equate to $493 principal and interest payments.

Auto Loan

Annual Percentage Rate (APR) of 2.990% is based on loans with repayment up to 60 months and subject to credit approval.  The specific rate and term will depend on your credit rating.  Rates and terms are subject to change without prior notice; other restrictions may apply.