Rates

*APR = Annual Percentage Rate. Rates are effective March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. In-house refinances are not eligible. Auto rates are eligible for protection product discounts. Discounts vary by protection product. The lowest discounted rate with the purchase of protection products is 6.19% APR (up to 60 months). Payment per $1,000 is approximately $19.42 per month for 60 months at 6.19% APR.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $21.15 per month for 60 months at 9.80% APR.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.75 per month for 48 months at 10.80% APR.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024.
Dividends on all accounts will be calculated on the daily balance during the dividend period. The rates and APY may change after the account is opened. The balance tier determines the daily dividend rate and APY on the daily account balance. Fees or other conditions may reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings. A minimum daily balance of $5 must be maintained in this account.

*APY = Annual Percentage Yield. APY offered the period of April 1 - 30, 2024. A penalty will be imposed for early withdrawal. A withdrawal of all or any portion of the principal prior to maturity will cause automatic termination of the Certificate Account. For a Certificate with a term of one year or less, the penalty will be equal to 30 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term over one year but less than three years, the penalty will be equal to 60 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term of three years or more, the penalty will be equal to 90 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate.

**The minimum balance to earn the advertised APY is $25,000 for a 6-month term at the higher rate and $500 for all other Certificate terms.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024.
Dividends on all accounts will be calculated on the daily balance during the dividend period. The rates and APY may change after the account is opened. The balance tier determines the daily dividend rate and APY on the daily account balance. Fees or other conditions may reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

*APY = Annual Percentage Yield. APY offered the period of April 1 - 30, 2024. A penalty will be imposed for early withdrawal. A withdrawal of all or any portion of the principal prior to maturity will cause automatic termination of the Certificate Account. For a Certificate with a term of one year or less, the penalty will be equal to 30 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term over one year but less than three years, the penalty will be equal to 60 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term of three years or more, the penalty will be equal to 90 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate.

**The minimum balance to earn the advertised APY is $25,000 for a 6-month term at the higher rate and $500 for all other Certificate terms.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. Dividends are calculated on the daily balance during the dividend period and paid to the account monthly. The balance tier determines the daily dividend rate and APY on the daily account balance. Fees or other conditions could reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $19.57 per month for 60 months at 6.50% APR.

**Independent appraisal (at member's expense) required on Home Equity Loans over $100,000.

*APR means Annual Percentage Rate. Rates are effective as of August 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $8.21 per month for 240 months at 7.75% APR.

**Independent appraisal (at member's expense) required on a Home Equity Line of Credit over $100,000.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $19.80 per month for 60 months at 7.00% APR.

**Independent appraisal (at member's expense) required on Home Equity Loans over $100,000.

*APR= Annual Percentage Rate effective as of November 7, 2023. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing is available for properties in Texas. Membership eligibility is required. Loan subject to credit approval. A minimum loan amount may apply. Rate based on the loan amount and CLTV (combined loan-to-value) ratio. The rate may differ. Rates and terms are subject to change at any time without notice; other restrictions may apply. Maximum CLTV on primary residences in Texas up to 80%. The borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, and recording fee. Property insurance is required, including flood insurance where required. Payment per $1,000 is approximately $9.85 per month for 180 months at 8.50% APR.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. New money only. Transfers from other United Texas accounts will only be allowed when a member brings in an equal amount of new money from outside the credit union. The minimum balance to earn the higher APY is $2,500. Dividends are based on the daily balance and are paid to the account monthly. Fees or other conditions could reduce the earnings on the account. Each withdrawal in excess of three per statement period will incur a fee. Withdrawal requests of $1,000,000 or more require 24 hours of advance notice.

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

*APR = Annual Percentage Rate. Rates are effective as of September 19, 2023.
Minimum interest charge = None. Available APR: 15.00%

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. Dividends are based on the daily balance during the dividend period and are paid to the account monthly. The balance tier determines the daily dividend rate and APY on the daily account balance. Fees or other conditions could reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $21.00 per month for 60 months at 9.50% APR.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.85 per month for 48 months at 11.00% APR.

*APR = Annual Percentage Rate. Rates are effective as of August 1, 2023.
Minimum interest charge = None. Available APRs: 14.25%, 17.99% (all variable)

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024.
Dividends on all accounts will be calculated on the daily balance during the dividend period. The rates and APY may change after the account is opened. The balance tier determines the daily dividend rate and APY on the daily account balance. Fees or other conditions may reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $20.88 per month for 60 months at 9.25% APR.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.48 per month for 48 months at 10.00% APR.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. Dividends are calculated on the daily balance during the dividend period and paid to the account monthly. Fees or other conditions could reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.

*APR = Annual Percentage Rate. Rate effective as of August 1, 2023.
Minimum interest charge = None.
Secured shares must equal 120% of the credit limit.
Foreign Transaction Fee = up to 1% of each transaction in U.S. dollars.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

*APR means Annual Percentage Rate. Rates are effective as of March 1, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $88.61 per month for 12 months at 11.49% APR.

*APR = Annual Percentage Rate. Rate effective as of August 1, 2023.
Minimum interest charge = None.
Foreign Transaction Fee = up to 1% of each transaction in U.S. dollars.

*APR means Annual Percentage Rate. Rates are effective as of February 21, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Student loans serviced by LendKey Technologies, Inc., NMLS #1266627.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. Dividends are calculated on the daily balance during the dividend period and paid to the account monthly. Fees or other conditions could reduce the earnings on the account. Payment of dividends is subject to the availability of earnings.

*APY = Annual Percentage Yield. APY is accurate as of April 1, 2024, and may change after the account is opened. Dividends are calculated on the daily balance during the dividend period and paid to the account monthly. Fees or other conditions could reduce the earnings on the account. Payment of all dividends is subject to the availability of earnings.