United Texas Credit Union

Rates

United Texas Credit Union

Rates

Auto Loan – New/Used

2010 – 2025 Model Yearsas low as 5.69% APR*up to 60 months
2015 – 2025 Model Years
(minimum $20,000)
as low as 5.69% APR*up to 66 months
2018 – 2025 Model Years
(minimum $25,000)
as low as 5.69% APR*up to 72 months
2021 – 2025 Model Years
(minimum $35,000) (max LTV = 120%)
as low as 6.59% APR*up to 84 months

*APR = Annual Percentage Rate. Rates are effective January 8, 2025. 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 5.69% APR (up to 60 months). Payment per $1,000 is approximately $19.19 per month for 60 months at 5.69% APR.

Boat – New

New Boat
(minimum $15,000 to exceed 48-month term)
as low as 9.80% APR*60 – 84 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

Boat – Used

Used Boatas low as 10.80% APR*up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

Business Savings

Balance up to $6,999.990.05% APY*
Balance of $7,000 – $39,999.990.10% APY*
Balance of $40,000 and over0.15% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025.
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.

Business Share Certificates

3.82% APY*6 months
4.25% APY*6 months**
4.07% APY*12 months
2.78% APY*24 months
2.27% APY*36 months
2.53% APY*48 months
2.53% APY*60 months

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. The Dividend Rate and APY may change without notice at the discretion of United Texas CU management. 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.

Business Special Savings

Balance up to $7,4990.05% APY*
Balance of $7,500 – $49,999.990.15% APY*
Balance of $50,000 and over0.25% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025.
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.

Certificate-Secured Loan

Certificate-Secured Loan (100% Secured)Certificate Rate + 2.50% APR*

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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. Your loan has the same term as the certificate. The interest rate is the certificate rate + 2.50%.

Certificates & IRA Certificates

3.82% APY*6 months
4.25% APY*6 months**
4.07% APY*12 months
2.78% APY*24 months
2.27% APY*36 months
2.53% APY*48 months
2.53% APY*60 months

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. The Dividend Rate and APY may change without notice at the discretion of United Texas CU management. 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.

CHRISTMAS CLUB ACCOUNT

Balance of $5 and Over0.20% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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. The maturity date of this club account is November 1; its term varies depending on when the account is opened. 

Construction loans (texas only)

Due to frequent market changes, please contact us for rate quotes.

Health Savings Account

Balance of $100 – $4,999.990.20% APY*
Balance of $5,000 and Over0.30% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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.

Home Equity First Lien (Texas Only)

$30,000 – $500,000**as low as 5.75% APR*up to 60 months
$30,000 – $500,000**as low as 5.85% APR*up to 144 months
$30,000 – $500,000**as low as 6.25% APR*up to 180 months
$30,000 – $500,000**as low as 7.13% APR*up to 240 months
$30,000 – $500,000**as low as 7.38% APR*up to 300 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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 $19.22 per month for 60 months at 5.75% APR.

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

Home Equity Line of credit (Texas Only)

$10,000 – $200,000**as low as 6.75% APR*up to 240 months

*APR means Annual Percentage Rate. Rates are effective as of December 20, 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 $7.60 per month for 240 months at 6.75% APR.

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

Home Equity Second Lien (Texas Only)

$30,000 – $500,000**as low as 6.00% APR*up to 60 months
$30,000 – $500,000**as low as 6.13% APR*up to 144 months
$30,000 – $500,000**as low as 6.63% APR*up to 180 months
$30,000 – $500,000**as low as 7.63% APR*up to 240 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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 $19.33 per month for 60 months at 6.00% APR.

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

Home loans (Texas Only)

Due to frequent market changes, please contact us for rate quotes.

Line of Credit

Line of Creditas low as 14.99% APR*

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

Liquid Asset

Balance up to $2,499.990.15% APY*
Balance of $2,500 and Over3.82% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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.

Mastercard® Businesscard®

Mastercard® BusinessCard®15.00% APR*

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

MONEY MARKET

Balance up to $2,499.990.75% APY*
Balance of $2,500 and Over1.00% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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.

Motorcycle/PWC/ATV – New

New Motorcycle/PWC/ATV
(minimum $15,000 to exceed 48-month term)
as low as 9.50% APR*up to 60 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

Motorcycle/PWC/ATV – Used

Used Motorcycle/PWC/ATVas low as 11.00% APR*up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

Platinum Mastercard®

Platinum Mastercard®as low as 13.25% APR*

*APR means Annual Percentage Rate. Rates are effective as of December 20, 2024. 
Minimum interest charge = None. Available APRs: 13.25%, 17.25% (all variable)

PLUS BUSINESS CHECKING

Balance up to $999.990.00% APY*
Balance of $1,000 and Over0.15% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025.
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.

RV/CAMPER/TRAVEL TRAILER – NEW

New RV/Camper/Travel Traileras low as 9.25% APR*up to 60 months
New RV/Camper/Travel Traileras low as 9.50% APR*up to 72 months
New RV/Camper/Travel Traileras low as 9.75% APR*up to 84 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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.

RV/CAMPER/TRAVEL TRAILER – USED

Used RV/Camper/Travel Traileras low as 10.25% APR*up to 48 months
Used RV/Camper/Travel Traileras low as 10.50% APR*up to 66 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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 10.25% APR.

SAVINGS

Balance of $5.00 and Over0.15% APY*

*APY means Annual Percentage Yield. APY is accurate as of February 1, 2025, 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.

SECURED MASTERCARD®

Secured Mastercard®10.75% APR*

*APR = Annual Percentage Rate. Rate effective as of December 20, 2024.
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.

SHARE-SECURED LOAN

Share-Secured Loan (100% Secured)Share Rate + 2.50% APR*120 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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. This is a 100% secured loan where your interest rate is our current savings rate, + 2.50%.

SIGNATURE LOAN

as low as 9.99% APR*up to 12 months
as low as 10.99% APR*up to 18 months
as low as 11.99% APR*up to 24 months
as low as 13.49% APR*up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of January 8, 2025. 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 $87.91 per month for 12 months at 9.99% APR.

STARTER MASTERCARD®

Starter Mastercard®17.25% APR*

*APR = Annual Percentage Rate. Rate effective as of December 20, 2024.
Minimum interest charge = None.
Foreign Transaction Fee = up to 1% of each transaction in U.S. dollars.

STUDENT LOANS

Fixed Rate Private Student Loanas low as 3.99% APR*
Variable Rate Private Student Loanas low as 5.79% APR*
Fixed Rate Student Loan Refinanceas low as 4.89% APR*

*APR means Annual Percentage Rate. Rates are effective as of October 7, 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.

TRADITIONAL & ROTH IRAS & EDUCATION SAVINGS ACCOUNT

Balance of $100 and Over0.30% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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.  

VACATION CLUB ACCOUNT

Balance of $5 and Over0.20% APY*

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025, 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. The maturity date of this club account is April 1; its term varies depending on when the account is opened.