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United Texas - Mobile
Finance
Free - On the App Store

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United Texas - Mobile
Finance
Free - On the App Store

Auto Loan – New/Used

2007 - 2022 Model Years as low as 3.89% APR* up to 48 months
2007 - 2022 Model Years as low as 3.99% APR* up to 60 months
2012 - 2022 Model Years
(minimum $20,000)
as low as 4.09% APR* up to 66 months
2015 - 2022 Model Years
(minimum $25,000)
as low as 4.19% APR* up to 72 months
2018 - 2022 Model Years
(minimum $35,000) (max LTV = 120%)
as low as 4.99% APR* up to 84 months

*APR = Annual Percentage Rate. Rates are effective September 23, 2022. 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 3.89% APR (up to 48 months). Payment per $1,000 is approximately $22.53 per month for 48 months at 3.89% APR.

Boat – New

New Boat
(minimum $15,000 to exceed 48-month term)
as low as 8.30% APR* 60 - 84 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Boat – Used

Used Boat as low as 9.30% APR* up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Business Savings

Balance up to $6,999.99 0.05% APY*
Balance of $7,000 - $39,999.99 0.10% APY*
Balance of $40,000 and over 0.15% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022.
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

1.51% APY* 6 months
2.27% 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 offered the period of September 1 - 30, 2022. The minimum balance to earn APY is $500 for Certificates. 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.

Business Special Savings

Balance up to $7,499 0.05% APY*
Balance of $7,500 - $49,999.99 0.15% APY*
Balance of $50,000 and over 0.25% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022.
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 + 2.00% APR*

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Certificates & IRA Certificates

1.51% APY* 6 months
2.27% 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 offered the period of September 1 - 30, 2022. The minimum balance to earn APY is $500 for Certificates. 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.

Health Savings Account

Balance of $100 - $4,999.99 0.20% APY*
Balance of $5,000 and Over 0.30% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, 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 4.35% APR* up to 60 months
$30,000 - $500,000** as low as 4.85% APR* up to 144 months
$30,000 - $500,000** as low as 5.60% APR* up to 180 months
$30,000 - $500,000** as low as 5.80% APR* up to 240 months
$30,000 - $500,000** as low as 5.90% APR* up to 360 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

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

Home Equity Second Lien (Texas only)

$30,000 - $500,000** as low as 4.85% APR* up to 60 months
$30,000 - $500,000** as low as 5.35% APR* up to 144 months
$30,000 - $500,000** as low as 6.30% APR* up to 180 months
$30,000 - $500,000** as low as 6.30% APR* up to 240 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

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

Home Improvement Loan (Texas only)

$40,000 - $150,000 5.25% APR* up to 15 years
$40,000 - $150,000 7.25% APR* up to 20 years

* APR= Annual Percentage Rate effective as of September 9, 2022. 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. 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.

Home Loans (Texas only)

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

Line of Credit

Line of Credit (LOC) as low as 10.50% APR*

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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 $2,499.99 0.15% APY*
Balance** of $2,500 and Over 2.27% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, and may change after the account is opened. Dividends are based on the daily balance and paid to the account monthly. A minimum opening deposit of $2,500 is required. 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. 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.

Mastercard® BusinessCard®

Mastercard® BusinessCard® 12.00% APR*

*APR = Annual Percentage Rate. Rates are effective as of September 23, 2022.
Minimum interest charge = None. Available APR: 12.00%

Money Market

Balance Up to $2,499.99 0.20% APY*
Balance of $2,500 and Over 0.30% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, and may change after the account is opened. Dividends are based 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.

Motorcycle/PWC/ATV – New

New Motorcycle/PWC/ATV
(minimum $15,000 to exceed 48-month term)
as low as 8.00% APR* up to 60 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Motorcycle/PWC/ATV – Used

Used Motorcycle/PWC/ATV as low as 9.50% APR* up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Platinum Mastercard®

Platinum Mastercard® as low as 12.00% APR*

*APR = Annual Percentage Rate. Rates are effective as of September 23, 2022.
Minimum interest charge = None. Available APRs: 12.00%, 16.00%, 18.00% (all variable)

PLUS Business Checking

Balance up to $999.99 0.00% APY*
Balance of $1,000 and over 0.15% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022.
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 Trailer as low as 6.75% APR* up to 60 months
New RV/Camper/Travel Trailer as low as 7.75% APR* up to 72 months
New RV/Camper/Travel Trailer as low as 8.25% APR* up to 84 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

RV/Camper/Travel Trailer – Used

Used RV/Camper/Travel Trailer as low as 6.25% APR* up to 48 months
Used RV/Camper/Travel Trailer as low as 6.75% APR* up to 66 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Savings

Balance of $5.00 and Over 0.15% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, 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 September 23, 2022.
Minimum interest charge = None.
Secured shares must equal 120% of the credit limit.

Share-Secured Loan

Share-Secured Loan (100% Secured) Share Rate + 2.00% APR* 120 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Signature Loan

as low as 7.50% APR* up to 12 months
as low as 8.00% APR* up to 18 months
as low as 9.50% APR* up to 24 months
as low as 10.00% APR* up to 48 months

*APR means Annual Percentage Rate. Rates are effective as of September 23, 2022. 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.

Starter Mastercard®

Starter Mastercard® 18.00% APR*

*APR = Annual Percentage Rate. Rate effective as of September 23, 2022.
Minimum interest charge = None.

Student Loan

Variable Rate Private Student Loan as low as 3.62% APR*
Fixed Rate Private Student Loan as low as 3.99% APR*
Fixed Rate Student Loan Refinance as low as 2.99% APR*
Variable Rate Student Loan Refinance as low as 4.13% APR*

*APR means Annual Percentage Rate. Rates are effective as of September 9, 2022. 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 Over 0.30% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, 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/Christmas Club Account

Balance of $5 and Over 0.20% APY*

*APY = Annual Percentage Yield. APY is accurate as of September 1, 2022, 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.