2010 – 2025 Model Years | as 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 |
Auto Loan – New/Used
*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 Boat | as 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 $6,999.99 | 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 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 $7,499 | 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 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 Over | 0.20% 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 – $4,999.99 | 0.20% APY* |
Balance of $5,000 and Over | 0.30% 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 Credit | as 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 $2,499.99 | 0.15% APY* |
Balance of $2,500 and Over | 3.82% 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 $2,499.99 | 0.75% APY* |
Balance of $2,500 and Over | 1.00% 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/ATV | as 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 $999.99 | 0.00% APY* |
Balance of $1,000 and Over | 0.15% 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 Trailer | as low as 9.25% APR* | up to 60 months |
New RV/Camper/Travel Trailer | as low as 9.50% APR* | up to 72 months |
New RV/Camper/Travel Trailer | as 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 Trailer | as low as 10.25% APR* | up to 48 months |
Used RV/Camper/Travel Trailer | as 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 Over | 0.15% 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 Loan | as low as 3.99% APR* |
Variable Rate Private Student Loan | as low as 5.79% APR* |
Fixed Rate Student Loan Refinance | as 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 Over | 0.30% 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 Over | 0.20% 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.