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Currents Rates & Calculators


Loan Rates

These are base rates for July 2014. Actual rates are based on creditworthiness.

LOAN TYPE RATE APR* TERM
New and Used Automobiles 2.00% 2.00% 24 Mo.
New and Used Automobiles 2.50% 2.50% 36 Mo.
New and Used Automobiles 2.75% 2.75% 48 Mo.
New and Used Automobiles 3.00% 3.00% 60 Mo.
New and Used Automobiles 3.00% 3.00% 72 Mo.
New and Used Automobiles 3.50% 3.50% 84 Mo.
You receive a 1/4% discount for each 10% down payment with a maximum discount of 1/2%.
Automobiles include cars, trucks, motorcycles, SUVs, boats and RVs.
 
LOAN TYPE RATE APR* TERM
New and Used Boats and RVs 4.50% 4.50% 120 Mo.
New and Used Boats and RVs 5.50% 5.50% 180 Mo.
You receive a 1/4% discount for each 10% down payment with a maximum discount of 1/2%.
Boats include other watercrafts such as Jet Skis that can be titled.
 
LOAN TYPE RATE APR* TERM
MasterCard Classic 11.90% 11.90% N/A
MasterCard Gold 9.90% 9.90% N/A
 
LOAN TYPE RATE APR* TERM
Line of Credit 10.99% 10.99% N/A
 
LOAN TYPE RATE APR* TERM
Home Loans   (call for specific rate) 4.25% 4.25% 360 Mo.
Home Equity/Improvement 2.99% 2.99% 60 Mo.
Home Equity/Improvement 3.99% 3.99% 84 Mo.
Home Equity/Improvement 4.99% 4.99% 120 Mo.
Home Equity/Improvement 5.49% 5.49% 180 Mo.
 
LOAN TYPE RATE APR* TERM
Share and CD Secured   (2% above collateral) N/A N/A 60 Mo.
 
LOAN TYPE RATE APR* TERM
Signature and/or Consolidation 5.50% 5.50% 12 Mo.
Signature and/or Consolidation 6.50% 6.50% 24 Mo.
Signature and/or Consolidation 7.50% 7.50% 36 Mo.
Signature and/or Consolidation 8.50% 8.50% 48 Mo.
 
*APR is the Annual Percentage Rate.
5-Star member's rates are 1% less for Auto, Signature & Home Equity Loans. Automobiles may be refinanced from other institutions at 1% less than your existing rate or LOCU's current rate, whichever is less. The rate cannot be lower than our current rate less 1%. Rates are based on approved credit and will range from base rates above to base rate plus 10%, based on credit score. Rates are subject to change.

Share Savings Rates

Rates as of June, 2014

ACCOUNT TYPE RATE APY* TERM
Share Savings    $100 - $4,999 0.15% 0.15% N/A
Share Savings    $5,000 - $24,999 0.40% 0.40% N/A
Share Savings   $25,000 & Over 0.65% 0.65% N/A
Christmas Club 0.15% 0.15% N/A
Prime Checking 0.10% 0.10% N/A
IRA Savings 0.25% 0.25% N/A
Please call 214-413-5588 for current rates, terms and fees.
 

*APY is the Annual Percentage Yield.

Certificate Rates

Rates good through July 31, 2014

ACCOUNT TYPE RATE APY* TERM
Regular or IRA CD - $1,000 Minimum 0.20% 0.20% 06 Mo.
Regular or IRA CD - $1,000 Minimum 0.25% 0.25% 12 Mo.
Regular or IRA CD - $1,000 Minimum 0.55% 0.55% 24 Mo.
Regular or IRA CD - $1,000 Minimum 1.00% 1.00% 36 Mo.
Regular or IRA CD - $1,000 Minimum 1.40% 1.41% 48 Mo.
Regular or IRA CD - $1,000 Minimum 1.85% 1.87% 60 Mo.
Regular or IRA CD - $25,000 Minimum 0.30% 0.30% 06 Mo.
Regular or IRA CD - $25,000 Minimum 0.35% 0.35% 12 Mo.
Regular or IRA CD - $25,000 Minimum 0.65% 0.65% 24 Mo.
Regular or IRA CD - $25,000 Minimum 1.10% 1.11% 36 Mo.
Regular or IRA CD - $25,000 Minimum 1.50% 1.51% 48 Mo.
Regular or IRA CD - $25,000 Minimum 1.95% 1.97% 60 Mo.
Please call 214-413-5588 for current rates, terms and fees.
 

*APY is the Annual Percentage Yield.

5-STAR MEMBER'S RATES ARE 1% HIGHER THAN THE ABOVE CD RATES

"Step Up" your rate once during the term on Regular and IRA CDs; nominal fee.

 
 
 
Dallas: 1100 Commerce Street Suite 615   •   Farmers Branch: 4050 Alpha Road Suite 120   •   Arlington: 2221 E. Lamar Blvd. Suite 110
This credit union is federally insured by the National Credit Union Administration.
     
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