Competitive Rates
Loan Rates
Effective 3/15/2017. Rates subject to change daily.
NEW AUTOMOBILE LOANS 2018-2016
| TERM | APR | DOWN PAYMENT |
| Up to 72 months | 2.59% – 15.99% | 0% |
NEW BOATS AND RVs
| TERM | APR | DOWN PAYMENT |
| Up to 84 months | 3.19% – 15.99% | 0% |
PROGRAM CARS
| TERM | APR |
| 2017 – 2016 up to 12,000 miles | Same as New Car |
USED AUTOMOBILES
| YEAR | TERM | APR | MAXIMUM LOAN |
| 2018-2016 | 72 months | 2.59% – 15.99% | Minimum $20,000 |
| 2015-2014 | 66 months | 2.79% – 15.99% | Under $20,000 |
| 2013-2012 | 60 months | 3.79% – 15.99% | NADA Wholesale Value |
| 2011-2010 | 48 months | 3.79% – 15.99% | NADA Wholesale Value |
| 2009-2008 | 36 months | 4.79% – 15.99% | NADA Wholesale Value |
USED BOATS & RVs
| YEAR | TERM | APR |
| 2018-2016 | 72 months | 3.59% – 15.99% |
| 2015-2014 | 60 months | 3.79% – 15.99% |
| 2013-2012 | 54 months | 3.89% – 15.99% |
| 2011-2010 | 42 months | 3.99% – 15.99% |
| 2009-2008 | 36 months | 4.19% – 15.99% |
OTHER LOANS AND CREDIT CARD RATES
| LOAN TYPE | APR |
| New Motorcycles | 4.99% – 15.99% |
| Home Improvement | 4.99% – 10.99% |
| Home Equity Loans | 4.69% – 10.99% |
| Signature Loans | 7.75% – 15.75% |
| Share Secured Loans | Share Rate + 3.00% |
| C.D. Secured Loans | C.D. Rate + 2.00% |
| Vacation Loans | 6.99% – 13.50% |
| MasterCard | 9.90% – 13.90% |
HOME LOANS
Mortgage Financing Available. Ask Our Mortgage Loan Officer For Rates and Products.
| CONSUMER LOANS | |
|
Pine Branch 1118 Pine, Abilene, TX 79601 (325) 437-3712 fax (325) 670-2588 |
Catclaw Branch 3324 Catclaw, Abilene, TX 79606 (325) 691-5104 fax (325) 690-1035 |
| HOME EQUITY LOANS & MORTGAGE LOANS | |
|
Catclaw Branch 3324 Catclaw, Abilene, TX 79606 (325) 691-5104 fax (325) 690-1035 |
|
Savings Rates
Effective 3/15/2017. Rates subject to change daily. Fees may reduce earnings.
| ACCOUNT TYPE | ACCOUNT BALANCE | DIVIDEND RATE | ANNUAL % YIELD | DIVIDEND PAID |
| Share Account | $100.00+ | 0.20% | 0.200% | Quarterly |
| $4Me | $50.00+ | 0.30% | 0.300% | Quarterly |
| Special Savings | $100.00+ | 0.20% | 0.200% | Quarterly |
| Christmas Club | $100.00+ | 0.25% | 0.250% | Quarterly |
| All Star Account | $50.00+ | 0.30% | 0.300% | Quarterly |
| Money Market | $1,000.00+ $25,000.00+ $75,000.00+ |
0.25% 0.35% 0.40% |
0.251% 0.351% 0.401% |
Monthly |
| IRA | $100.00+ | 0.65% | 0.652% | Quarterly |
| $4Me Draft | $50.00+ | 0.15% | 0.150% | Monthly |
| Vantage Plus | $100.00+ | 0.15% | 0.150% | Monthly |
| Vantage 50+ | $100.00+ | 0.15% | 0.150% | Monthly |
Term Share Certificates
Term Share Certificates – Penalty will or may be imposed for early withdrawal.
| TERM | DIVIDEND RATE | ANNUAL % YIELD | |
| Vantage 50+ Bonus Rate |
N/A | N/A | |
| Minimum of $1,000 | 3 months 6 months 12 months 24 months |
0.30% 0.40% 0.60% 0.65% |
0.301% 0.401% 0.601% 0.650% |
| Minimum of $50,000 | 3 months 6 months 12 months 24 months |
0.30% 0.40% 0.65% 0.80% |
0.301% 0.401% 0.650% 0.801% |
| All Star & $4Me
Minimum of $500 |
12 months 24 months |
0.80% | 0.801% |
Fee Schedule
Effective February 1, 2017
|
Membership Fee New Account |
$1.00 |
|
Share Withdrawals (3 free per quarter) |
$1.00 after 3rd |
| Free Checking Account | no fee |
|
Excessive Reopening of Account (if reopened within 90 days of closing) |
$15.00 |
|
Account Closure Fee (if closed within 90 days of opening) |
$15.00 |
|
Interest-Bearing Checking Service Charge (balance under $500) |
$5.00 per month |
|
Overdraft Protection (automatic transfer) |
$1.00 per transfer |
| Courtesy Pay Protection | $25.00 per item |
| Non-Sufficient Funds | $25.00 per item |
| Deposit Item Return | $15.00 per item |
| Return Mail/Bad Address Fee | $5.00 per quarter |
|
Stop Payment Set-Up Fee (signature required) |
$5.00 per item |
| Stop Payment Fee | $15.00 per item |
|
Money Market (3 free withdrawals per month) |
$2.50 after 3rd |
|
Christmas Club (withdrawals free Oct.1 – Jan.1) |
$2.50 |
|
IRA Early Withdrawals (before age 70 1/2) |
$2.50 |
| Money Orders | $1.00 |
| Cashier Checks | $1.00 |
| ATM/Debit Replacement Card | $5.00 per card |
| ATM Withdrawals (Out of Network) |
$1.50 |
| ATM Balance Inquiry (Out of Network) |
$0.50 |
| ATM Non-Sufficient Funds | $25.00 |
| Paper Communication Fee | $5.00 per month |
| Account Print-Out | $2.00 per month printed |
| Check Copies (3 free per month) |
$2.00 per item |
| Fax | $1.00 per page |
| Wire Transfers Out-going | $15.00 domestic |
| Account Research | $20.00 per hour |
| Account Balancing Assistance | $20.00 per hour |
| Temporary Checks (first 12 free) |
$2.00 per sheet |
| MasterCard Gift Card | $5.00 |
| Check Cashing Fee (if member does not have a share draft account and the balance in shares is below $100.00; also when cashing a third party check for a non-member on a member’s account) |
1% |
| Loose Coin Counting Over $25 (members 18 and under are exempt from fee) |
10% |
| Escheat Fee (account inactive for 3 years) |
$25.00 |