Online banking and audio will be down Wednesday, August 23rd at 11pm for approximately 2 hours.

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 $10,000 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 November 1, 2014

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 $3.00 per card
ATM Withdrawals
(Out of Network)
$1.50
ATM Balance Inquiry
(Out of Network)
$0.50
ATM Non-Sufficient Funds $25.00
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%