Routing Number:
313082838
Rates

LOAN RATES: Effective Date 03/01/14 (Apply Online)

Vehicle Loans Loan Calculator

Loan Type

*Fixed APR

Maximum Term

New and Used

2.39 - 11.89%

Up to 48 Months

2.69 - 12.19%

Up to 60 Months

2.99 - 12.49%

Up to 72 Months

4.49 - 13.99%

Up to 84 Months

 

 

 

Mortgages***

Mortgage Daily Rates & Online Application

 

Home Equity **

Loan Type

*Fixed APR

Maximum Term

 

3.69 - 13.19%

Up to 48 Months

 

3.89 - 13.39%

Up to 60 Months

 

4.19 - 13.69%

Up to 72 Months

 

4.79 - 14.29%

Up to 120 Months

 

4.99 - 14.49%

Up to 180 Months

 

5.49 - 14.99%

Up to 240 Months

   

 

 

Share/CD Secured Loans

Loan Type

*Fixed APR

Maximum Term

Share Secured

3.00% - 5.00% over Share Rate

Up to 84 Months

CD Secured

3.00% - 5.00% over CD Rate

Up to 60 Months

 

Credit Cards

Loan Type

*Fixed APR

Variable APR

Regular VISA & MasterCard

13.90%

11.15%

VISA Gold & MasterCard Gold

12.90%

10.15%

Platinum MasterCard 

7.90%

9.15%

Visa Platinum

-

9.15%

Variable Rate: The Prime Rate used to determine your APR is the Prime Rate published in the Money Rates section of the Wall Street Journal on the 15th day of preceding month. 

Motorcycle/Boat & Trailer/Jet Ski

Loan Type

*Fixed APR

Maximum Term

New and Used

3.99 - 13.49%

Up to 48 Months

 

4.39 - 13.89%

Up to 60 Months

 

4.99 - 14.49%

Up to 72 Months

 

Unsecured Loans

Loan Type

*Fixed APR

Maximum Term

Signature

6.49 - 15.99%

Up to 6 Months

 

6.99 - 16.49%

Up to 12 Months

 

7.29 - 16.79%

Up to 24 Months

 

7.59 - 17.09%

Up to 36 Months

 

7.99 - 17.49%

Up to 48 Months

 

8.29 - 17.79%

Up to 60 Months

 

8.49 - 17.99%

Up to 72 Months

Ready Credit (Line of Credit)

7.79 - 17.29%

 
 

RV/Motor Home/Travel Trailer

Loan Type

*Fixed APR

Maximum Term

New and Used

4.99-14.49%

Up to 60 Months

 

5.99-15.49%

Up to 120 Months

Note: Loans secured by farm & ranch equipment, 4H and FFA livestock, Lawn and Garden equipment, technology equipment, furniture or appliances will be evaluated using signature loan rates and terms.

*APR means ANNUAL PERCENTAGE RATE. Rates and terms are subject to change without notice. Credit card changes require 45 days advance notice. Lone Star Rewards Discounts included. Risk-Based Pricing Notice: The Annual Percentage Rates (APR) are quoted "low as" and "high as" depending upon the applicant's individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses. Credit card changes require 45 days advance notice. Individual applicants' credit information could affect the terms of their loan.

**Loan amount cannot exceed 80% of the collateral value, less outstanding liens.

***Mortgage rates are subject to change daily.

Generally (except for Title Policy and Appraisal costs), closing costs will be paid by the Credit Union; however, in some instances, certain other costs will be paid by the member.

The above rates are subject to change. For current rates, please call InvesTex Credit Union at 281-449-0109.

SAVINGS RATES: Effective Date 4/01/14
INVESTMENT ACCOUNTS (includes IRA CDs)

Services Offered

  

$1,000.00 and Up 

Jumbo ($50K plus) 

 

Term

Minimum
Deposit

Rate

APY¹

Rate

APY¹

Certificate of Deposit

6 Months

$1,000.00

.20%

.20%

.40%

.40%

 

1 Year

$1,000.00

.25%

.25%

.45%

.45%

 

18 Months

$1,000.00

.30%

.30%

.50%

.50%

 

2 Years

$1,000.00

.35%

.35%

.55%

.55%

 

3 Years

$1,000.00

.60%

.60%

.80%

.80%

 

4 Years

$1,000.00

.95%

.95%

1.15%

1.15%

 

5 Years

$1,000.00

1.20%

1.21%

1.40%

1.41%

Payroll Growth CD

1 Year

$100.00

  .10%

  .10%

           

Services Offered

$0 to $4,999.99

$5K to $19,999.99

$20,000.00 plus 

 

Rate

APY¹

Rate

APY¹

Rate

APY¹

IRA

.15%

.15%

.40%

.40%

1.00%

1.01%

 

SAVINGS ACCOUNTS

Services Offered

$0 to $4,999.99

$5K to $19,999.99

$20,000.00 plus

 

Rate

APY¹

Rate

APY¹

Rate

APY¹

Regular Savings

0.05%

0.05%

0.05%

0.05%

0.10%

0.10%

Secondary Savings

0.05%

0.05%

0.05%

0.05%

0.10%

0.10%

Lil' Roper Club

0.05%

0.05%

0.10%

0.10%

0.15%

0.15%

Vacation Club

0.05%

0.05%

0.00%

0.00%

0.00%

0.00%

Christmas Club

0.05%

0.05%

0.00%

0.00%

0.00%

0.00%

 

CHECKING ACCOUNTS

Services Offered

$500 to $4,999.99

$5K to $19,999.99

$20,000.00 plus

 

Rate

APY¹

Rate

APY¹

Rate

APY¹

Non-Dividend/Interest

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

Lone Star Select

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

Lone Star Diamond

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

           

Services Offered

$2,500.00 to $4,999.99

$5K to $19,999.99 

$20,000.00 plus 

 

Rate

APY¹

Rate

APY¹

Rate

APY¹

High-Yield Checking

.05%

.05%

.10%

.10%

.15%

.15%


¹ APY means "Annual Percentage Yield".  APY assumes dividends remain in the account until maturity.  Withdrawals reduce earnings.  All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.  The above rates were paid for their respective dividend period.  Dividends are paid at the end of the period from the current income and the available earnings after any required transfers to reserves.  These rates are not guaranteed for the current dividend period.  All deposits are federally insured by NCUA.  Rates and APY are subject to change without notice.

 

 

Phone: 281-449-0109 • Fax: 281-449-3649 • Toll Free: 1-866-449-0109

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Equal Housing Lender
NCUA
This credit union is federally insured by
the National Credit Union Administration.