Loan Rates

Loan Rates: Effective 08/01/2016

Vehicle Loans Loan Calculator
Loan Type *Fixed APR Maximum Term
New and Used 1.99 – 8.99%
2.49 – 9.49%
2.69 – 9.69%
2.99 – 9.99%
3.99 – 10.99%
Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 72 Months
Up to 84 Months
Mortgages***
Mortgage Daily Rates & Online Application
Home Equity **
Loan Type *Fixed APR Maximum Term
2.99 – 9.99%
3.69 – 10.69%
4.29 – 11.29%
4.79 – 11.79%
5.29 – 12.29%
5.59 – 12.59%
Up to 48 Months
Up to 60 Months
Up to 72 Months
Up to 120 Months
Up to 180 Months
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 – Non-Variable Rates
Loan Type Without Rewards With Rewards
Platinum MasterCard 7.90% 9.90%
MasterCard Gold 10.90% 12.90%
Share Secured MasterCard Gold 13.90%

All InvesTex Credit Cards have non-variable rates.

Motorcycle/Boat & Trailer/Jet Ski
Loan Type *Fixed APR Maximum Term
New and Used 3.79 – 10.79%
4.19 – 11.19%
4.49 – 11.49%
4.99 – 11.99%
Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 72 Months
Unsecured Loans
Loan Type *Fixed APR Maximum Term
Signature 6.59 – 13.59%
6.89 – 13.89%
7.29 – 14.29%
7.59 – 14.59%
7.89 – 14.89%
8.29 – 15.29%
8.59 – 15.59%
Up to 6 Months
Up to 12 Months
Up to 24 Months
Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 72 Months
 Special Signature Rate
6% APR up to 48 mos3
Ready Credit (Line of Credit) 7.59 – 14.59%
RV/Motor Home/Travel Trailer
Loan Type *Fixed APR Maximum Term
New and Used 5.49-12.49% to 6.49-13.49% Up to 60 Months to 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. Individual applicants’ credit information could affect the terms of their loan.

36% APR for up to 48 months when you purchase or refinance a vehicle loan from another institution to InvesTex Credit Union. See InvesTexcu.org for details.

**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.