Rates

Loan Rates

All rates Current as of June 16, 2017, and subject to change.  Questions about rates?  Please call 806-273-5692

 

Note: Click the plus sign next to each category to view its rates

New Vehicle Rates

New Vehicle Rates
CollateralFinancing Amount (Up to)TermsRates as low as: (APR)
New Vehicles:100% of Sticker Price48 Months or Less2.99%
includes cars, boats100% of Sticker Price49 to 60 Months3.19%
100% of Sticker Price61 to 72 Months *3.45%
 100% of Sticker Price73 to 84 Months **4.40%
 RV's Only61 to 72 Months ***4.60%
 RV's Only73 to 84 Months ****5.45%
RV's Only85 to 96 Months *****5.90%
RV's Only97 to 120 Months ******6.20%
  • *        Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing
  • **       Loan amount must be $40,000 or over to qualify for 73 to 84 Month financing
  • ***      Loan amount must be $20,000 or over to qualify for 61 to 72 Month RV financing
  • ****     Loan amount must be $25,000 or over to qualify for 73 to 84 Month RV financing
  • *****    Loan amount must be $30,000 or over to qualify for 85 to 96 Month RV financing
  • ******  Loan amount must be $35,000 or over to qualify for 97 to 120 Month RV  financing
  • @ All terms, rates and financing amounts are based on your individual credit.
  • APR = Annual Percentage Rate

Used Vehicle Rates

Used Vehicle Rates
CollateralFinancing Amount (Up to)TermsRates as low as: (APR)
Used Vehicle:100% or NADA Trade-in Value48 Months or Less2.99%
includes cars, boats100% or NADA Trade-in Value49 to 60 Months *3.19%
100% or NADA Trade-in Value61 to 72 Months *3.45%
 RV's Only61 to 72 Months ***4.60%
 RV's Only73 to 84 Months ****5.50%
RV's Only85 to 96 Months *****5.95%
  • *       Loan amount must be $10,000 or over to qualify for 60 Month financing
  • **      Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing
  •  
  • ***     Loan amount must be $25,000 or over to qualify for 61 to 72 Month  RV financing
  • ****    Loan amount must be $30,000 or over to qualify for 73 to 84 Month RV financing
  • *****  Loan amount must be $35,000 or over to qualify for 85 to 96 Month RV financing
  • @All terms, rates, and financing amounts are based on your individual credit.
  • APR = Annual Percentage Rate

Other Loan Rates

Other Loan Rates
CollateralFinancing Amount (Up to)TermsRates as low as: (APR)
Share Secured LoanRate Adjustable QuarterlyUp to 60 Months2% Over Share Savings Rate
CD Secured Loan Up to 36 Months2% Over CD Rate
  37 to 60 Months3% Over CD Rate
First Mortgage Loans95% of Appraised ValueUp to 10 Years4.70%
95% of Appraised ValueUp to 15 Years5.10%
Home Equity LoansLoan amounts to $25,000Up to 60 Months3.95%
 Loan amounts to $25,00061 to 84 Months4.40%
Loan amounts to $25,00085 to 120 Months4.95%
Home Equity LoansLoan amount over $25,000Up to 60 Months3.85%
 Loan amount over $25,00061 to 84 Months4.30%
Loan amount over $25,00085 to 120 Months4.85%
Loan amount over $25,000121 to 180 Months5.10%
New Motorcycles80% of StickerUp to 48 Months3.95%
 Over 15,000 and up to 80% of Sticker49 to 60 Months4.19%
Used Motorcycles80% of ValueUp to 48 Months3.95%
Over 15,000 and up to 80% of Value49 to 60 Months4.19%
Stock or Bond Secured50% of current market valueUp to 60 Months9.20%
Signature LoanUp to $2,000Up to 12 Months11.99%
 Up to $5,000Up to 24 Months11.99%
Pantex Plus LoanUp to $5,000Revolving11.99%
Pantex MasterCardUp to $5,000Revolving11.00%

@All terms, rates, and financing amounts are based on your individual credit.
APR = Annual Percentage Rate

We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Dividend Rates

Dividend Rates
Term/TypeAnnual Percentage YieldDividend RateMinimum BalanceDividend Compounded
Share (Savings) *0.50%0.50%$5Quarterly
Share Draft (Checking)0.15%0.15%$50 to openMonthly
Share Certificates
60 Days0.35%0.35%$2,500Credited to your certificate monthly
90 Days0.50%0.50%$2,500Credited to your certificate monthly
6 Months0.70%0.70%$2,500Credited to your certificate monthly
1 Year0.80%0.80%$2,500Credited to your certificate monthly
18 Months0.90%0.90%$2,500Credited to your certificate montly
24 Months1.01%1.00%$2,500Credited to your certificate monthly
IRA - 18 Month Certificate0.85%0.85%No MinimumCredited to your certificate monthly
  • * Savings rates declared quarterly-current rates shown effective through June 30, 2017
  • Insured by NCUA Insurance Fund up to $250,000. IRA Accounts insured separately up to $250,000.
  • Rates are subject to change without notice
  • Fees may reduce the earnings on some accounts
  • Early withdrawal penalties apply to share certificates.
  • A certificate may not be reduced below the minimum balance
  • Receiving dividends by taking monthly withdrawals will reduce the APY.
 

Fees
Disclosure