Rates

Rates

Rates are subject to change daily.  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:120% of Sticker Price (MSRP)48 Months or Less5.25%
Includes Cars, Boats120% of Sticker Price (MSRP)49 to 60 Months5.35%
120% of Sticker Price (MSRP)61 to 72 Months *5.45%
 120% of Sticker Price (MSRP)73 to 84 Months **6.25%
 RV's Only61 to 72 Months ***7.10%
 RV's Only73 to 84 Months ****7.60%
RV's Only85 to 96 Months *****7.85%
RV's Only97 to 120 Months ******8.35%
  • *        Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing
  • *         Transaction limitations may apply to Savings Accounts.   See Truth in Savings disclosure
  • **       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:120% of NADA Clean Retail Value48 Months or Less5.25%
Includes Cars, Boats120% of NADA Clean Retail Value49 to 60 Months *5.35%
120% of NADA Clean Retail Value61 to 72 Months *5.45%
Used Vehicles 10 Years or Older100% of NADA Clean Trade Value48 Months or less6.85%
Used RV'sRV's Only61 to 72 Months ***7.35%
 RV's Only73 to 84 Months ****7.60%
RV's Only85 to 96 Months *****8.10%
Used RV's 10 Years or Older100% of NADA Clean Trade Value48 Months or less8.60%
  • *       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 Years5.75%
95% of Appraised ValueUp to 15 Years6.00%
Home Equity LoansLoan amounts to $25,000Up to 60 Months5.85%
 Loan amounts to $25,00061 to 84 Months6.10%
Loan amounts to $25,00085 to 120 Months6.70%
Home Equity LoansLoan amount over $25,000Up to 60 Months6.10%
 Loan amount over $25,00061 to 84 Months6.35%
Loan amount over $25,00085 to 120 Months6.85%
Loan amount over $25,000121 to 180 Months7.10%
New Rec. Sports Vehicle120% of Sticker (MSRP)Up to 48 Months6.10%
 Over 15,000 and up to 120% of Sticker49 to 60 Months6.35%
Used Rec. Sports Vehicle120% of Retail Value (NADA)Up to 48 Months6.15%
Over 15,000 and up to 120% of Retail Value49 to 60 Months6.40%
10 Years or Older100% of NADA Clean Trade Value48 Months or less7.10%
Stock or Bond Secured50% of current market valueUp to 60 Months10.00%
Signature LoanUp to $2,000Up to 12 Months9.99%
 Up to $5,000Up to 36 Months9.99%
Pantex Plus LoanUp to $5,000Revolving9.99%
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 null
Term/TypeAnnual Percentage YieldDividend RateMinimum BalanceDividend Compounded
Share (Savings) *0.95%0.95%$5Quarterly
Share Draft (Checking)0.20%0.20%$50 to openMonthly
Share Certificatesnull
60 Days2.53%2.50%$2,500Credited to your certificate monthly
90 Days3.79%2.75%$2,500Credited to your certificate monthly
6 Months3.56%3.50%$2,500Credited to your certificate monthly
1 Year3.30%3.25%$2,500Credited to your certificate monthly
18 Months3.05%3.00%$2,500Credited to your certificate monthly
24 Months2.53%2.50%$2,500Credited to your certificate monthly
IRA - 18 Month Certificate2.28%2.25%No MinimumCredited to your certificate monthly
  • * Savings rates declared quarterly-current rates shown effective through September 30, 2025.
  • * Transaction limitations may appy to Savings Accounts.   See Truth in Savings disclosure.
  • 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