Rates

Savings, CDs & Loan Rates

Savings, Checking, and Money Market Accounts

Account Type Annual Percentage Yield Annual Percentage Rate Balance for Dividend
Savings0.05%0.05%$100
Kasasa Saver0.75%0.747%Up to $20,000
Kasasa Saver0.10%0.10%Over $20,000
Kasasa Cash5.05%4.936%Up to $20,000
Kasasa Cash0.10%0.099%Over $20,000
Money Market0.60%0.598%$2,500
Holiday/Vacation Club0.05%0.05%$200

*The promotional APY is only applicable for the initial term of the 7-month CDs. After the initial promotional period, all 7-month promotional CDs will automatically renew for a 6-month term at the then-current standard rate and terms applicable for those products. Promotional rates do not apply for IRA CDs.

Certificates of Deposit Accounts and IRA CDs

Term Annual Percentage Yield Annual Percentage Rate Minimum Deposit
6 Months4.05%3.976%$1,000
12 Months3.85%3.783%$1,000
18 Months3.75%3.687%$1,000
24 Months3.65%3.590%$1,000
36 Months3.50%3.445%$1,000
48 Months3.35%3.299%$1,000
60 Months3.15%3.105%$1,000

Note: For non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).

*APY= Annual Percentage Yield. Minimum amount to open Certificate is $1,000. All Rates and APY are subject to change without notice APY or Annual Percentage Yield assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. Fees can reduce the earnings of deposit accounts. Penalty may apply for early withdrawal of CD deposits.

IRA Savings Account

Minimum ANNUAL PERCENTAGE YIELD ANNUAL PERCENTAGE RATE
$1000.60%0.598%

Savings and Checking Accounts (Grandfathered)

Account Type Annual Percentage Yield Annual Percentage Rate Minimum Balance for Dividend
Savings0.05%0.05%$500
Silver Checking0.05%0.05%$200
VIP/Bonus/Business Checking0.05%0.05%$500
Met Setters Checking0.05%0.05%$5
Money Market0.15%0.15%$2,500

Personal Loans

Loan Type Term APR*
Signature LoanUp to 60-months9.00% - 15.99%
Line of CreditUp to 60-months11.99% - 15.99%
Second Chance SignatureUp to 18-months18.00%
Second Chance Line of CreditUp to 24-months18.00%

*APR – Annual Percentage Rate. Signature Loan and Line of Credit rate includes 0.25% automatic payment discount. No discounts available on Second Chance Loans or Lines of Credit. Second Chance Loans and Lines of Credit require automatic payment and a pledge of up to $500, determined by loan amount.

Credit Cards

Loan Type APR*
Platinum Rewards Visa14.00% - 18.00%
Secured Visa18.00%

*APR – Annual Percentage Rate.

New and Used Autos

Model Year Term APR*
2018 or NewerUp to 84-months4.99% - 17.99%

*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment.

Motorcycles

Model Year Term APR*
2018 or NewerUp to 72-months5.95% - 17.99%

*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Slingshots, Trikes.

ATVs and 4-Wheelers

Model Year Term APR*
2018 or NewerUp to 60-months7.00% - 15.99%

*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Side-by-Sides.

RVs and Campers

Term APR*
Up to 120-monthsAs low as 6.50%

*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Rate also applies to Motor Homes.

Auto Equity Loan

Model Year Loan Amount Term APR*
10 years old or newerUp to 80% of Vehicle ValueUp to 60-months8.99% - 17.99%

*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount.

Loan Type Rate
30-year fixedUpdated Weekly
20-year fixedUpdated Weekly
15-year fixedUpdated Weekly
10-year fixedUpdated Weekly
FHA (30-year fixed)Updated Weekly
VA (30-year fixed)Updated Weekly
3/1 ARM (Conforming)Call 832-912-2151 for rates
5/1 ARM (Conforming)Call 832-912-2151 for rates
7/1 ARM (Conforming)Call 832-912-2151 for rates

Rates listed on linked site are for a specific scenarios. Please call one of our loan officers at 832-912-2151 for a more accurate rate quote.

Loan Term APR*
5-YearsUp to 6.49%
7-YearsUp to 6.99%
10-YearsUp to 6.99%
12-20 YearsUp to 6.99%

*All rates herein are expressed as an Annual Percentage Rate (APR). A $20,000 loan at 6.99% for 12 years will have a monthly payment of $205.57. 15 and 20 year terms available. Offered rates, terms, programs, and underwriting policies are subject to change without notice.

Loan rates accurate as of May 6, 2024

For current information call us at (713) 970-6200.

This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Priority Trust Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on credit worthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on Secured loans may increase or decrease the rate.