Savings, CDs & Loan Rates
Savings, Checking, and Money Market Accounts
| Account Type | Annual Percentage Yield | Annual Percentage Rate | Balance for Dividend |
|---|---|---|---|
| Savings | 0.05% | 0.05% | $100 |
| Kasasa Saver | 0.75% | 0.747% | Up to $20,000 |
| Kasasa Saver | 0.10% | 0.10% | Over $20,000 |
| Kasasa Cash | 5.05% | 4.936% | Up to $20,000 |
| Kasasa Cash | 0.10% | 0.099% | Over $20,000 |
| Money Market | 0.60% | 0.598% | $2,500 |
| Holiday/Vacation Club | 0.05% | 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-Months | 4.05% | 3.98% | $1,000 |
| 12-Months | 3.85% | 3.78% | $1,000 |
| 18-Months | 3.65% | 3.59% | $1,000 |
| 24-Months | 3.50% | 3.45% | $1,000 |
| 36-Months | 3.15% | 3.11% | $1,000 |
| 48-Months | 3.00% | 2.96% | $1,000 |
| 60-Months | 3.00% | 2.96% | $1,000 |
Note: For non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
*APY= Annual Percentage Yield. IRA CDs are only available in 12, 24, 36, 48, and 60-month terms. 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 |
|---|---|---|
| $100 | 0.60% | 0.598% |
Savings and Checking Accounts (Grandfathered)
| Account Type | Annual Percentage Yield | Annual Percentage Rate | Minimum Balance for Dividend |
|---|---|---|---|
| Savings | 0.05% | 0.05% | $500 |
| Silver Checking | 0.05% | 0.05% | $200 |
| VIP/Bonus/Business Checking | 0.05% | 0.05% | $500 |
| Met Setters Checking | 0.05% | 0.05% | $5 |
| Money Market | 0.15% | 0.15% | $2,500 |
Personal Loans
| Loan Type | Term | APR* |
|---|---|---|
| Signature Loan | Up to 60-months | 9.00% - 15.99% |
| Line of Credit | Up to 60-months | 11.99% - 15.99% |
| Second Chance Signature | Up to 18-months | 18.00% |
| Second Chance Line of Credit | Up to 24-months | 18.00% |
*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 Visa | 14.00% - 18.00% |
| Secured Visa | 18.00% |
*APR – Annual Percentage Rate.
New and Used Autos
| Model Year | Term | APR* |
|---|---|---|
| 2018 or Newer | Up to 84-months | 4.99% - 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 Newer | Up to 72-months | 5.95% - 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 Newer | Up to 60-months | 7.00% - 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-months | As 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 newer | Up to 80% of Vehicle Value | Up to 60-months | 8.99% - 17.99% |
*APR – Annual Percentage Rate. Rate includes 0.25% automatic payment discount.
| Loan Type | Rate |
|---|---|
| 30-year fixed | Updated Weekly |
| 20-year fixed | Updated Weekly |
| 15-year fixed | Updated Weekly |
| 10-year fixed | Updated 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-Years | Up to 6.49% |
| 7-Years | Up to 6.99% |
| 10-Years | Up to 6.99% |
| 12-20 Years | Up 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.