Loan rates
| Loan type | APR* as low as |
|---|---|
| Auto (New or Used) | 5.00% |
| Boats, Farm Equip, Motorcycles, RVs (New or Used) | 7.25% |
| Mortgage Loans | Please contact us for today's mortgage rates. |
| Home Equity | 6.50% |
| Signature | 9.25% |
| Line of Credit | 9.25% |
| Share Secured | 3.00% above underlying Savings or CD (certificate of deposit) rate |
| Disaster Relief | 6.75% |
| Holiday | 12.00% |
| Summer | 12.00% |
Rates effective as of: February 9, 2026
Credit Card rates
| Credit Card Type | APR* as low as |
|---|---|
| goodRate | 10.95% |
| goodRewards | 15.95% |
Rates effective as of: February 9, 2026
Certificate rates
| Term of Certificate | APY** | Minimum Balance to Open |
|---|---|---|
| Youth CDs from 12 months - 60 months | 4.20% - 4.80% | $100.00 |
| 12 month CD | 4.20% | $500.00 |
| 36 month CD | 4.40% | $500.00 |
| 60 month CD | 4.80% | $500.00 |
Rates effective as of: February 9, 2026
Account rates
| Account Type | APY** | Balance to Earn Annual Percentage Yield |
|---|---|---|
| Regular Savings | 0.25% | $100.00 |
| Special Savings | 0.25% | $100.00 |
| IRA Savings | 0.10% | $100.00 |
| Youth Savings | 0.35% | $100.00 - $2,499.99 |
| 0.25% | > $2,500.00 | |
| Money Market Checking | 1.15% | > $2,500.00 |
| 1.25% | > $15,000.00 | |
| Texas Heritage Checking | 0.00% | $1,500.00 |
*APR= Annual percentage rate. APR is subject to loan term and credit approval. Â
**APY= Annual percentage yield
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| Cell Value | Cell Value | Cell Value |
Rates effective as of: February 9, 2026
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