Put big savings back in your pocket with a Texans Credit Union auto loan. Enjoy competitive rates as low as 5.59% APR,*  convenient closing options, and options to protect your loan. With our easy application and quick approval process, you could drive away in your new vehicle today!

Already purchased your vehicle?  Get out of that higher interest loan and start saving by refinancing your vehicle with Texans Credit Union.  We'll help you stay in the car you love with a monthly payment that you can afford. 

Membership required. Loans are subject to credit approval.

* Annual Percentage Rate (APR). Rates are current as of 11/23/2022 and reflect rates available on auto loans only. Rates and terms are subject to change without notice. Rates shown require a maximum loan-to-value of 100% for a 0.25% discount. Certified Pre-Owned (CPO) purchases may be eligible for an additional 0.25% rate discount on extended terms with proof of Manufacturer's certification. New vehicles are not eligible for the CPO rate discount. Rates, terms and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors. Some restrictions may apply. Additional financing options are available. Maximum vehicle mileage of 100,000. For loans with mileage over 100,000, add additional 0.50% to rate. For vehicles 2016 and older, add 1.00% rate increase.  

Financing is not available for commercial-use vehicles, salvaged or branded title vehicles.

Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $582.44 over a 48-month loan at 5.59% APR.

Credit Cards

Great Rate or Cash Back:  The Choice is Yours.

Texans are versatile, which is why we offer two credit card options to fit your needs.

• Rate Advantage VISA with rates as low as 8.99% APR*
• Cash Rewards VISA with rates as low as 9.99% APR*

Both of our cards offer advantages such as:

• No Annual Fee
• No Balance Transfer Fee
• No Cash Advance Fee
• Card Protection

*Annual Percentage Rate (APR).  Membership required. Loans subject to credit approval. Rates current as of 9/12/2022.  Rates, terms and conditions are determined by the overall creditworthiness of each applicant and are subject to change at any time without notice.

Personal Line of Credit

Access your revolving line of credit when you need it, with affordable monthly payments based on your outstanding balance.  Plus, you can make advances on your line up to your approved limit via online banking or our mobile app.

• Variable rate (APR may vary)
• Can be used for overdraft protection on your Texans Checking Account
  

Annual Percentage Rate (APR). Membership required. Loans are subject to credit approval. Rates, terms and conditions are determined by the overall creditworthiness of each applicant and are subject to change at any time without notice.

Personal Loan

Get the money you need now.  Quick, affordable, and flexible, a Texans Personal Loan is the perfect solution for those expenses that just can't wait.

With rates as low as 8.74% APR*, Personal Loans can be used for

• Debt consolidation
• Medical expenses
• Unexpected expenses
• and more!

Membership required. Loans are subject to credit approval.

*Annual Percentage Rate (APR) current as of 11/4/2022.  Rate may vary depending on each individual's credit worthiness.  Program, rates, terms and conditions are subject to change without notice. Minimum loan amount is $500. 

Payment example: 8.74% APR for 36 months is $15.84 per $500 borrowed.

Home Equity Line of Credit

Texans are innovative, and our Home Equity Lines of Credit are too. With no restrictions on what you use your funds for, you get money when you need it, and at a competitive, variable rate.  Other benefits include:

• Borrow up to 80% of home's fair market value*
• Disburse conveniently as needed during five-year draw period**
• Withdraw as little as $4,000 at a time
• Can be repaid over a 15-year period
• Variable APR as low as 9.00%***

Membership required. Loans are subject to credit approval.

*Less the balances of outstanding liens.

**During the draw period, your minimum monthly payment will equal the finance charges(interest) that have accrued on the outstanding balance during the preceding month, together with all past due amounts, late charges, and other fees imposed to the extent allowable by applicable law. If the interest rate increases, you will have to make a higher payment. Paying the minimum monthly payment will not reduce the principal balance that is outstanding on your line of credit.

***Approved APR (Annual Percentage Rate) at time of loan application subject to increase or decrease. Lowest rates currently available as of 10/01/2023 Annual Percentage Rate (APR) based on the Prime Rate published in the Wall Street Journal, plus a margin. Prime is a variable rate; as it changes, the APR on your account will also change. Member may pay certain 3rd party fees to open your line of credit. These fees typically do not exceed $2,000.00. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. The maximum APR will never be greater than 18%. Automatic payments are not available for home equity line of credit loans. 

Home Improvement Loan

Texans are doers, and with our Home Improvement Loans, we're making it easier than ever to make improvements to your home by a licensed contractor.

• Low, fixed rates
• Borrow up to 95% of home's fair market value*
• Disbursed in a lump sum
• Minimum loan amount of $10,000 and maximum loan amount of $100,000
• Terms up to 20 years

*Membership required. Loans subject to credit approval. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant and are subject to change at any time without notice.

Texans Credit Union NMLS #530654

Texans are all about freedom with our Lot Loan.  Benefits of a Lot Loan with Texans include:

• Balloon loan 5 year fixed rate with up to 20 years amortizing
• Borrow up to 80% of Lot Value
• Disbursed in a lump Sum

Membership required. Loans subject to credit approval.  Lot loans are limited to 80% of value. Texans mortgage lending is restricted to property in Texas; residential use only; max 10 acres; cannot have existing structures; must have road access and utilities.  Additional restrictions and requirements may apply.

Texans Credit Union NMLS #530654

Texans are all about freedom with our Lot Loan.  Benefits of a Lot Loan with Texans include:

• 5 year fixed rate and Fixed Payment amount
• Borrow up to 80% of Lot Value
• Disbursed in a lump Sum

Membership required. Loans subject to credit approval.  Lot loans are limited to 80% of value. Texans mortgage lending is restricted to property in Texas; residential use only; max 10 acres; cannot have existing structures; must have road access and utilities.  Additional restrictions and requirements may apply.

Texans Credit Union NMLS #530654

Motorcycle and ATV Loans

Texans have a taste for adventure which is why we offer motorcycle, ATV, UTV and personal watercraft loan options.  Motorcycle and ATV loans include: 

• New purchase and refinancing available
• Rates as low as 7.14% APR¹
• Finance up to 120% of the vehicle's value 

Boat and RV Loans

Texans have a taste for adventure which is why we offer RV, boat and travel trailer loan options.  RV and Boat loans include:

• New purchase and refinancing available
• Rates as low as 7.99% APR²
• Finance up to 120% of the vehicle's value

Membership required. Loans are subject to credit approval.

¹ Annual Percentage Rate (APR). Rates current as of 11/4/2022 and reflect lowest rate currently available for up to 36 months on Motorcycle and ATV loans only. Additional financing options are available. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant, the collateral financed and are subject to change without notice. Minimum loan amount is $5,000. Maximum age of vehicle is 10 years for lowest rate. Vehicles older than 10 years add 1.00% to the rate. Financing up to 120% of the invoice/trade-in value of the vehicle is available. Certain restrictions apply.

Payment Example: Based on a $20,000 Motorcycle loan amount, the minimum monthly payment is $618.82 over a 36-month loan at 7.14% APR.

² Annual Percentage Rate (APR). Rates current as of 3/18/2024 and reflect lowest rate currently available for up to 60 months on RV and Boat loans only. Additional financing options are available. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant, the collateral financed and are subject to change without notice.  Minimum loan amount is $5,000. Maximum age of vehicle is 10 years for lowest rate. Vehicles older than 10 years add 1.00% to the rate. Financing up to 120% of the invoice/trade-in value of the vehicle is available. Certain restrictions apply.

Payment Example: Based on a $20,000 RV loan amount, the minimum monthly payment is $405.43 over a 60-month loan at 7.99% APR.