Rates

For current rates and fees, call Community Resource Credit Union at 281.422.3611 or toll free at 800.238.3228.

Click here for Fees & Charges applicable to your Share (Savings) Accounts, Checking Accounts and IRA Savings Accounts at Community Resource Credit Union.

 

  • Loans
  • Mortgage / Equity
  • Deposits

Auto & Vehicle  Loans 

Calculators Apply Now

Loan Type Repayment Terms Annual Percentage Rate
As Low As

New/Used Autosa
2009  & Newer Models

Fewer than 100,000 miles
Used Auto maximum term is 72 months

36 months
48 months
60 months
72 monthsb
84 monthsc
1.99%
1.99%
2.24%
2.49%b
3.99%c
Older Used Autosa
2003 - 2008 Models
Fewer than 100,000 miles
36 months
48 months
60 months
2.99%
2.99%
3.24%
New RVs, Motorcycles, Boats & ATVsa
2013 - 2015, untitled

New ATV Maximum Term is 72 months
36 months
48 months
60 months
72 monthse
84 monthsd
120 monthsd
144 monthsd
180 monthsd
3.99%
5.49%
5.49%
5.49%e
6.99%d
6.99%d
6.99%d
6.99%d
Used RVs, Motorcycles, Boats & ATVsa

Used ATV Maximum Term is 48 months
36 months
48 months
60 months
72 monthse
84 monthsd
120 monthsd
144 monthsd
4.74%
7.24%
7.24%
7.24%e
7.74%d
7.74%d
7.74%d
aCertain terms, conditions and or discounts apply.  bMinimum finance amount is $15,000.  cMinimum finance amount is $25,000.  dMinimum finance amount is $30,000. eMinimum finance amount is $7,500. The rates listed above include all applicable discounts.

 

New Vehicle Loan Payment Example
Loan Amount $20,000
Interest Rate 2.99%
Term of the Loan 60 months
Monthly Payment $359.28

 

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Personal Loans

Line of Credit & MasterCard

Calculators Apply Now

Loan Type Annual Percentage Rate
As Low As
Personal or Signature Loan 36 months  -  5.49%
48 months - 9.49%
60 months - 10.49%
Qwik Loan Line of Credit/Overdraft 14.00%
MasterCard 7.99%
MasterCard Platinum

7.99%

Download the Terms Summary of Terms.

 

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Secured Loans

Calculators Apply Now

Loan Type Term Annual Percentage Rate
As Low As
Stock Secured - Single Pay, Quarterly Pay 12-60 months 6.50%
Share Secured 12-84 months Rate +3.00%
Certificate Secured Term not to exceed maturity of certificate Rate +3.00%
Other Collateral 36 months
48 months
60 months
7.50%
7.75%
8.00%

LATE CHARGES: If any payment is made more than 14 days after it is due, you may be charged a late charge which shall not exceed 5% of your minimum payment, but not less than $5.00 and not greater than $35.

COLLECTION COST: You promise to pay all cost of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEE: You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on our property. The amount of the filing fee will be disclosed on the voucher.

 

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Home Equity Loans 

Calculators Apply Now

Maximum Term (Years)  Annual Percentage Rate Maximum Loan Amount
5 As low as
3.99%
80% of the value of the property less any mortgages
10 Call for Rates 80% of the value of the property less any mortgages
15 Call for Rates 80% of the value of the property less any mortgages
20 Call for Rates 80% of the value of the property less any mortgages

*Annual Percentage Rate is based on loan amount of $50,000 at3.75% for 5 years.

One of the advantages of Home Equity Loan is that, in most cases, the interest paid on these loans is tax deductible. All loans subject to credit approval.

 

*Please check with your tax advisor for details.
 

Your rate will be fixed. Payment example: If you borrow $50,000 at 3.75%, the APR for 5 years is 3.99%, your monthly payment for 59 months would be $915.20 and one final payment of $914.95. APR= Annual Percentage Rate. Rates based on an evaluation of each memberís credit history, loan-to-value (LTV), loan amount, loan purpose and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances and escrow account for taxes and insurance may be required.
 

VALUE OF HOME X 80% - WHAT YOU OWE ON HOME = WHAT YOU CAN BORROW

 

Home Equity Loan Payment Example
Loan Amount $50,000
Annual Percentage Rate 3.99%
Term of the Loan 5 Years
Monthly Payment $915.20

 

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Home Improvement Loans 

Calculators Apply Now

Maximum Term (Years) Annual Percentage Rate Maximum Loan Amount
5 As low as
6.147%
Second Lien Position
95% of the value of the property less any mortgages
10 Call for Rates 95% of the value of the property less any mortgages
15 Call for Rates 95% of the value of the property less any mortgages

*Annual Percentage Rate is based on loan amount of $50,000 at 6% for 10 years. 

A building contractor must be used to arrange a Home Improvement Loan.


Your rate will be fixed. Payment example: If you borrow $50,000 at 6.00%, with an APR of 6.147% for 10 years in a second lien position, your monthly payment for 119 months would be $555.10 and one final payment of $555.40. APR= Annual Percentage Rate. Rates based on an evaluation of each member's credit history, loan-to-value (LTV), loan amount, loan purpose and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances and escrow account for taxes and insurance may be required.


VALUE OF HOME X 95% - WHAT YOU OWE ON HOME = WHAT YOU CAN BORROW

 

If your home is debt free, use this formula:

VALUE OF HOME X 95% = WHAT YOU CAN BORROW

 

Home Improvement Loan Payment Example

Loan Amount $50,000
Annual Percentage Rate 6.147%
Term of the Loan 10 Years
Monthly Payment $555.10

 

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 Mortgage Loans
 

 

Purchase and refinance mortgage rates change daily. For current rates and more information, call us at 281-420-3746 or toll free at 800.238.3228.

 

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Unimproved Lot Loans

Calculators Apply Now

Maximum Term (Years) Interest Rate Annual Percentage Rate
15 6.875% 5 Year ARM As low as 9.915%*
Construction Loan 12 Months 7.000%  (Interest only) As low as 8.872%**

*Annual Percentage Rate is based on loan amount of $50,000 at 6.875% on a 5 year adjustable rate with a 15 year amortization.
**Annual Percentage Rate is based on loan amount of $100,000.

 

Unimproved Lot Loan Payment Example
Loan Amount $50,000
Annual Percentage Rate 6.875%
Term of the Loan 15 Years
Monthly Payment $445.93
First Adjustable Cap 2.000%
First Change 60 Months
Adjust Period 12 Months
Life Cap 12.875%
Rounding 0.125%

 

Unimproved Lot Loan Payment Summary

Term Interest Rate Monthly Payment
60 6.875% $445.93
12 8.875% $486.62
12 10.875% $525.61
12 12.875% $562.45
12 14.875% $596.67
12 16.875% $627.79
12 18.875% $655.30
47 19.750% $665.48
1 19.750% $664.91

 

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Savings & Shares

TRUTH-IN-SAVINGS RATE SCHEDULE

 Calculators Apply Now
Account Interest Rate Annual Percentage Yield Minimum Balance Requirements
Share (Savings) 0.10% 0.10% $5 to open
$100 average daily to obtain disclosed APY
Money Market Savings*     $5,000 to open
$5,000 average daily to avoid $10 monthly service charge
$0-$4,999.99 0.05% 0.05%  
$5,000-$14,999.99 0.10% 0.10%  
$15,000-24,999.99 0.20% 0.20%  
$25,000 + 0.30% 0.30%  
Christmas Club Savings 0.10% 0.10% No minimum to open
$100 average daily to obtain disclosed APY
Free Checking- Non Interest Bearing N/A N/A  
Reward Checking N/A     N/A Click Here for Reward Checking Rates
Interest Checking
$700-$4,999.99 0.05% 0.05%  
$5,000-$14,999.99 0.05% 0.05%  
$15,000+ 0.10% 0.10%  
Senior Checking
$700-$4,999.99 0.05% 0.05%  
$5,000-$14,999.99 0.05% 0.05%  
$15,000+ 0.10% 0.10%  
Rates subject to change without notice.
* Fees could reduce earnings.
Minimum balance required to earn the advertised annual percentage yield.

 

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Certificates of Deposit

TRUTH-IN-SAVINGS RATE SCHEDULE

 Calculators Apply Now
Certificate of Deposit Interest Rate Annual Percentage Yield Minimum Balance Requirements
3 month .15% .15% $1,000 to open
$1,000 to obtain disclosed APY
6 month .30% .30% $1,000 to open
$1,000 to obtain disclosed APY
12 month .40% .40% $1,000 to open
$1,000 to obtain disclosed APY
18 month .50% .50% $1,000 to open
$1,000 to obtain disclosed APY
24 month .65% .65% $1,000 to open
$1,000 to obtain disclosed APY
36 month .75% .75% $1,000 to open
$1,000 to obtain disclosed APY

48 month

.99%

1.00%

$1,000 to open

$1,000 to obtain disclosed APY

60 month 1.98% 2.00% $1,000 to open
$1,000 to obtain disclosed APY
6 month Jumbo .40% .40% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo .65% .65% $90,000 to open
$90,000 to obtain disclosed APY
3 month Roth IRA .15% .15% $1,000 to open
$1,000 to obtain disclosed APY
6 month Roth IRA .30% .30% $1,000 to open
$1,000 to obtain disclosed APY
12 month Roth IRA .40% .40% $1,000 to open
$1,000 to obtain disclosed APY
18 month Roth IRA .50% .50% $1,000 to open
$1,000 to obtain disclosed APY
24 month Roth IRA .75% .75% $1,000 to open
$1,000 to obtain disclosed APY
36 month Roth IRA .75% .75% $1,000 to open
$1,000 to obtain disclosed APY
60 month Roth IRA 1.98% 2.00% $1,000 to open
$1,000 to obtain disclosed APY
6 month Jumbo IRA .40% .40% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo IRA .65% .65% $90,000 to open
$90,000 to obtain disclosed APY
A penalty will be imposed for early withdrawal.
Rates subject to change without notice.
Minimum balance required to earn the advertised annual percentage yield.

 

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IRA Savings Accounts

TRUTH-IN-SAVINGS RATE SCHEDULE

 Calculators Apply Now
Account Interest Rate Annual Percentage Yield Minimum Balance Requirements
IRA Savings .50% .50% $100 to open
$100 average daily to obtain disclosed APY
Roth IRA Savings .50% .50% $100 to open
$100 average daily to obtain disclosed APY
Coverdell IRA Savings .50% .50% $100 to open
$100 average daily to obtain disclosed APY
Rates subject to change without notice.
* Fees could reduce earnings.
Minimum balance required to earn the advertised annual percentage yield.

 

Annual Percentage Yields posted are accurate as of September 12, 2013.

 

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